Visit us online or call 1300 13 40 60 to get a quote and join or switch today.

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We’re guessing that choosing health insurance probably isn’t high on your ‘Things
I really want to do with my spare time’ list. Frankly, it can be a bit of a chore. But it’s important too. Who wants to be worrying about public hospital waiting lists or the cost of dental treatment when you or someone in your family needs health care?
We’re here to make choosing the right health insurance as quick, simple and painless as possible, starting with why it makes sense to choose HIF.
1.
We’re all about choice
Unlike many other health funds, we don’t dictate which healthcare providers you can use. With HIF you’re free to visit YOUR preferred practitioner without being penalised financially. Choose the hospital, doctor or specialist you want, choose your dentist, chiropractor, optometrist, physiotherapist and more. You even have a great choice of easy ways to make a claim (see page 19). We keep things simple to make choosing the right cover easier. Speaking of easy, check out our online product selector at hif.com.au
2.
Small premiums, BIG benefits
We offer some of the most competitive and affordable private health insurance products in Australia.
Our benefits are some of the best around, yet our average premium increases are consistently ranked among the lowest in the country.
3.
You get low premiums because we’re highly efficient
We don’t pay income tax or dividends to shareholders, we don’t have a vast network of expensive branches and we don’t spend massive amounts on advertising. Keeping our overheads down means we’re able to keep your premiums down.
4.
We’ve got Australia covered
We provide access to over 500 private hospitals across Australia. That means, if you’re going to be away from home, or you plan to relocate, we’ll still be there to help you during your time of need. A reassuring thought, isn’t it?
5.
We make switching easy
If you want to switch to HIF, don’t let the paperwork put you off. We’ll take care of it all for you and we’ll even honour the length of your membership with your previous fund, so (in most cases) you won’t have to serve new waiting periods (see page 22 for more details).
6.
No anonymous off-shore call centres
When you call HIF, you’re talking to a real HIF team member, right here in Australia – a professional who works solely for you. Call us on
1300 13 40 60 and see for yourself.
7.
Get your money back if you’re not satisfied
We know we have the best health cover in Australia, but if you decide within 30 days of taking our cover that it isn’t right for you (and you haven’t claimed), we’ll give you a full refund of any premiums you have paid.
To see even more reasons, visit hif.com.au
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Pick your own healthcare provider
Unlike some health insurance funds in Australia, we believe in your right to choose your own healthcare providers. So while some health funds might restrict you to their contracted provider lists, we say you’re free to seek treatment wherever you like, anywhere in Australia. With our very affordable Hospital and Extras cover options, the choice is yours. To find out more, visit hif.com.au or call us on 1300 13 40 60 .

High quality, low cost Extras health cover
Mention Extras health cover and people tend to glaze over. It can seem a bit dull. But it’s not. Extras insurance is a wonderful thing, providing cover for your choice of everyday health services like dental, physiotherapy, optical, chiropractic, healthy lifestyle, ambulance, pharmacy and more. And, with some of the lowest premiums in Australia, our Extras options are great value for money too.
What does our Extras cover include?
Medicare’s great, but it only goes so far.
In fact, there are a whole bunch of everyday health care needs that aren’t covered by Medicare.
But fear not, our popular Extras options have you covered for all those services you’re likely to need on a regular or even emergency basis. Choose from services such as:
• Dental
• Optical
• Chiropractic
• Physiotherapy
• Pharmacy
• Podiatry
• Complementary therapies
• Emergency ambulance
• And more...
All you have to do is choose the most suitable level of Extras cover from our five options.
Vital Options
Need entry-level cover for those vital
Extras services? Then choose Vital
Options. With a straightforward 50% rebate for general dental, physio, chiro, osteo, emergency ambulance and some periodontal and endodontic services (up to an annual limit of $800), it’s ideal if you’re young singles and couples.
Saver Options
Want bigger rebates and a broader range of essential Extras services? No worries.
Saver Options is great value – ideal for younger people who want affordable cover for common services including (but certainly not limited to) general dental, optical, physio, chiro, pharmacy and emergency ambulance.
Special Options
If it’s intermediate Extras you’re after, we have just the product. Special Options includes major dental services, plus many other essential services like emergency ambulance, optical, chiro, physio, osteo, pharmacy, acupuncture, naturopathy and healthy lifestyle.
