HIF health insurance

Is it a good health insurer?

HIF has 5 hospital and 8 extras policies in our comparison, from $95.00 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Health Insurance Fund of Australia Limited. Hospital, extras or both.

Explore 5 hospital and 8 extras products, or find cover by treatment. Sources for HIF

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 26 October 2026 · Prices effective 17 September 2026

I need cover for…

HIF cover: the main choices.

If you claim psychology every year

Top Extras has a $700 psychology limit. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

For dental surgery

Basic Plus Hospital does not fully cover dental surgery. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

Before you pay for Bronze

Bronze Hospital adds bone, joint and muscle treatment and other categories compared with Basic Plus Hospital. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

HIF policies and example prices.

The profile you choose updates the HIF price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need an HIF price for your circumstances? Compare HIF with cover across all Australian health funds.

Compare my options

Hospital cover

5 product lines

HIF hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic Plus	Basic Plus HospitalBasic Plus Hospital	$95.00/month	Policy details: Basic Plus Hospital
Bronze	Bronze HospitalBronze Hospital	$113.44/month	Policy details: Bronze Hospital
Bronze Plus	Bronze Plus HospitalBronze Plus Hospital	$117.35/month	Policy details: Bronze Plus Hospital
Silver Plus	Silver HospitalSilver Hospital	$150.02/month	Policy details: Silver Hospital
Silver Plus	Silver Plus HospitalSilver Plus Hospital	$201.01/month	Policy details: Silver Plus Hospital

$50.99 more per month for Silver Plus Hospital versus Silver Hospital after rebate for the selected example profile.

Cataracts is an additional inclusion, not the complete list of differences.

Extras cover

8 product lines

HIF extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Basic ExtrasBasic Extras	$27.58/month	Policy details: Basic Extras
Value ExtrasValue Extras	$36.23/month	Policy details: Value Extras
Simple ExtrasSimple Extras	$45.87/month	Policy details: Simple Extras
Special OptionsSpecial Options	$55.62/month	Policy details: Special Options
Essential ExtrasEssential Extras	$56.08/month	Policy details: Essential Extras
Advanced ExtrasAdvanced Extras	$79.68/month	Policy details: Advanced Extras
Super OptionsSuper Options	$86.73/month	Policy details: Super Options
Top ExtrasTop Extras	$114.35/month	Policy details: Top Extras

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show HIF Silver Hospital comparisons. All policy links remain available.

All HIF policy pages

What does HIF hospital insurance cover?

Choose a treatment

1 HIF hospital policy fully covers cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus HospitalSilver Plus Hospital	$201.01/month	Check policy details: Silver Plus Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 5 hospital policies

Selected HIF treatment categories.

Treatment	Basic Plus HospitalBasic Plus	Bronze HospitalBronze	Bronze Plus HospitalBronze Plus	Silver HospitalSilver Plus	Silver Plus HospitalSilver Plus
Cataracts	Not included	Not included	Not included	Not included	Included
Joint replacements	Not included	Not included	Not included	Not included	Included
Heart and vascular system	Not included	Not included	Not included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted	Restricted
Implantation of hearing devices	Not included	Not included	Included	Included	Included
Dental surgery	Not included	Not included	Included	Included	Included
Bone, joint and muscle	Not included	Included	Included	Included	Included
Brain and nervous system	Not included	Included	Included	Included	Included
Breast surgery (medically necessary)	Not included	Included	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Not included	Included	Included	Included	Included
Diabetes management (excluding insulin pumps)	Not included	Included	Included	Included	Included
Digestive system	Not included	Included	Included	Included	Included
Ear, nose and throat	Not included	Included	Included	Included	Included
Eye (not cataracts)	Not included	Included	Included	Included	Included
Gastrointestinal endoscopy	Not included	Included	Included	Included	Included
Gynaecology	Not included	Included	Included	Included	Included
Kidney and bladder	Not included	Included	Included	Included	Included
Male reproductive system	Not included	Included	Included	Included	Included
Miscarriage and termination of pregnancy	Not included	Included	Included	Included	Included
Pain management	Not included	Included	Included	Included	Included
Skin	Not included	Included	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

HIF extras limits per 12 months unless the statement says otherwise

Selected benefit	Basic Extras	Value Extras	Essential Extras	Advanced Extras	Super Options	Top Extras
Optical / physio benefit examples	Optical: 100% of eligible charge. Physio: 50% of eligible charge	Optical: 100% of eligible charge. Physio: $30.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $35.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $45.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $40.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $50.00 set benefit for an initial visit
Optical limit	$150.00	$150.00	$200.00	$275.00	$260.00	$300.00
Physiotherapy limit	$300.00Shared with chiropractic, osteopathy & other services	$350.00Shared with non-PBS medicines, chiropractic, podiatry, exercise physiology, osteopathy & other services	$400.00Shared with chiropractic, podiatry, dietetics, exercise physiology, osteopathy & other services	$500.00Shared with exercise physiology & other services	$900.00sub-limits apply. Shared with orthoptics, occupational therapy & speech therapy	$750.00Shared with exercise physiology & other services
Major dental + endodontic limit	Not included	Not included	$1,250.00Shared with general dental & orthodontic	$1,000.00	$1,300.00sub-limits apply. Shared with general dental, orthodontic & other services	$1,500.00
Psychology included?	No	No	No	Yes	Yes	Yes
Optical waiting period	2 months	2 months	2 months	2 months	2 months	2 months
Source statement	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Basic Extras → Value Extras

Both single-policy examples have a $150 optical limit. But Value Extras raises the shared physio limit from $300 to $350.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.

