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Unethical and poor customer service
I have been a long term member of HIF and alike many believed (hoped) they had my families best interests at heart.
After reviewing my policy this year, I found that my the original policy I signed up for was obsolete and that they had removed major treatments and services from my policy without my consent whilst increasing my annual premiums...
When speaking to the customer service representative, I was advised of the above and that I needed to upgrade to a superior (and more costly) policy to gain the same amount of cover I previously held....Read more
I received an formal updated quote for a monthly premium which I accepted. Upon submission I then received an email saying that my policy had been processed at the ‘fortnightly‘ premium effectively doubling the quoted rate (without any discussion with me !) with would be processed within 7 days if they hadn’t heard from me... When I questioned the discrepancy, I was later told that the rate was incorrect and it was for a fortnightly premium and the rate had doubled ! I have found HIF to be unprofessional and unethical and will never deal with this organisation again !Similar opinion? Write a review on ieatwords.com.au!
Chris
- 4 reviews
Dishonest and keep your money
I rang HIF on 31 March to cancel my health insurance policy, with an effective cancel date of 4 April. On 5 April I found that HIF had charged my credit card for another month's insurance. I rang HIF and they assured me a refund would be issued on my card for the month's insurance within a week. It is now 20 April and I have yet to receive a refund.
It's not bad enough that HIF charged my card after I cancelled, but now they are holding on to the funds. It should not take more than 2 weeks to issue a refund! Very poor service and outdated processes. They still haven't implemented the ability to change payment methods on their online portal.
1 comment
Similar opinion? Write a review on ieatwords.com.au!
JohnPerth, WA
- 3 reviews
Left HIF after many years
Began with HIF in 1976 but recent events have disappointed me with their lack of integrity and service. Received a letter to say that due to a postage error HIF our personal details had been compromised. Rang call centre to get more info....very abrupt and dismissive operator. Asked to speak to team leader....couldn’t connect told the TL would call back...didn’t. Through iSelect compared covers and have now joined NIB and saved nearly $1400 per year.
1 comment
HIF A.HIF (Health Insurance Fund)
Hello John,
Thank you for your review, and I'm sorry to hear we've let you down recently. It's certainly not how we want our Members to feel, especially long-term Members like yourself.... Read more
I'm conscious that you've already made the switch to NIB now and I'm sad that we've lost you as a Member after such a long time. I do understand your reasons though, and if you ever decide to return to HIF in the future, we'd love to welcome you back. In the meantime, please take care and stay safe during this worrying and uncertain time. Best wishes, Nikki.Similar opinion? Write a review on ieatwords.com.au!
Find out how HIF (Health Insurance Fund) compares to other Health Insurance
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BenGreater Melbourne (Metropolitan), VIC
Customer Service :(
I'm hesitant to write a negative reviews because I believe strongly in dealing with the company directly. However, in this instance I have emailed HIF three times in the last ten days and have not received a response!
I purchased the Premium Extras product from HIF many years ago on the basis that they offered the Best Doctors Second Opinion (I paid a significant premium in doing so!).
Recently, when seeking a second opinion, Best Doctors called HIF to check my eligibility and were told by HIF that I was ineligible due to not having an acc...Read more
ompanying hospital policy. This is in contradistinction to HIF's very own website advertising! I've now waited +3 weeks for a significant health issue that could have been resolved much quicker had HIF's customer service followed up with me in the appropriate time frame.1 comment
HIF A.HIF (Health Insurance Fund)
Hello Ben,
Thank you for taking the time to leave this review. I'm very sorry for your recent experience though, and I'd like to resolve this for you ASAP.... Read more
Firstly, regarding access to Best Doctors, you're absolutely correct Ben. All HIF Members who hold Premium Options Extras are automatically eligible for full access to all of Best Doctors services through our 'HIF Second Opinion' benefit. I'm very concerned that you received misinformation about this recently, and I apologise sincerely for that. To enable me to liaise with both our Member Service team and Best Doctors about this, please email your full name and Member Number to me on [email protected], then I can investigate this for you as a matter of priority. In the meantime, I must also apologise for our slower-than-desirable response times at the moment. Unfortunately, the issues surrounding Coronavirus has meant that our contact centre is overwhelmed with calls and emails right now. That said, a 10-day wait is certainly not good enough and I'm very sorry we've let you down on this occasion. Thanks again Ben, and I hope to hear from you soon so we can make this right for you! Take care, Nikki.Similar opinion? Write a review on ieatwords.com.au!