Super Options
Drum roll please... Introducing our most popular Extras option. Super Options has practically everything you could wish for – major dental, chiro, physio, optical to name just a few, plus it covers a host of other services like orthoptics (eye therapy), podiatry consultations and speech therapy.
Premium Options
Here it is, the Extras option to top all Extras options. Premium Options has it all. It’s the very definition of comprehensive, including all the services we mentioned for Super Options, plus larger rebates and higher annual limits.
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Use the comparison table below to help choose the extras cover that is right for you and your budget.
Type of Service
Ambulance
Auxiliary Home Nursing
Asthmatic Spacers
Chiropractic
Complementary Therapies
Dental – General Unlimited
Diabetes Education
Dietetics
Healthy Lifestyle
Occupational Therapy
Optical
Orthoptics (Eye Therapy)
Osteopathy
Peak-flow Meter
Pharmacy Drugs
Physiotherapy
Podiatry Consultations
Speech Therapy
Dental – General Limited
Blood Glucose / Pressure Monitor
Dental – Major
Nebuliser / Humidifier
Orthotic Appliances
Psychological Consultations
Assisted Reproduction Drugs
Hearing Aids
Vital *
50% Back
Saver
Urgent
^
^
^
Special Super Premium
Waiting
Period
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
2 months
Up to
12 months
12 months
12 months
12 months
12 months
12 months
36 months
36 months
Please note:
• For inclusions, benefits and annual limits, please refer to the separate PDS (Product Disclosure Statement).
• For items or services not listed in the above table, please contact us or refer to the separate PDS (Product
Disclosure Statement) for coverage details. hif.com.au/pds
•* Some services are covered.
•* Up to a limit of $800 per person per calendar year.
•^ Only applies to General dental: 011 – 017, 022, 025 – 118, 123 – 171, 311 – 399, 911 – 915, 926, 949 – 986.
Endodontic: 411 – 458. Periodontal: 213 – 282

If you choose one of our popular Extras
(other than Vital Options) options, you’ll be automatically covered for urgent ambulance services (and a small $50 co-payment will apply for non-urgent ambulance). It makes financial sense too, especially when you consider the price of urgent ambulance transport costs over
$900. In comparison, we think our Extras options are great value. For example, the annual cost for a single Saver Options policy is hundreds of dollars less than the average cost of ambulance assistance and means you’ll be covered for 23 other commonly used services too (including general dental, optical, physio, chiro and pharmacy).
Understanding ambulance cover arrangements across Australia
Firstly it is important to understand that in the unfortunate event you require emergency ambulance transport, Medicare won’t cover the cost. However, some state governments subsidise ambulance services, and some pensioners and low income earners may also be entitled to free ambulance assistance. For more information and to view the ambulance arrangements in your state or territory, visit hif.com.au
HIF Ambulance cover explained
The great news about our ambulance cover is that it doesn’t matter which level of Extras (other than Vital Options) cover you choose, the benefits for ambulance are exactly the same (and no limits apply either.) So if you do happen to need an ambulance in the future, you can rest assured that you’ll be covered for 100% in most circumstances. The only time you’ll be required to contribute is if the call out is considered “non-urgent” (or
“non-emergency”) in which case a $50 copayment will apply.
Benefits paid:
• Emergency call-outs and transportation:
100% covered by HIF.
• Non-emergency call-outs and transportation: a $50 co-payment will apply.
This does not apply to Vital Options, which pays 50% back on emergency ambulance only. Please see hif.com.au/vitaloptions for more details.
Please note:
• Benefits are paid on charges raised for approved ambulance services.
• Benefits are not payable for inter-hospital transportation except for inter-hospital transfers relating to an emergency or new illness where approved on a case by case basis by HIF.
• Benefits are not payable for transportation from a hospital to your home, nursing home or other hospital, or for transportation for ongoing medical treatment.
• For more information, please refer to the separate
Product Disclosure Statement (PDS) or visit hif.com.au/PDS
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SmartTeeth is a unique benefits program that sets our private dental insurance cover apart. It’s brilliant. And we can say that in all modesty because it was our members’ idea.
They asked us for dental cover that rewards proactive dental care and provides higher rebates for the most popular services. So that’s what
SmartTeeth provides – up to 100% rebate for the most popular dental services, like:
• Examinations
• Remineralisation
• Plaque and calculus removal
• Dentist-fitted sports mouthguards
And it doesn’t cost you a thing
As a standard part our Saver, Special
Super and Premium options (other than
Vital Options), SmartTeeth provides added value, but at no added cost.
