HIF
Registered as Health Insurance Fund of Australia Limited · fund code HIF · Open membership
Health insurance
HIF sells 518 open policies with hospital cover (392 hospital-only, 126 combined with extras, counting one per state and household type) in all states, grouped below into 19 products. Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Silver Hospital $200/$400 | Silver Plus | Hospital | $200 | None | 29 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $124.95 – $455.60 | ||
| Silver Hospital $500/$1000 | Silver Plus | Hospital | $500 | None | 29 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $106.05 – $417.00 | ||
| Silver Hospital $750/$1500 | Silver Plus | Hospital | $750 | None | 29 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $99.60 – $391.60 | ||
| Silver Plus Hospital $200/$400 | Silver Plus | Hospital | $200 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $187.05 – $631.60 | ||
| Silver Plus Hospital $500/$1000 | Silver Plus | Hospital | $500 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $172.20 – $581.90 | ||
| Silver Plus Hospital $750/$1500 | Silver Plus | Hospital | $750 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $164.95 – $543.30 | ||
| Silver Plus Family Advanced | Silver Plus | Combined | $750 | None | 32 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $484.45 – $1,030.85 | ||
| Silver Plus Family Mid | Silver Plus | Combined | $750 | None | 32 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $440.30 – $926.70 | ||
| Silver Plus No Maternity Combo | Silver Plus | Combined | $500 | None | 34 | 1 | All states | SCSingle, Couple | $216.00 – $661.10 | ||
| Bronze Plus Hospital $200/$400 | Bronze Plus | Hospital | $200 | None | 23 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $96.65 – $377.50 | ||
| Bronze Plus Hospital $500/$1000 | Bronze Plus | Hospital | $500 | None | 23 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $87.00 – $327.70 | ||
| Bronze Plus Hospital $750/$1500 | Bronze Plus | Hospital | $750 | None | 23 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $83.35 – $311.80 | ||
| Bronze Plus Simple Choice | Bronze Plus | Combined | $750 | None | 25 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $122.80 – $414.95 | ||
| Bronze Hospital $200/$400 | Bronze | Hospital | $200 | None | 18 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $79.40 – $346.70 | ||
| Bronze Hospital $500/$1000 | Bronze | Hospital | $500 | None | 18 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $74.40 – $315.50 | ||
| Bronze Hospital $750/$1500 | Bronze | Hospital | $750 | None | 18 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $71.50 – $299.80 | ||
| Basic Plus Hospital $500/$1000 | Basic Plus | Hospital | $500 | None | 3 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $64.00 – $250.40 | ||
| Basic Plus Hospital $750/$1500 | Basic Plus | Hospital | $750 | None | 3 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $61.95 – $244.60 | ||
| Basic Starter | Basic | Combined | $750 | None | 0 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $81.65 – $284.20 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 0 of 38 categories covered, 3 restricted, 35 not covered
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Basic Starter (Basic, combined)
Cover profile 2 · 25 of 38 categories covered, 3 restricted, 10 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Pregnancy and birth, Weight loss surgery
Products Bronze Plus Simple Choice (Bronze Plus, combined)
Cover profile 3 · 34 of 38 categories covered, 1 restricted, 3 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products Silver Plus Hospital $200/$400 (Silver Plus, hospital); Silver Plus Hospital $500/$1000 (Silver Plus, hospital); Silver Plus Hospital $750/$1500 (Silver Plus, hospital); Silver Plus No Maternity Combo (Silver Plus, combined)
Cover profile 4 · 32 of 38 categories covered, 1 restricted, 5 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Cataracts, Dialysis for chronic kidney failure, Joint replacements, Pain management with device, Weight loss surgery
Products Silver Plus Family Advanced (Silver Plus, combined); Silver Plus Family Mid (Silver Plus, combined)
Cover profile 5 · 3 of 38 categories covered, 3 restricted, 32 not covered
Covered Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products Basic Plus Hospital $500/$1000 (Basic Plus, hospital); Basic Plus Hospital $750/$1500 (Basic Plus, hospital)
Cover profile 6 · 18 of 38 categories covered, 3 restricted, 17 not covered
Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dental surgery, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze Hospital $200/$400 (Bronze, hospital); Bronze Hospital $500/$1000 (Bronze, hospital); Bronze Hospital $750/$1500 (Bronze, hospital)
Cover profile 7 · 23 of 38 categories covered, 3 restricted, 12 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze Plus Hospital $200/$400 (Bronze Plus, hospital); Bronze Plus Hospital $500/$1000 (Bronze Plus, hospital); Bronze Plus Hospital $750/$1500 (Bronze Plus, hospital)
Cover profile 8 · 29 of 38 categories covered, 1 restricted, 8 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Silver Hospital $200/$400 (Silver Plus, hospital); Silver Hospital $500/$1000 (Silver Plus, hospital); Silver Hospital $750/$1500 (Silver Plus, hospital)
Extras profiles
Extras profile 1 · 5 services
Services Chiropractic, General dental, Optical, Osteopathy, Physiotherapy
Products Basic Starter (Basic, combined)
Extras profile 2 · 15 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Endodontic, Exercise physiology, Health management programs, Non-PBS pharmaceuticals, Optical, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage
Products Silver Plus Family Mid (Silver Plus, combined); Bronze Plus Simple Choice (Bronze Plus, combined)
Extras profile 3 · 12 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Endodontic, Health management programs, Non-PBS pharmaceuticals, Optical, Physiotherapy, Podiatry, Remedial massage
Products Silver Plus No Maternity Combo (Silver Plus, combined)
Extras profile 4 · 24 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Health management programs, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy
Products Silver Plus Family Advanced (Silver Plus, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (17 products)
- Waiting profile 2: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (2 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/hif.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.