Manage your membership at a time that suits you.

Our online Member Centre gives you access a range of services designed to help you manage your membership with the click of a mouse. Available online 24/7, it allows you to update your personal details, view your claims history, make a payment, update your payment details, add a new member, download tax statements, and much much more.

Member benefits.

In addition to our focus on Member experience (not to mention the fact that 92 cents in every dollar we receive goes straight back out in claims!), we aim to reward Member loyalty through these five popular initiatives:

1. Member rewards program - earn $70 each time you send a new Member our way!
A lot of our new memberships result from word of mouth referrals – happy Members tell their friends about HIF and in turn, they become new happy Members. And because we value member referrals, we'll send you a $70 eftpos card every time you successfully refer a friend (and there's no limit to how many you can earn!) Check out the Member Rewards page to find out more.

2. Exclusive Member competitions.
We regularly run competitions for our Members, so bookmark our competitions page and check back every month to see what's new. To check out previous prives and giveaways, explore our competition winners page too.

3. Claim a little Extra over time.
Members with Extras cover are rewarded with incrementally higher benefits and annual limits for the first 5 years of Membership. Benefits for chiro, osteo, and complementary therapies all increase after 3 years, while benefits for optical, physio, speech therapy, occupational therapy and hearing aids all increase after 5 years. Our dental benefits and annual limits also increase every year for the first five years of membership.  

4. Got top Hospital or Extras cover? Get a FREE Second Opinion on any diagnosis or treatment plan.
HIF Second Opinion is a free service for HIF members with GoldStar Hospital or Premium Options Extras cover.  It gives you access to the Best Doctors' network of the world's leading medical specialists, enabling you to get a free second opinion on any diagnosis, condition or treatment. Plus, eligible HIF Members get free access to the Best Doctors' online medical advice portal and their new Mental Health Navigator program, giving you the opportunity to submit questions to a panel of experienced Australian GPs, access expert insights and use their online symptom checker.

5. Want to join Hif on the couch?
If you'd like to feature in one of our future Member Testimonial videos with our lovable mascot, Hif, complete the form here to tell us about your journey with HIF to-date.

6. Quarterly Member newsletter.
Every quarter, HIF Members receive a copy of our SmartHealth newsletter, packed full of competitions, recipes, helpful articles and health tips.  You can also choose whether you'd like to receive your newsletter by post or email. 

7. Great value pet & travel insurance.
HIF Members can access great rates on our pet insurance and travel insurance options, meaning you can insure the health of your family (and fur-kids!) at home and away. 

Top 10 commonly asked questions.

Got a query about your membership? Check out the latest Member Q&As below to see if the answer you need is right here (and if it's not, we’re only a phone call or email away).

View all membership Q&A's in our online knowledge base