What If

you could claim on your Extras straight away?


we gave you 6 weeks' FREE cover + no 2-month waits on Extras?

Take out Hospital & Extras by 31 March and enter promo code  6W2M  at checkout to claim this offer.

Join or Switch Today

*Offer valid until 31 March 2023. Terms and Conditions apply.

We covered the cost of consultations at St John Urgent Care centers?

Receive urgent care without the need to visit an emergency department.

April Fools!

At HIF, we're always asking "What if?" Yes, Quokka Cover is not a real product, nor is it available for purchase. But we've had fun asking "What if?"

Don't worry, we have plenty of great Hospital and Extras cover options (for humans). To get a quote, click below and enjoy the freedom to choose.

Join or Switch Today


Choose a cover that meets your needs

Tell us a little about yourself and get an instant quote in two to three minutes

What is your current residency status?
Where do you currently live?
Who do you need the cover for?
Get Started

Important Policy Information

We know our 'Health Cover Guides' and 'Product Factsheets' won't top your 'best reads' list this year, but it's important to familiarise yourself with them at least once a year. That way, you can always ensure you're up to date on what's covered by your health insurance policy. There's also heaps of other handy info in there to refer to when you need it.

HIF Health Cover Guides

HIF Health Cover Guides

It's important to familiarise yourself with the Health Cover Guides at least once a year.
HIF Product Factsheets

HIF Product Factsheets

Need a policy factsheet? No worries. We've got everything you need right here.

Switch to HIF in 3 easy steps.

  1. Choose a cover that suits your needs
  2. Join HIF online or over the phone and we'll complete the paperwork for you
  3. Enjoy the member benefits right away. 

Get an instant quote and switch today

Manage your Membership

Login to our Online Member Centre 24/7 to access a range of self-service options

Make the most of your cover!

Discover how to make the most of your membership.

Bowel Cancer Awareness

Enjoy Member Rewards Program

Earn $70 each time you send a new member our way.
HIF Extends Best Doctors to Include Mental Health

Connect with your pet

We've created a host of articles with tips, tricks, advice and more to help you.
HIF and HealthShare Partner Up to Enhance Member Experience

Expert mental health advice

Access a network of leading Australian-based experts.
Not for profit and member focused Our priority is to look after the health and wellbeing of our members, not to maximise profits. 
Freedom to choose your Extras provider You have total freedom to choose your own registered dentist, optician, physio and other Extras providers.
Australia's first certified carbon neutral fund As well as looking after our members' health, we also do our part for the community and planet
Alternative healthcare options Access alternative health care options through our exclusive partnerships

Explore the HIF Health Hub

The latest health & wellbeing advice from our team of experts.

Flu Vaccine and COVID-19 Vaccine - Do You Need Both?

Top Tips on What to Eat to Stay Healthy Over Winter

Do Weighted Blankets Help You Sleep? The Science and Benefits

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What others are saying


"I submitted a review 6 years ago and I wanted to update this with experience-based feedback. Over the course of this time, I transitioned from Overseas Visitors Health Cover to a Domestic Plan as I got my Permanent Residency and in either plan, HIF provided the cover I needed, and successfully helped with the different procedures I went under over the years without any complaint whatsoever. I understand that dealing with insurance providers can be complicated, but I personally find doing all the necessary reading and understanding your cover is key to be satisfied with the service they offer. HIF has always made it pretty easy to keep that information easy to find and up to date. I decided to write this review as I just finished a call with a representative, who was immensely helpful at dealing with my queries, always making sure I got the best bang for buck while also offering some practical tips to ensure I never overpay where possible. Honestly, this is the kind of service expect from all providers and I can't recommend HIF enough for that"



"I highly recommend HIF. I have had nothing but wonderful service from you and on the occasions I have needed to contact your fund, your staff have been a pleasure to deal with. Thank you."



"I would just like to say thank you, HIF for taking care of me, my medical, dental, etc. issues over the past 20 Years. Your support has been great. The health cover provided by HIF has always met my needs. Thank you again."


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HIF is proud to partner with Valion Health


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