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Price is based on your chosen cover details and has the highest hospital excess applied (where applicable). Excludes any Lifetime Health Cover (LHC) Loading.

# Price is based on your chosen policy type in Western Australia which has the highest hospital excess applied (where applicable) with a 24.608% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.
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Terms and Conditions

1. Homepage

Terms and Conditions

# Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable). It includes a 24.608% Australian Government Rebate on private health insurance. Excludes any Lifetime Health Cover (LHC) Loading.

* Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable). It includes a 24.608% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.

^ Price is based on a single policy in Western Australia after deducting a 24.608% Australian Government Rebate on private health insurance.

~ Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable).

2. Hospital Cover landing

 
* Price is based on your chosen policy type in Western Australia which has the highest hospital excess applied (where applicable) with a 24.608% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.
1 Private room subject to availability.
2 Please read carefully and in conjunction with HIF's product factsheets.

3. Extras landing cover

* Price is based on your chosen policy in Western Australia (WA) after deducting a 24.608% Australian Government Rebate on private health insurance. 

1 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). If your ambulance is classified as 'Non-emergency' a $50 co-payment will apply.   

2Benefits are payable on prescription optical items.

3Please read carefully and in conjunction with HIF's product factsheets.

4. Hospital Comparison Table (panel)

1Price is based on your chosen policy type in Western Australia which has the highest hospital excess applied (where applicable) with a 24.608% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.

5. Extras COmparison Table (panel)

*Price is based on your chosen policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

6. Working visa (panel)

* Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable). 

7. Ambulance

*Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.
1Please read carefully and in conjunction with product factsheets.

8. ART

*Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable) with a 24.608% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.

1Private room is subject to availability.

9. Chiro

*Price is based a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance. 

10. Osteo

*Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

11. Physio

*Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

12. Pregnancy

*Price is based on a single policy type in Western Australia which has the highest hospital excess applied (where applicable) with a 24.608% Australian Government Rebate on private health insurance.
This also excludes any Lifetime Health Cover (LHC) Loading. 1Private room subject to availability 

13. Optical (advanced options)

*Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

14. Speech Theraphy (advanced options)

*Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

15. Hearing Aids (advanced options)

*Price is based on a sinlge policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

24. Combined Cover


* Price is based on your chosen cover details and has the highest hospital excess applied (where applicable). Excludes any Lifetime Health Cover (LHC) Loading.
1 Private room subject to availability.
2 Please read carefully and in conjunction with HIF's product factsheets.
~ Price is based on your chosen cover details. 
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). If your ambulance is classified as 'Non-emergency' a $50 co-payment will apply.   
4 Benefits are payable on prescription optical items.

 

 

 

 

1. Homepage disclaimer

Terms and Conditions

# Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable). It includes a 24.608% Australian Government Rebate on private health insurance. Excludes any Lifetime Health Cover (LHC) Loading.

* Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable). It includes a 24.608% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.

^ Price is based on a single policy in Western Australia after deducting a 24.608% Australian Government Rebate on private health insurance.

~ Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable).

2. Combined Cover disclaimer

Terms and Conditions

* Price is based on your chosen cover details and has the highest hospital excess applied (where applicable). Excludes any Lifetime Health Cover (LHC) Loading.

~ Price is based on your chosen cover details. 

3. Hospital Cover disclaimer

Terms and Conditions

* Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable). It includes a 24.608% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.

4. Extras Cover disclaimer

Terms and Conditions

* Price is based on your chosen policy in Western Australia (WA) after deducting a 24.608% Australian Government Rebate on private health insurance.

5. Working Visa disclaimer

Terms and Conditions

* Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable).

** Price is based on a single policy in Western Australia which has the highest hospital excess applied (where applicable) from 1 April 2024. For more information about these changes click here.

6. Hospital Cover Services disclaimer

Terms and Conditions

* Price is based on a single policy type in Western Australia which has the highest hospital excess applied (where applicable) with a 24.608% Australian Government Rebate on private health insurance. This also excludes any Lifetime Health Cover (LHC) Loading.

7. Extras Cover Services disclaimer

Terms and Conditions

* Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

8. Healthy Lifestyle disclaimer

Terms and Conditions

- A 2 month waiting period applies to our Healthy Lifestyle Benefits category.
- Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing a program to confirm your eligibility. 
- The Healthy Lifestyle annual limit is combined for gym memberships, health assessments, weight management programs, quit smoking plans and skin cancer screenings.