Award Winning Health Insurance From the Health Insurance Fund of Australia (HIF)

hif.com.au/claim

you could claim on your Extras straight away?

Join or switch now

*Terms and conditions apply.

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.

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

Join or Switch
Already an HIF Member?

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?

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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

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

Download

HIF Product Factsheets

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

Download

Why switch?
How to switch?

We'll take care of all the paperwork for you and we'll even take your previous membership into account when you become an HIF member. That means, if you're switching to us on an equivalent (or lower) level of cover, you won't have to re-serve any waiting periods already served with your previous fund. All we need are your details and we can arrange a seamless transfer, pronto.

Get an instant quote and switch today

Switch to HIF in 3 easy steps.

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

Get an instant quote and switch today

Manage your Membership

Make the most of your cover!

Discover how to make the most of your membership.

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.

What if...we took the hassle out of tax time?

As Australia's first certified carbon neutral health fund, we are committed to reducing our carbon footprint. It’s why each tax time we save on paper and send your tax statement information direct to the Australian Taxation Office. Your HIF tax statement will be automatically available in the ATO myGov portal from 20 July 2022.

Find out more

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

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"

Ant

"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."

Sandra

"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."

Patricia

HIF is proud to partner with Valion Health

Supporting HIF members with cancer

We're delighted to partner with Valion Health's Cancer Support Complete Program. Its aim is to improve the quality of life for HIF members who have had a cancer diagnosis.

Learn More