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Western Australia


Hello. We’re the Health Insurance Fund of Australia , but our friends call us HIF. And thanks to our affordable health cover options and our commitment to providing choice, choice and more choice, we have a growing number of friends throughout Australia.


More and more people across the country are turning away from other Australian health funds in favour of our ethical member-focused approach, attracted to affordable private hospital cover and ancillary cover that offers 100% choice when selecting HIF’s recognised healthcare providers.

In 2014, data published by the Australian Prudential Regulatory Authority (APRA) confirmed that HIF was the fastest growing not-for-profit Australian health fund in the 2013-14 financial year, and the third fastest growing health fund out of all 35 funds in Australia.

HIF is currently growing at a rate of approximately 24% and in 2014, we offered the lowest average annual rate increase. We also launched Australia’s lowest priced Hospital cover, GoldVital, and won a CANSTAR award for Outstanding Value for our range of Hospital cover options. Check out our 2014 Year in Review video for more details.

By preserving our status as a registered open-access, not-for-profit member-focused private health insurer, we qualify for exemption from income tax assessment under the Income Tax Assessment Act 1997 (Cth) (although we are subject to other forms of taxation). Unlike many Australian health funds, we do not have shareholders.

Our priority is to help our members and their dependents lead healthy and happy lives. Simple as that. We do this by providing a choice of insurance covers for hospital, medical and ancillary services. We also offer travel insurance cover, but ultimately we undertake all of these activities to do one thing – ensure we keep a tight lid on health insurance premiums.

Carbon Reduction Institute