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In early September 2018, the Government passed an amendment, to the private health insurance legislation. With the goal to make health cover simpler and more affordable for Australians. The changes as a result of this amendment were rolled out on 1 April 2019. So what are some of the major health reform changes and how might they affect you?

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In early September 2018, the Government passed an amendment, to the private health insurance legislation. With the goal to make health cover simpler and more affordable for Australians. The changes as a result of this amendment were rolled out on 1 April 2019. So what are some of the major health reform changes and how might they affect you?

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Yes, absolutely! In fact, we strongly recommend that you do, particularly before committing to any hospital, medical or dental treatment or procedure. To request a benefit estimate in advance, please ask your doctor, specialist or dentist to provide you with a list of the items you'll be billed for (including fees for each item), then complete either our medical or dental estimate online form.

If you've recently become an Australian permanent resident, congratulations! You're now eligible for full Medicare benefits (so you may want to change your overseas policy to a domestic policy). Please note though, that you must take out a domestic policy within 12 months of your permanent residency being granted in order to avoid Lifetime Health Cover Loading (LHC). To find out more, visit “Does the Medicare Levy Surcharge affect Overseas Visitors?".  

Absolutely! Our members mean everything to us (after all the more members we have, the better value we can offer everyone) and the more people we can help to lead healthier lives. That’s why we have a member referral program in place, whereby if you refer someone to HIF and they mention your name at the time of joining, you’ll also receive a $70 eftpos card. There’s also no limit to how many rewards you can earn, so every referral that results in a new policy means another $70 eftpos card for you. Visit our Exclusive Member Rewards page to find out more. 

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Yes. We cover all types of couples and families, and we were the first private health fund to add its corporate voice to the Australian Marriage Equality campaign. If you'd like to chat to one of our consultants about joining HIF, or you'd like to add your partner to your existing policy, please send us an email or call 1300 134 060.

Member Review: “I needed to call up HIF and add my partner to my membership. I doubt that someone in a heterosexual relationship has ever thought twice about something so simple, but it can still be a big deal for some organisations to do this. In turn this simple task turns into something where, when you are in a same-sex relationship, you need to take a deep breath and brace for what might come on the other end of the phone. With HIF it was the easiest and most non-event that I have ever experienced. Exactly like it should be. It is great that more and more organisations are choosing from their own free will to be on the right side of history despite what may happen to their customer base.” - D Caines from NSW

Ready to join HIF? Applying for cover is easy! If you'd like to join online now, the application process takes approximately 5-10 minutes and we'll do all the associated paperwork for you, including applying for the Australian Federal Government Rebate on Private Health Insurance on your behalf. If you're switching to HIF from another health fund, we can also contact your old fund on your behalf and request that your policy is cancelled from the date you choose to commence cover with HIF.

It's great to hear you're planning to switch to HIF! To authorise us to arrange the transfer on your behalf, simply:

  1. check the box during the online application process
  2. enter the name of your previous health fund
  3. enter the membership number on your old policy

Alternatively, if you're joining over the phone, you can instruct your Sales Consultant to complete the authorisation details for you. Once we have your authorisation, we'll then contact your previous fund and request that they send us what's known as a 'Clearance Certificate'.

The certificate provides HIF with all the details we need in order to finalise your new policy with us, including any waiting periods that may still be outstanding, plus any Lifetime Health Cover loading that may apply. Please note that Australian health funds have up to 14 days to issue Clearance Certificates, so if you would like your old fund to issue your certificate as a matter of urgency, please let us know and we can escalate it as a priority request. Alternatively, you can contact your previous fund yourself and submit a direct request for a certificate to be sent to HIF.

Important, please note: If your partner is switching to HIF and would like us to cancel their policy with their previous health fund too, they must provide authorisation. To do this simply ensure they have checked the partner authorisation box during the online application process and enter the name of their previous health fund and membership number of their old policy.

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In early September 2018, the Government passed an amendment, to the private health insurance legislation. With the goal to make health cover simpler and more affordable for Australians. The changes as a result of this amendment were rolled out on 1 April 2019. So what are some of the major health reform changes and how might they affect you?

View all 16

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