Choose your own dentist
Unlike some health funds, we don’t have
‘contracted dentists’. With HIF, you’re free to choose any dentist you want. In fact, the Australian Dental Association of
Western Australia (ADAWA) has publicly commended our stance on protecting your right to choose. That makes us the only health insurance fund in Australia with an ADAWA commendation.
Brush up on your dental care
Check out our free online dental information resource – our Healthy
Advice Blog by Dr Emma. Focusing solely on dental health matters, it’s written by a professional dentist who answers questions from our members.
Visit hif.com.au
How will my SmartTeeth dental rebate be calculated?
We will pay a percentage of the dentist’s fee, up to a set maximum benefit for each item of service^. For example, with our
Premium Options Extras cover you get:
1 Top 24 general dental services:
80% to 100% of the fee, up to a set maximum benefit per item.
2 All other general dental services:
70% of the fee, up to a set maximum benefit per item*.
3 All other (i.e. major) dental services:
60% of the fee, up to a set maximum benefit per item*.
Benefits differ for Vital Options. Please see hif.com.au/vitaloptions for more details.
^ Benefits may be limited where potential rebates exceed dental service sub limits or annual limit.
* Contact us on 1300 13 40 60 for details of these services.

SmartTeeth: An example
Mary is covered under Super Options and she visits her family dentist who completes Mary’s first oral examination and her first plaque removal in the calendar year.
As recommended by her dentist, Mary has a second (6 monthly) examination later that year. The following table is an example of the dentist’s fee and the rebates Mary will attract.
Maximum Dental Rebate Example
Dental Item Description Dentist Fee
Percentage of Fee
Maximum
Payable
Rebate paid to Mary
011
114
012
Oral examination
(first visit)
Removal of calculus
(first visit)
Oral examination
(second visit)
$55.00
$120.00
$55.00
100%
100%
80%
$59.25
$107.15
$42.20*
$55.00
$107.15
$42.20
* Figure represents 80% of the maximum rebate which is the maximum amount payable for subsequent visits.
This does not apply to Vital Options. Please see hif.com.au/vitaloptions for more details.
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Our top 24 SmartTeeth dental services
Item
Number
011 or
012
111 or 114 or 115
121
Description
Oral examination
Removal of plaque, stain or calculus
Topical application of remineralising agent
151 or 153 Provision of a mouthguard
First visit
100%
100%
100%
100%
Second visit
80%
80%
80%
80%
Please note: These benefits are payable on all our Extras products (other than Vital Options). The actual benefit amount cannot exceed our set maximum benefit for each dental item, service sub limits or annual dental limit.
See the example on page 9 for more information.
Item
Number
013
014
022
118
161
311
512
513
521
522
523
531
532
533
575
577
Description
Emergency oral examination
Consultation
Intraoral periapical or bitewing radiograph
Bleaching, external – per tooth
Fissure sealing – per tooth
Removal of permanent tooth
Metallic restoration – two surfaces – direct
Metallic restoration – three surfaces – direct
Adhesive restoration – one surface – anterior
Adhesive restoration – two surfaces – anterior
Adhesive restoration – three surfaces – anterior
Adhesive restoration – one surface – posterior
Adhesive restoration – two surfaces – posterior
Adhesive restoration – three surfaces – posterior
Pin retention – per pin
Cusp capping – per cusp
Premium
Options
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
80%
Super
Options
70%
70%
70%
70%
70%
70%
70%
70%
70%
70%
70%
70%
70%
70%
70%
70%
Special
Options
65%
65%
65%
65%
65%
65%
65%
65%
65%
65%
65%
65%
65%
65%
65%
65%
Benefits differ for Vital Options. Please see hif.com.au/vitaloptions.
65%
65%
65%
65%
65%
65%
65%
65%
65%
65%
Saver
Options
65%
65%
65%
65%
65%
65%
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Please note: The actual benefit amount cannot exceed our set maximum benefit for each dental item, service sub limits or overall annual limit.

Quality private Hospital cover that is affordable for all Australians
We know that choosing private hospital insurance cover can be confusing.
Which fund should you choose? What level of cover? Will Hospital cover cut your tax bill? How easy is it to switch health funds? But relax. It’s really not that complicated or expensive. Read on to see if private Hospital cover is for you and, if so, which option suits your needs.