Bertie59Perth, WA
- Verified customer
Glad I made the switch
Up until recently, I was with another insurer and paying a very high premium. I recently switched to HIF and while I slightly lowered my cover, I have managed to save a lot of money and still be covered for the things I need. I signed up over the phone and the salesperson, Gavin, was friendly and knowledgeable and made everything easy for me to understand (I'm a bit of a technophobe!). So far I'm very happy with the service and the benefits I've received for my optical and dental claims. I'm glad I've made the switch.
1 comment
HIF A.HIF (Health Insurance Fund)
Hi Bertie,
That’s wonderful to hear, thank you so much for making the switch and taking the time to leave such a fantastic review. Gavin is indeed a wonderful asset to HIF and it's fabulous to hear this from a Members' perspective.... Read more
Bertie, if you ever have membership queries or need assistance in the future, please don't hesitate to email me directly. You can reach me any time on [email protected] Thanks and warm regards, Lisa (Digital Marketing Consultant)Similar opinion? Write a review on ieatwords.com.au!
Adrian WAPerth, WA
- Verified customer
HIF saved me $$$ at the dentist
I went to the dentist for a check up and clean. I had only recently moved over to HIF and wasn't exactly sure how much they would cover. I was pleasantly surprised that they covered a huge chunk of the amount. I was really impressed and glad I made the move.
1 comment
HIF A.HIF (Health Insurance Fund)
Hi Adrian, what a great message to receive on a Friday! Our Members are our number 1 priority and we really appreciate you taking the time to write this review.
I'm delighted to hear that you've had... Read more
a great experience with HIF so far and if our team can ever be of further assistance, now or in the future, please don't hesitate to email us on [email protected].Similar opinion? Write a review on ieatwords.com.au!
MichaelSydney, NSW
- 9 reviews
So misleading.
Policy claims to "cover" certain things with a "choice of surgeon" but when it comes to the event, there's misleading fine-print at every turn.
eg. The list of "Access Gap" surgeons includes a cheeky easy-to-miss word in the fine print "MAY"... in context: the following surgeons "MAY" participate in the no-gap program.
OF COURSE HARDLY ANY OF THEM DO. What good is a list of surgeons that MIGHT offer no gap treatment??? It's completely misleading, and gives the false impression that HiF will pay for surgeries with professors / experienced surg...Read more
eons. My "covered" tonsillectomy cost me around $2,000, HiF kicked in $293 with a $200 excess... ie. $93. Great. Then they refused to cover the hospital's $65 "private room" fee, even though I never requested one. What a rort.6 comments
HIF A.HIF (Health Insurance Fund)
Hello,
Thank you for providing this feedback and please accept my sincerest apologies for any disappointment caused.... Read more
I'd like to investigate this for you, so would you mind emailing your full name, date of birth and HIF Member number to [email protected]? That way I can review your membership in detail and escalate this to our Member Services Manager for review as soon as possible? Kind regards, Lisa (Digital Marketing Consultant)It's got nothing to do with my specific membership. Just look at your website:
"Access Gap Cover, is designed to minimise or eliminate these out of pocket expenses.... if you choose an Access Gap doc... Read more
tor, you're likely to have lower out-of-pocket costs"HIF A.HIF (Health Insurance Fund)
Hello again, and thank you for your reply.
