What if
your health insurer had the lowest premium increase of all health funds?*

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*T&Cs apply.

 

 

 

 

Then you’d be with HIF!

We are really proud to be leading the industry with the lowest average rate projected increase of all Private Health Funds across Australia at 1.91%.

In making this decision, HIF was conscious that many of our members have been feeling the impact of the current cost of living crisis. As a Not-For-Profit health fund, we did all we could to keep the increase as low as possible.

HIF members will receive the details of the rates relating to their specific policy from 10 March with the 2025 premium increase coming into effect on 1 April.

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Terms and Conditions

#Rate change disclaimer: Premium increase is in effect from 1 April 2025. Exact premium increase dependent on policy type, level of cover and state. Graph is for illustrative purposes only. For the most accurate and up to date information contact your health fund.

^Instant claiming disclaimer: Instant claiming applies to selected benefits with a 2-month waiting period. 12-month waiting periods still apply. Check your policy for full details on the waiting periods that apply to you.

^Terms and Conditions for the

    “8 Weeks’ Free Cover + No 2-Month Waits on Extras on Combined or Packaged Hospital and Extras Cover (8W2M)” 

    Promotion (Offer)

    The promoter is Health Insurance Fund of Australia Limited ACN 128 302 161 of 100 Stirling Street, Perth, Western Australia 6000 (HIF).

    Eligibility
    1. This offer starts on Thursday 1 May 2025 at 11.00am and closes on Monday 30 June 2025 at 11:59pm (WST) (Offer Period)
    2. Your policy start date must start no later than the Offer Period.
    3. This offer is only available to a person who purchases an Eligible Product and pays by Direct Debit for fortnightly, monthly, quarterly or six-monthly payment frequencies (Eligible Member).
    4. This offer is available during the Offer Period to Eligible Members by:
      1. applying promo code 8W2M through the HIF website at hif.com.au at the time of joining; or
      2. by calling 1300 134 060 and mentioning promo code 8W2M at the time of joining; or
      3. by visiting the branch and mentioning promo code 8W2M at time of joining.  
    5. This offer is only available for the following Combined or Packaged Hospital and Extras cover:
      1. Hospital: Basic Plus, Bronze, Bronze Plus, Silver, Silver Plus, Gold Top; and
      2. Extras: Extras: Basic, Value, Simple, Essential, Advanced, Top; or
      3. Packaged: Basic Starter, Bronze Plus Simple Choice.
              (Eligible Product)
    6. This offer is not available to:
      1. existing members who take out
        • Combined Hospital and Extras, or
        • Packaged Cover, or
        • Hospital only, or
        • Extras only; or
      2. members who take out Overseas Visitors cover; or
      3. former members who have held an HIF policy within the 12 months prior to the Offer Period; or
      4. members who join by broker, intermediary or corporate partner; or
      5. HIF directors, employees or contractors.
    7. This offer cannot be used in conjunction with any other offer or discount from HIF, except where those offers or discounts explicitly state.
    Offer
    1. This offer is for 8 weeks’ free cover on an Eligible Product plus a waiver of the 2-month waiting periods on Extras cover.
    2. The 8 weeks’ free cover offer will be applied after 90 consecutive days from the policy start date by advancing the date the policy is paid to by 8 weeks.  That is, after 90 consecutive days of cover, the next 8 weeks of cover are treated as paid.
    3. During the 8 week’s free cover period, the Direct Debit will be suspended and will resume at the end of the 8 weeks’ free cover period.
    4. At the end of the 8 weeks’ free cover period, the offer is redeemed and HIF is under no further obligation in respect of the offer.
    5. Eligible Members must maintain their Eligible Product (and be financial) for 90 consecutive days from the policy start date on Direct Debit to be eligible to receive the 8 weeks’ free cover. Please allow up to 14 days from that date for the offer to be applied.
    6. This offer is not redeemable for cash, transferrable or exchangeable. No part of the premium which would have otherwise been payable in the 8 week free cover period will be refunded in the event of termination or cancellation of the policy.
    7. Eligible Members who purchase an Eligible Product and qualify for this offer, but later downgrade to Hospital only within 90 days of joining will not have the 8 weeks’ free cover applied to their policy.
    8. Eligible Members who purchase an Eligible Product and qualify for this offer, but downgrade to Extras only within 60 days of joining will have the 2-month Extras waiting periods re-applied to their policy.
    9. To the extent permissible by law, HIF may amend, cancel or suspend all or part of this offer.
    Privacy
    1. Our Privacy Policy outlines how your personal information is handled and the steps we take to ensure the privacy of your personal information, which is available on our website at www.hif.com.au/privacy.

    Archive

    Terms and Conditions for the Offer Period 1 April - 30 April 2025 (Packaged Cover Option)

    Terms and Conditions for the Offer Period 1 March - 30 April 2025

    Terms and Conditions for the Offer Period 1 August -31 October 2024

    Product Disclaimers

    * Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable). It includes a 24.288% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.

    1 Private room, doctor and/or hospital subject to availability. Effective 1 January 2025, for hospital admissions in New South Wales (NSW) public hospitals, private and shared room accommodation is available (private room subject to availability).

    2 Please read carefully and in conjunction with HIF's product factsheets.

    3 Not covered: Transportation from a hospital to your home, nursing home or other hospital. Transportation for ongoing medical treatment. Off road or air ambulance (e.g. plane, helicopter or boat). A $50 per trip co-payment applies if your ambulance is classified as 'non-emergency'.

     

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    Health Insurance Fund of Australia Limited (HIF)
    Whadjuk Country, 100 Stirling Street, Perth WA 6000
    ABN 84 607 276 950
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