Your Exclusive Rewards Program.

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!) 

Claiming your reward is as easy as 1-2-3...

  1. Spread the word about our great value health insurance policies
  2. Share the link to our website so your friends can get an instant quote:
  3. Ask your friends to mention your name and member number when they join

Your reward card will land in your mailbox 4-6 weeks after your friend joins HIF. Easy!

Plus, there’s no limit on how many rewards you can earn, so every referral that results in a new policy means another gift for you. How good is that?

Reward Terms and Conditions Apply

A Member Reward is only payable once the first payment for the new HIF membership is received and the membership is active.
Referring and referred Members must be on a current financial HIF membership.  
Referred Members must be one of the following for you to be eligible to claim a Member Reward:
  1. Joining HIF for the first time and have served their 30 day cooling off period.
  2. Single Members who upgrade their HIF policy to include their partner/spouse.
  3. An ex-Member who terminated the membership more than 12 months ago from the new date of joining.
Rewards are not payable for referred overseas visitor policies of 3 months or less. 
An HIF eftpos reward card is valid to the date specified on the reward card.
Rewards are available to Members over the age of 18. 
Employees of HIF and HIF’s Alliance Partners are not eligible for a Reward. 
HIF shall not be liable for any loss, damage or personal injury suffered or sustained whatsoever by any person as
a result of the Member Reward except in respect of any liability which by law cannot be excluded. 
The Member Reward is not redeemable for cash or transferable. 
HIF reserves the right to change the Member Reward suppliers or reward itself without prior notice or advice.
A lost or stolen Member Reward will not be replaced by HIF as the reward card becomes the Member’s responsibility after being dispatched by HIF. 
The reward card is not backdated. Referring Members must be detailed on the New Member Application form in order to be deemed as the Referrer. 
Only one Member Reward is redeemable per referred Member. 
The HIF eftpos gift card is redeemable at any retail outlet that facilitates eftpos, once activated. 

For full Terms and Conditions on using the HIF eftpos gift card, visit or call Rewards Come True Card Services on 1800 446 347. 
Member Rewards are not available for new memberships which will receive any other form of HIF discount or offer or when the Member joins through a third party channel.