We sincerely regret the negative experience you’ve encountered, but hopefully, I can help to provide some clarification below. ... Read more
When it comes to medical gaps, I'm afraid those are often driven by doctors charging patients above the legislated Medicare Benefit Schedule (MBS) fee. Essentially, for all inpatient treatments, health funds will cover 25% of the MBS fee and Medicare covers the remaining 75%. If a doctor’s fees exceed the MBS amount for a particular treatment though, that’s when you’re likely to incur an out-of-pocket expense. Our website is correct in that our Access Gap Cover program is designed to minimise out-of-pocket expenses for HIF Members - we do this by paying higher benefits (above the MBS fee, up to a certain limit) in return for doctors agreeing to participate in our program and charge our Members a lower fee. That said, providers can absolutely nominate to opt-in or out of Access Gap on a per-patient basis though, which is why we always recommend that our Members request an itemised medical estimate prior to undergoing treatment. That way, we can review the estimate in advance and provide you with an accurate benefit estimate in return, detailing any potential gap expenses to ensure you’re fully informed. This process then also allows you the opportunity to select a different surgeon that will. A list of participating doctors across Australia can be found on our website here - www.hif.com.au/accessgap - so it’s always worth checking if you ever need treatment in the future. Once again, I’m really sorry for any frustration caused on this occasion, but if you have further questions or concerns though, please don’t hesitate to contact me directly on [email protected]. Warmest regards, Molly HIF Digital Marketing ManagerSimilar opinion? Write a review on ieatwords.com.au!
MichaelPerth, WA
Excellent Service
I have been with HIF for almost 6 years now and have always been extremely happy with the level of service provided. My main reason for choosing them was due to upcoming orthodontic treatment and jaw surgery. I spent some time researching different policies, with very mixed results. Some companies provided very limited information, some just issued blanket Product Disclosure Statements with little or no specific guidance, and one just point blank refused to insure me based on the fact that it was a pre-existing condition. HIF, however, attentiv...Read more
ely responded to all of my emails and calls and produced itemised quotes based on the treatment plan. It was an obvious choice. Fast forward a number of years and having completed my treatment plan, I am extremely happy with the level of service I have received. Jaw surgery can be a fairly daunting experience but knowing exactly what you are covered for, what benefits you will receive, and any out of pocket costs you may incur, takes away a lot of the stress beforehand. HIF's support in this regard was excellent and certain costs such as hospital and anaesthetist costs are covered without the patient having to do anything. Post treatment, claims were processed quickly and easily. Overall, a very positive experience with HIF.1 comment
HIF A.HIF (Health Insurance Fund)
Hi Michael,
What a wonderful review to receive, thank you so much for taking the time to share this fantastic feedback. We love hearing from loyal HIF Members like yourself, so I'm thrilled to hear ... Read more
you had such a positive joining and claims experience.Similar opinion? Write a review on ieatwords.com.au!
Rates skyrocket increase by nearly 9% every yr rather than the national average of 2.9%
Been with HIF for 5 yrs but after 5 yrs of crazy price rises, its time to do some serious shopping around. I've barely used the policy other than dental and a day-patient procedure. Now have had a message that they are no longer covering day procedures. The over $12K I've given them in those 5 yrs could be sitting in a bank acct to cover my medical bills. I think families and couples get better discounts (according to feedback from friends) - but singles you pay through the roof!
1 comment
HIF A.HIF (Health Insurance Fund)
Hello,
Thanks for getting in touch. I'm really sorry to hear you feel that way but we do appreciate your feedback. So I can look into this for you, please can you email your HIF Member number and dat... Read more
e of birth to me on [email protected] ? That way I can help to provide more context around any premium increases (past and present).Similar opinion? Write a review on ieatwords.com.au!
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HarjitWestern Australia
- 7 reviews
Issue Resolved
HIF Resolved the genuine issue raised by myself promptly. Mistake has been fixed and the policy document has been changed as per the HIF staff conversation with me. I am happy with the outcome.