Top Extras: higher benefit examples

The optical examples stay at 100%, with a $300 optical limit and $750 shared physio limit for the Single-policy example.Compare these benefits with the premium.

Why HIF's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 2 months.

How shared limits work

HIF vs. Australian Unity vs. Westfund

How HIF compares with similar hospital policies.

These are selected Silver Plus examples from Australian Unity and Westfund, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing HIF Silver Hospital with Australian Unity Midpoint Hospital (Silver Plus) and Westfund Silver Plus Everyday Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

HIF and selected alternatives: monthly prices and verified coverage differences.

Compare	HIFSilver HospitalReference policy	Australian Unity Midpoint Hospital (Silver Plus)$2.88 more a month than HIF	Westfund Silver Plus Everyday Hospital$3.23 less a month than HIF
Monthly premium after rebate	$150.02/month	$152.90/month	$146.79/month (lowest price in this row)
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Heart and vascular system	Included	Included	Included
Policy details	View HIF Silver Hospital	View Australian Unity Midpoint Hospital (Silver Plus)	View Westfund Silver Plus Everyday Hospital

Price assumptions

What the differences mean for you

All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.

These alternatives match HIF Silver Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

HIF and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	HIFSilver Hospital	Australian Unity Midpoint Hospital (Silver Plus)	Westfund Silver Plus Everyday Hospital
Rehabilitation	Included	Included	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare HIF with cover from every Australian health fund.

Compare all funds

HIF against the industry.

HIF members had no gap on 88% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
HIF paid 44.4% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
HIF increased premiums by an average of 2.60% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

3.1 / 5

149 Google reviews

Voluntary customer reviews · HIF Health Insurance

Snapshot: 26 October 2026. This is the Google listing for HIF Health Insurance, not a rating of HIF as a whole or a representative survey.

Read HIF Health Insurance reviews at the source

Complaint share is close to market share

Share of all complaints, 2024-250.4%

Market share, 30 June 20250.6%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

HIF's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0%.

Latest quarter, January to March 2026. The Ombudsman referred 3 complaints about Health Insurance Fund of Australia Limited to it to resolve, 0.5% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

1.6 / 5

38 App Store ratings

HIF App · Health Insurance Fund of Australia Limited (HIF)

Snapshot: 22 October 2026. HIF App is HIF's own app. This rates the app on the Australian App Store, not HIF's cover or claims. This small sample may not reflect the experience of most members.

See HIF App on the App Store

Google Play

2.2 / 5

113 Google Play reviews

HIF App · HIF Mobile App

Snapshot: 22 October 2026. HIF App is HIF's own app. This rates the app on Google Play, not HIF's cover or claims.

See HIF App on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that HIF recognises your provider. Ask for a treatment plan and item numbers so HIF can estimate your benefits and out-of-pocket costs.
HIF provider search
Make or track a claim
Use HIF's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact HIF

For general enquiries, call 1300 134 060. Monday to Friday: 9am to 8pm in the ACT, NSW, Tasmania and Victoria; 8.30am to 7.30pm in SA; 8am to 7pm in Queensland; 7.30am to 6.30pm in the NT; 6am to 5pm in WA.Contact details checked 22 October 2026.Official contact details and messaging options

Before you choose HIF.

Who owns HIF?

HIF is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 22 October 2026.

What is the cheapest HIF hospital policy?

Basic Plus Hospital is the cheapest HIF hospital policy for a single person in NSW with a $500 hospital excess, at $95.00 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 5 HIF hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Plus Hospital to Silver Hospital?

HIF Silver Hospital adds full cover for heart and vascular system, plastic and reconstructive surgery (medically necessary) and 4 more categories compared with Bronze Plus Hospital. For the Single / NSW / $500 excess example it costs $32.67 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for HIF.

Policy information retrieved 26 October 2026. Prices effective 17 September 2026.

Private Health Information Statements · HIF · checked 26 October 2026
State of the Health Funds Report 2024-25 · HIF · checked 26 October 2026
Government insurer profile · HIF · checked 22 October 2026
Government premium-increase figures · HIF · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for HIF Health Insurance · HIF · checked 26 October 2026
App Store listing for HIF App · Health Insurance Fund of Australia Limited (HIF) · checked 22 October 2026
Google Play listing for HIF App · HIF Mobile App · checked 22 October 2026
Official contact details · HIF · checked 22 October 2026

How we compare health insurers

Compare HIF policies Sources for HIF Back to top

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