Members who understand their health cover usually get the most value for money.
So, let’s talk about how your personal circumstances can change the cost of your health cover!
Are you paying unnecessary Lifetime Health Cover loading?
Under the Federal Government’s Lifetime Health Cover (LHC) loading legislation, Australians who join hospital cover later in life will pay an additional 2% LHC loading on top of their Hospital premium for each year they were over 30 years old and did not have Hospital cover.
If you held Hospital cover with a previous fund or an exception listed on the private health government website applies to you, then you will need to provide specific documents to confirm your LHC status. Without valid documents confirming your LHC status, we’re obligated to apply full loading to your membership. So, it really does pay to check if your LHC details are correct!
Use our online LHC calculator and learn more about confirming your LHC details.
Have you claimed for a reduced premium?
The Australian Government Rebate (AGR) on Private Health Insurance was introduced to help Australians meet their health cover costs.
If you currently hold a Medicare card, then you can claim your rebate entitlement as either a reduction in your private health insurance premiums, or as a tax refund at the end of the financial year.
Check the rebate you’re eligible to claim and learn more about how to claim a reduced premium in our guide to the Australian Government rebate on private health insurance.
Are you a Perth Wildcats member?
We love to give back to our Red Army family the best way we know how! Learn how Perth Wildcats members can score a 12% discount on health cover on the Perth Wildcats Corporate landing page.
Does your employer or association have an arrangement with HIF?
Members on an existing corporate health plan can apply for payroll deductions using Payroll Super Deduction form, or a corporate direct debit discount using the Corporate Direct Debit Discount form.
If you're a member of an association such as the Australian Nursing Federation (ANF) or the Australian Dental Association (ADA), you can use our Association Direct Debit Discount Request form to apply for the association member direct debit discount.
To find out if your employer or association has an arrangement with HIF, please call us on 1300 13 40 60 or email corporate.sales@hif.com.au
Have you moved to a new state?
Hospital and medical costs vary from state to state, so your premiums are adjusted to reflect the charges in your state.
If you’ve moved to a new state, let us know as soon as possible to ensure a smooth transition.
You can find convenient ways to confirm your membership details on the Online Member Centre.
Time to give your health cover a health check?
You can review and update your policy at any time within our Online Member Centre.
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