5 comments
HIF A.HIF (Health Insurance Fund)
Hello Harrys,
Thank you for providing this feedback. ... Read more
I'm sorry to hear that you're unhappy with the cover and service we provided to your mother, and I'd like to investigate this further if I may. In order for me to do so, please can you email your mother's HIF Member number and date of birth to me on [email protected]. Once I have that information, I can review the case notes on her policy, including those relating to the $50 joining reward you mentioned. In the meantime, please note that all waiting periods for our Overseas Visitors Cover policies are clearly stated on page 6 of our Product Disclosure Statement, as well as on each product factsheet (all available from www.hif.com.au/factsheets and www.hif.com.au/overseaspds). These are as follows: - 2 months for psychiatric, rehabilitation or palliative care (regardless of whether or not the condition is pre-existing) - 12 months for all treatment related to a pre-existing condition - 12 months for all obstetric related services Essentially, this means that if your mother had arrived in Australia in good health but fell ill within 2 months and required treatment, she would've absolutely been covered on her HIF policy as long as the treatment didn't relate to a pre-existing condition. If you received misinformation about that from an HIF team member though, please let me know so I can ensure additional clarification is provided to staff as part of our ongoing training programs. A 2-month waiting period does apply to general hospitalisations on our domestic Hospital Cover options, but your mother wouldn't have been affected by this due to being on Overseas Visitors Cover. Regarding your comment about cancelling within 2 months, a minimum policy term of 2 months does apply to our Overseas Visitors Cover but that simply refers to the period that a Member must be paid beyond before any monies can be refunded for cancellation purposes (e.g. if you paid for 3 months upfront but cancelled after the first month, well retain the premiums paid for the first 2 months but refund the third month - this is to cover the associated administration costs). For reference, the 2-month minimum term is also detailed in both our Overseas Visitors Cover PDS and product factsheets. I hope that helps to provide some additional context, Harrys; but if you have more questions please let me know. I look forward to speaking further with you on email. Kind regards, Lisa (Digital Marketing Consultant).Hi Lisa,
I have responded to you by email with all the details and conversations i had with HIF about general Hospitalisation 2 months waiting period for OHVC. Thanks
HIF A.HIF (Health Insurance Fund)
Hi Harrys, many thanks for getting back to us so quickly. We've reviewed the info you provided, and my colleague Sharon tried to contact you this morning to resolve the concerns you raised. Please che... Read more
ck your email for an update, then let her know a convenient time to chat? Thanks again, Lisa.Similar opinion? Write a review on ieatwords.com.au!
KazzaPerth
- 2 reviews
- Verified customer
Worst health care
Policy is misleading and frankly a complete wrought.
Seemed that whatever we needed cover for, it wasnt covered. Also signed up specifically for Ambulance cover and am told we dont have it. When I asked for the original quotes and voice recordings (which is what they told me they were getting to verify I never asked for ambulance) they dont have them (convenient) and requested I send the info to them!
I somehow went from a gold plan (card says gold, app says bronze) to a bronze plan, not that it matters because anything you need covered, well it isnt.
Looking at replacements have only found one other that tries to sting you an extras cost for ambulance.
They cover stuff medicare covers, they are a total waste of money
1 comment
HIF A.HIF (Health Insurance Fund)
Hello Kazza, and thank you for this feedback.
I'd really like to investigate the interaction you mentioned here further, so would you mind emailing your full name and HIF Member number to [email protected] please? ... Read more
As soon as I have this information, I'll then be able to speak with our Member Experience Manager to review this for you. Kind regards, Lisa (Digital Marketing Consultant).Similar opinion? Write a review on ieatwords.com.au!
RenRichmond-Tweed, NSW
Poor customer service, lapsed my policy under misleading information.
Been with the company since 23/01/2015 - due to 2 months of missed payments, they decided to lapse my policy, tell me it was because a credit card direct debit dishonored which i never used since 2016. Sent me an email in August that went in my junk as it was from "hello" after June and July 2022 installments were not paid due to direct debit not working. Due to me receiving my annual statement after June 2022 as payments made for the full 365 days, i thought everything was ok. They still lapsed my policy, i never received an overdue notice, so...Read more
thought they would just take the payments on the third attempt and catch up to August 2022 installments. In September after i had finalised my tax with the ATO using the statement HIF mailed me in July 2022. They then sent another letter in September 2022 telling me i would have to amend my tax due to them sending me the wrong statement. How hard is it for someone to pick up the phone and say the direct debits have failed for the last two months, would you happy to make a payment now to catch up and reinstate your installments. Once i went searching in my emails for the one in junk i had received. I was willing to make a catch up to October 2022 this year payment of $1500.00 and they hid behind because it went over 60 days we can not reinstate. So i have lost my loyalty to a company which i intended to be with for the lifetime of health insurance since i was pregnant with my first child. Due to the bitter taste left in my mouth, i have decided never to have health insurance again as this was my first experience and as i work in the insurance industry i am appalled by the lack of followup for customer service. I would have even been happy to receive a letter of demand from a legal provider telling me to catch up. I have lost now rolling over to a 5 year health insurance policy and i'm just so upset with the whole outcome. As i was never unwilling to pay and never missed a payment in the last 4 years.2 comments
HIF A.HIF (Health Insurance Fund)
Hello Ren,
Thank you for taking the time to submit this review, and please accept my sincerest apologies for your recent experience. We’ve clearly let you down and that’s especially disappointing be... Read more
cause we pride ourselves on providing great Member service at all times.HIF A.HIF (Health Insurance Fund)
Hi Ren,
We've been trying to contact you regarding your query, would it be possible for you to contact me directly as I have an update for you?... Read more
Warm regards, Lisa (Digital Marketing Consultant)Similar opinion? Write a review on ieatwords.com.au!
