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Health Insurance Fund of Australia (HIF) is a private health insurer that operates as an open health fund.
Background
HIF was established in 1954 as the Western Australian Government Railways Employees Hospital and Medical Benefits Fund Inc. It changed its name to the Health Insurance Fund of WA in 1978.
To reflect its increasingly nationwide membership, it became the Health Insurance Fund of Australia in 2010.
HIF has around 120,000 members and claims to be Australia’s first certified carbon-neutral health fund.
Who can join HIF?
Anyone can join HIF because it is an open health fund.
Does HIF have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?
Yes. HIF has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:
Location
Number of private Agreement Hospitals
Industry maximum
ACT
5
6
NSW
92
98
NT
2
2
QLD
49
60
SA
19
23
TAS
8
9
VIC
73
76
WA
21
24
HIF alsohasagreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:
Yes. HIF is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance.
It is also a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.
Does HIF let me claim online or via an app?
Yes. HIF allows you to make a claim online via its new Member Centre or the HIF Member mobile app.