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Nobody likes the idea of going into hospital. But if you or a member of your family has to, it’s good to know you’re able to:
• choose your preferred public or private hospital;
• choose the doctor or specialist you want;
• choose a private room, rather than a shared one;
• focus on getting better, safe in the knowledge you’re covered for things like accommodation, in-patient services and theatre room fees.
Simply choose the level of cover that suits your requirements – there’s an option for everyone.
Recently arrived in Australia from overseas?
If you have – welcome! HIF has a range of products to suit the circumstances of all temporary or new residents of
Australia. The products listed in this brochure are designed for permanent
Australian residents only and cannot be used for private treatment by temporary residents; so if you’re not a permanent resident of Australia and you are unsure of your options, visit hif.com.au
to find out more about Overseas
Visitors Health Cover or call us on 1300 13 40 60 .
GoldVital
Basic hospital cover. Tick. No Medicare Levy
Surcharge. Tick. GoldVital is our tax-saving, entry-level Hospital cover option of choice for young singles and couples who want cover for all the vital stuff, like treatment after an accident^ including related intensive care and theatre fees, plus other essential services, including surgery to remove tonsils, adenoids, appendix and wisdom teeth.
GoldStarter
Like GoldVital, our GoldStarter cover is a smart choice if you’re younger and less likely to require things like maternity services or cardio (heart) procedures. But with GoldStarter you get a broader range of great-value cover that includes more nonemergency services and benefits. All the essentials, plus a bit more peace of mind.
GoldSaver
GoldSaver is our intermediate Hospital cover and is a step up from GoldStarter.
It’s great for young couples and families who are likely to need things like maternity cover (including up to three days in a private room) but are less likely to require cardio (heart) procedures or joint replacement surgery.
Gold
Gold is our award-winning shared-room
Hospital cover option. With Gold hospital, you’re fully covered for theatre and ward fees. It’s especially great if you’re planning on having a baby, because our maternity cover includes up to five days in a private room at no extra cost.
GoldStar
GoldStar is our premium Hospital cover option, with all the bells and whistles.
You’re fully covered for everything, including a private hospital room, theatre fees and ward fees. No worries. Just total peace of mind for you and your family.
Please note:
• Some waiting periods may apply. See page 22 for full details.
• Some examples of cardiac (heart) procedures including medical treatment or surgical procedures for cardiac conditions are arrhythmias, artery bypass, grafts, coronary angloplasty, congenital defects, heart disease, stent insertion, heart transplants, pacemakers and defibrillators.
• AccessGap Cover may apply to reduce your outof-pocket expenses. Please refer to the separate
Product Disclosure Statement (PDS) for more details. hif.com.au/pds by chance and caused by an external force or object which results in injury to the body requiring immediate attention in hospital within 24 hours of the accident.

Hospital
Accomodation Cover
Shared room - all services
Private room - all services
Private room - maternity services
GoldVital GoldStarter
(co-payment)
GoldSaver
(co-payment)
(3 days)
Gold
(co-payment)
(5 days)
GoldStar
(unlimited)
Services Cover
Same-day accommodation
Same-day theatre
Theatre care
Intensive care
Appendectomy
Removal of tonsils
& adenoids
Pharmacy drugs (in-patient)
Prostheses
AccessGap cover
Joint reconstruction
Minor gynaecological services
Hospital charges for surgical removal of wisdom teeth
Hospital treatment as the result of an accident^
Palliative care
(disease)
Rehabilitation
Psychiatric care & treatment
Ear, nose & throat
Back surgery
Maternity services
*
(restricted) (restricted)
(restricted) (restricted)
(restricted) (restricted)
Choice of excess
Joint replacement
Eye surgery
(non-cosmetic)
Assisted Reproductive
Technology (e.g. IVF)
Cardiac (heart)
(restricted)
(restricted)
(restricted)
(restricted)
(restricted)
* Benefits will be paid for Same Day Procedures only for minor gynaecological procedure.
^ An accident means an unforeseen event, occurring by chance and caused by an external force or object which results in an injury to the body requiring immediate medical treatment in hospital within
24 hours of the accident. If further hospital treatment (as an admitted patient) is required, the patient must be re-admitted to a hospital within 90 days of the initial hospital treatment.