Sales manager13Cairns
- 6 reviews
Poor communication, useless web site
Still waiting for a $150 gift card, now 7 months.
The new web site is a total disaster, insufficient information regarding my policy.
You now have to phone to get your remaining extras amounts, this entails a very long wait for you call to be answered.
WA is not that far from Qld but it could be on the other side of the World when dealing with this company.
1 comment
HIF A.HIF (Health Insurance Fund)
Hello, and thanks for this feedback.
I’m really sorry that you feel we’re letting you down at the moment, but I’ll do my best to resolve this for you ASAP.... Read more
Firstly, I’m keen to investigate what’s happened to your $150 cash card, as new Members should expect to receive those approximately 6 weeks after joining us. To allow me to look into this for you, please can you email your full name and Member number to [email protected] and I’ll follow this up as a matter of priority. Regarding our new Online Member Centre, that only went live last Thursday so any other feedback you can offer would be much appreciated! You can email all feedback and suggestions for future improvements to [email protected]. In the meantime though, I just wanted to clarify that the ability to view your remaining Extras limits has never been available online. That’s something we’re working hard to fix though, and I’ll personally ensure that I touch base with you in the future once that feature is available. Finally, I’m sorry that you encountered a longer-than-expected wait time on the phone recently. I’ve just checked our current call waiting times though, and right now it’s two minutes - so you must have caught us on a particularly busy day! If you’d ever like me to arrange for us to call you in the future instead, to action requests or other queries, please don’t hesitate to email me on the address provided above and I’ll be happy to help. Warm regards, Nikki Atack Marketing ManagerSimilar opinion? Write a review on ieatwords.com.au!
TristanMelbourne
- 10 reviews
- Verified customer
Excellent value and coverage for the price until I claimed for crutches!
I had ankle surgery and the benefits were excellent.
The gold insurance pays for virtually all of my health needs with very little gaps.
Claims paid without drama.
I almost never need to call the company.
Then I submitted my claim for $60 crutches. Not only did HIF argue with me for two hours they finally paid the $60 after ombudsman referral.
...Read more
9 comments
HIF A.HIF (Health Insurance Fund)
Hi Tristan,
That’s wonderful to hear, thank you very much for taking the time to leave such a fantastic review. ... Read more
Our Members are our number one priority, so I’m thrilled to hear you’ve had such a positive claiming experience. I hope you’re recovering well from your surgery, and if you ever have membership queries or need assistance in the future please don't hesitate to get in touch. You can contact me any time on [email protected]. Warmest regards, Lisa (Digital Marketing Consultant)I've updated the review after recent events
HIF A.HIF (Health Insurance Fund)
Hi Tristan,
Thank you for the recent update to your review, although I’m sorry to hear you felt disappointed on this occasion. ... Read more
Please rest assured that we’ve taken your feedback onboard; and to resolve any future confusion about the benefits payable on take-home equipment, appliances or items, we’ve updated the applicable paragraph on page 8 of our Health Cover guide. Thanks again for your input on this Tristan, and please remember that you can always email me direct on [email protected] if you ever have other questions or need assistance in the future. Warm regards, Lisa (Digital Marketing Consultant)Similar opinion? Write a review on ieatwords.com.au!