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GoldStar
Gold
Restrictions
Surgery by Podiatrists
Surgery by Podiatrists
Exclusions
Cosmetic services
Services not covered by Medicare
Cosmetic services +
Services not covered by Medicare
Cosmetic services +
Services not covered by Medicare
Gastric banding and obesity surgery
GoldSaver Surgery by Podiatrists
Psychiatric
Cardio (heart) conditions, procedures or monitoring
Eye Surgery
Joint Replacement
Assisted Reproductive Technology
GoldStarter Surgery by Podiatrists
Psychiatric
Palliative Care
Rehabilitation
GoldVital Psychiatric
Palliative Care
Rehabilitation
Cosmetic services +
Services not covered by Medicare
Gastric banding and obesity surgery
Obstetrics (Maternity)
Cardio (heart) conditions, procedures or monitoring*
Joint Replacement
Eye surgery
Assisted Reproductive Technology
*All services are excluded except for accidents^, tonsils, adenoids, appendix, wisdom teeth surgery, joint reconstruction
(not replacements) and investigations or minor gynaelogical procedures only
Please note:
• Some waiting periods may apply. See page 22 for full details.
• *Some examples of cardiac (heart) procedures including medical treatment or surgical procedures as for cardiac conditions are arrhythmias, artery bypass, grafts, coronary angloplasty, congenital defects, heart disease, stent insertion, heart transplants, pacemakers and defibrillators.
• +Where a service is deemed by Medicare to be cosmetic or does not attract a Medicare rebate, all charges raised during your hospital stay will not be eligible for payment.
• A restricted service means a basic public hospital rate will be paid for accommodation and all other charges raised during the stay and out-of-pocket expenses will be paid by the member.
• O An excluded service means all charges raised during the stay will be paid by the member.
• Please refer to the separate Product Disclosure Statement (PDS) for more details. hif.com.au/pds results in injury to the body requiring immediate attention in hospital within 24 hours of the accident.

Whether it’s your first baby or your fifth, a new addition to the family is always a magical time. So when it comes to maternity services, our affordable Hospital cover options will give you the peace of mind you deserve.
For example...
• You can choose your own private hospital.
• You can choose your own obstetrician
• Your labour ward fees will be fully covered.
• Your baby will be fully covered on your HIF policy from the moment they’re born.
We offer three great hospital products that cover maternity services – GoldSaver,
Gold and GoldStar.
Conditions may apply – please see our
Product Disclosure Statement for more information or restrictions and exclusions. hif.com.au/pds
What about maternity waiting periods?
We know from experience that being pregnant can often result in swollen ankles
(not to mention some rather interesting food cravings), but the bundle of joy that arrives nine months later will definitely make the wait worthwhile.
And speaking of waiting, the waiting period for all obstetric related services is
12 months. That means you’ll need to have held maternity cover for 12 months prior to your estimated due date – so remember to take out Hospital cover as early as possible. That way, you’ll have already served your hospital waiting periods long before your new bub arrives.
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Affordable health cover is just a click away
To get an instant quote, join at a time that suits you or simply learn more about HIF and our popular range of health cover options, visit hif.com.au
Maybe you’ve already chosen the Hospital cover, Extras cover or combination you want. Perhaps you’re not quite sure and need a bit of advice. Either way, we’re here to help you, so get in touch.
• . Visit hif.com.au
to use our online product selector (it’s easy).
You can also get an instant quote and join online.
• . Call us on 1300 13 40 60 and speak to one of our friendly sales consultants. They understand our cover options inside out, so they can help you make a decision and join over the phone. Our call centre is open from
7.00am until 5.30pm (WST), Monday to Friday.
• . Email us at sales@hif.com.au
.
A member of our team will contact you with all the information and assistance you need to make the right decision and join.
You spread the word, we’ll share the love
One of the reasons we have some of
Australia’s lowest premiums and best benefits is that our satisfied members spread the word for us. And when they do, we like to say ‘thank you’ via our
Member Rewards Program* – you get a $70 gift voucher every time a new member joins us as a result of your recommendation and mentions your name on their application form.
*Terms and conditions apply, please visit hif.com.au/members for more information.
Don’t throw me away
It’s important that you read and keep this brochure and the accompanying
PDS. We’ll be testing you to make sure you’ve digested all the information... OK, so we won’t be testing you, but you really should keep hold of all the information you receive about membership, benefits and conditions.
In fact, we’re continually improving our benefits, so it’s worth downloading the latest version of this brochure and the
PDS from time to time. It’s the best way to ensure you get the most out of your cover when you need to claim. Visit hif.com.au
for the most up-to-date publications.
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Please note:
• Your cooling-off period: Once you’ve applied for HIF membership, you have 30 days to read your policy.
If, during this time, you decide that you don’t wish to take up the cover, you may cancel the policy and we will give you a full refund, provided you have not made a claim.
• Your fund membership will commence on the date your completed application form is lodged with HIF, or a date after the date of lodgement which you have nominated. (The date of lodgement is the date we receive your application.)

If you’re ready to say goodbye to your old health insurer and hello to better cover, service and premiums with us, it’s easy.
Just let us know you’re switching when you apply for HIF cover and we’ll arrange a seamless transfer, pronto.
Switching to HIF is easy! To authorise us to arrange the transfer on your behalf, simply check the box during the online application process and enter the name of your previous health fund and your membership number.
Alternatively, if you’re joining over the phone, you can instruct your Sales
Consultant to complete the authorisation details for you. Once we have your authorisation, we’ll then contact your previous fund and request that they send us what’s known as a ‘Clearance
Certificate’.
The certificate provides HIF with all the details we need in order to finalise your new policy with us, including your length of membership with your old fund, any waiting periods that may still be outstanding, plus any Lifetime
Health Cover loading that may apply.
Please note that Australian health funds have up to 30 days to issue Clearance
Certificates, so if you would like your old fund to issue your certificate as a matter of urgency, please let us know and we can escalate it as a priority request.
Alternatively, you can contact your previous fund yourself and submit a direct request for a certificate to be sent to HIF.
Waiting periods? What waiting periods?
When you become an HIF member, we’ll even take your previous membership into account. For example, if you have been with your current fund for 10 years on an equivalent level of cover, we will bring your loyalty across to HIF.
And you won’t have to re-serve new waiting periods, for any services you were previously covered for.
In fact, even if you’re switching to a higher level of Extras cover, we will waive all two month waiting periods, so you can claim straight away on popular
Extras services like dental, optical, chiro and physio.
Call us on 1300 13 40 60 or email our team at sales@hif.com.au
to find out more about switching.
We know first-hand just how confusing private health insurance can be. But that’s why we’re here – to make everything as simple (and affordable) as possible.
So, if you can’t find the answer to your questions in this brochure, don’t fret.
The full need-to-know details of all our
Hospital and Extras cover options, plus
FAQs and a glossary, can be found in our
Product Disclosure Statement booklet or on our website – hif.com.au/pds
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We’re all about choice and making life easy at HIF. Choose the cover that suits you. Choose your hospital, your doctor, your specialist, your dental provider… And we also offer a choice of ways to pay your premiums and make a claim, all designed to make life simple. So choose away.
Ways to pay
• . Flexible. Automatic.
Convenient. No wonder it’s our most popular payment option.
• . We send you an account when your premium is due and you can pay however you like:
• – call 1300 13 40 60 for over-the-phone credit card payments
(we accept Mastercard, Visa, Diners
Club and AMEX).
• – through your bank’s phone or internet banking system.
• – via your phone or the internet.
• – through our online Member
Services Centre.
• – at any Australia Post branch.
• – post your cheque or money order and the lower half of your invoice to:
HIF, GPO Box X2221, Perth WA 6847.
Ways to claim
• . Healthcare providers with electronic claiming technology (HICAPS or iSoft) can settle your account with you on the spot. All you need to do is swipe your
HIF membership card and pay the difference (if any).
• for mobile. If you have an
Apple or Android mobile device, you can submit paid Extras accounts of
$700 or less by using your mobile’s in-built camera to photograph receipts and invoices. Download HIF SmartClaim now from the Apple App Store or the
Android Market or see page 21 for more details.
• . For paid Extras accounts of $700 or less, try our quick and easy Fast-Track option. Simply scan your completed HIF claim form and associated receipts and invoices, and email a copy to claims@hif.com.au.
Alternatively, fax a copy to
(08) 9328 1685.
Visit hif.com.au
or read our Product
Disclosure Statement to find out more about our claiming options.
Discounts and special offers
Premiums are discounted for members who pay in advance via direct debit or manual invoice: 2% for half-yearly and
4% for yearly. We also operate other special offers throughout the year. Visit hif.com.au
to see what’s new.
Please note:
• All providers must be registered with HIF for claim benefits to be paid.
• Benefits will not be paid for any hospital or Extras costs incurred outside Australia or which are not provided as part of a recognised consultation process.
• Conditions apply for SmartClaim and Fast-Track claims. Please visit hif.com.au or call us on 1300 13 40 60 for more details.
• Upon joining HIF, member cover, benefits and services are subject to our Business Rules. For a copy of the rules, contact us or visit hif.com.au.
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Welcome to SmartClaim, our free and easy-to-use mobile app that makes it simple to submit Extras claims when you’re out and about.
Tap. Snap. Claim. Easy.
With SmartClaim, you can make a claim wherever you are, whenever you like. It puts HIF in your pocket and the process is as simple as:
•
Type your personal information and claim details directly into SmartClaim.
• Snap your receipts
Use your phone’s camera to take a photo of your invoices and SmartClaim will cleverly bundle them up for you, ready to submit with your claim details.
•
Hit the submit button within the app to send the claim through to us.
We’ll then take care of the rest, reimbursing your money asap.
It’s FREE, fast and green
While swiping your membership card is still the quickest way to claim, there may be instances where the eClaiming option is unavailable; and when that happens,
SmartClaim will take the pain out of the manual process. It’s fast, free and reduces paper waste too.
Who can use SmartClaim?
SmartClaim is available to HIF members who currently hold Extras cover and own an Android mobile device or Apple mobile device (with iOS4+) that includes an integrated camera. Open iTunes or the
Android Market on your mobile device now to download the SmartClaim app for free and try it for yourself.
Important Checklist for Claiming by
Smartphone, Email or Fax
• Is the invoice paid?
• Is the claim under $700?
• Is the image of the invoice clear and in focus?
• Can all the details on the invoice be read clearly on the image?
• Is the eftpos receipt removed?
Conditions of use:
SmartClaim puts the power to claim in the palm of your hand. However, please bear in mind that:
• A maximum of four items can be lodged per SmartClaim
• A maximum of $700 (total service fee value) can be claimed per day
• The ‘Date of Service’ must be no more than two years prior to the date you claim
• You must retain all original invoices/receipts for two years from the date you claim
• HIF reserves the right to randomly select claims for auditing purposes.
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Whether we’re answering your call, or helping you switch from another health fund, we don’t like to keep you waiting.
Unfortunately though, waiting periods are a universal necessity for all health funds.
Waiting periods protect us and our members against people who simply join our health fund to claim large amounts and then leave. That said, we try to keep waiting periods to a minimum. That’s why, if you join us from another health fund, we’ll take your previous membership into account so that, wherever possible, you don’t have to re-serve waiting periods.
Hospital waiting periods
General hospitalisation
GoldVital
2 months
GoldStarter
2 months
GoldSaver
2 months
Gold
2 months
GoldStar
2 months
All obstetric-related services Not covered Not covered 12 months 12 months 12 months
All treatment related to a pre-existing ailment or condition, but not including pre-existing conditions for psychiatric care, rehabilitation or palliative care
Hospital treatment as a result of an accident
12 months
1 day
12 months
-
12 months 12 months 12 months
-
See page 6 for Extras waiting periods.

HIF is committed to providing our members with access to the highest possible level of service and we value the feedback that our members provide. As part of HIF’s commitment to continuous improvement if you have a concern regarding your HIF membership, our products, benefits or our service we would be happy to hear from you.
If you have a complaint or concerns, you can discuss this with one of our Customer
Service Representatives on 1300 13 40 60 or email your complaint to hello@hif.com.au and we will: concerns promptly which could not be resolved to your satisfaction to HIF’s formal Ex-gratia
Committee (you should address your complaint in writing to Executive
Manager – Operations, Health Insurance
Fund of Australia, GPO Box X2221,
PERTH WA 6847)
• Openly share our complaints procedure with you, including external resolution options, li k e involving the Private Health
Insurance Ombudsman (you can contact the Ombudsman on 1800 640 695 or write to: Office of the Commonwealth
Ombudsman, GPO Box 442, Canberra
ACT, 2601) or Privacy Commissioner of contact, wherever possible manner, with the best interests of all members in mind resolve them swiftly, within two business days and services by passing it on to our
Product Development Committee.
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1300 13 40 60
GPO Box X2221 Perth WA 6847
The information in this brochure is correct as at December 2014. Minor changes may occur after that date. If major changes occur, a separate insertion will be included in the brochure or the brochure will be reprinted. HIF members are encouraged to regularly download the latest copy of this brochure from hif.com.au
, or contact us and we will send one to you.