AnjuSydney, NSW
- 4 reviews
- 8 likes
It is a big scam
I took a HIF policy with their promise of $150 FPOS card. Please look out for this as this is a big scam. It has been 3.5 months and the card hasn't reached me yet. I have called them atleast 4 times already. The 1st call they told me that it will only be dispatched after 3 months of holding the policy. Then I called them again on 12th June they said it will be dispatched on the 14th, and today is 19th and i haven't still received it. It is a big big scam. Don't get a policy wit HIF
3 comments
HIF A.HIF (Health Insurance Fund)
Hi Anju,
I’m very sorry you feel we’ve let you down on this occasion. Our gift card rewards are usually mailed out in weekly batches, so I sincerely apologise if yours hasn’t arrived on time as promised.... Read more
To enable me to investigate the status of your outstanding $150 reward, please can you email your full name and HIF Member number to me on [email protected]. Once I have those details, I’ll follow this up for you as a matter of priority. Kind regards, LisaMembership no is 166398
HIF A.HIF (Health Insurance Fund)
Hi Anju,
Thank you for providing your Member number and I’m sorry for the delayed response. Unfortunately, we didn’t receive a notification of this comment. I’ve just followed this up for you and ha... Read more
ve been advised that you’ve since spoken to one of my colleagues and your $150 voucher has now been sent as per the promotional terms and conditions available here – www.hif.com.au/promotions).Similar opinion? Write a review on ieatwords.com.au!
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AntsSydney, NSW
- 3 reviews
- 4 likes
Time to switch
Recently received notice from HIF that my Goldstarter hospital cover will be changed to Bronze Plus starter hospital ( because of the reforms).
Letter mentioned how great the new cover will be and listed the cover inclusions/exclusions however what HIF FAILED to mention is that AMBULANCE COVER will no longer be offered under their hospital policies. I'm a NSW resident, so being informed that ambulance cover will not be available is important to know.
I think HIF is seriously in breach of product disclosure/changes and I will be escalating this matter to the Industry ombudsman.
3 comments
HIF A.HIF (Health Insurance Fund)
Hello Ants,
Thanks for taking the time to share this review. ... Read more
Please rest assured though, that under NSW law, you’re automatically covered for emergency ambulance services by your state government if you have Private Health Insurance Hospital Cover. The same goes for residents of the ACT, while other rules apply to WA, SA, Vic, Tas, Qld and the NT. To find out more about that, please see page 15 in our PDS (available from www.hif.com.au/guide) or visit the NSW government resource here: http://www.ambulance.nsw.gov.au/media/docs/Billing_FAQ_NSW_update28062016-d9d8c655-790a-4827-a9e1-09776ff0e449-0.pdf For non-emergency ambulance transport however, it’s important to understand that we’ve never covered that on our Hospital Cover options. Instead, HIF pays benefits on emergency and non-emergency ambulance services through our Extras Covers instead. Here is the information that we’ve provided in our PDS for many years now: “Ambulance cover is not included in any of our Hospital policies; however, under New South Wales and Australian Capital Territory legislation, we’re obliged to contribute toward the cost of operating state or territory-provided emergency ambulance services on behalf of anyone with HIF Hospital cover who is a permanent state or territory resident. Residents of NSW or the ACT with HIF Hospital cover simply submit their emergency ambulance invoice (from their resident state or territory emergency ambulance service) to us and we’ll finalise the invoice with the relevant service provider).” As such, I can confirm that ambulance cover hasn’t been specifically removed from your new Bronze Plus Starter Hospital cover, because it was never included on any HIF Hospital Cover options to start with. Instead, HIF Members in NSW & ACT automatically qualify for ambulance benefits in accordance with their state/territory laws, which we adhere to at all times. I hope this helps to ease your concerns Ants, but if you’d like to discuss this further I’d be happy to put you in touch with our Member Experience Manager. To request a call-back, please email your membership details to me on [email protected]. Best regards, Kelsey Donnelly (Digital Marketing Team Leader)I'm aware that I was covered for Emergency ambulance only on my Goldstarter policy. This was confirmed as included by HIF when I took up the policy and it's also listed on the PHI Standard info sheet.... Read more
You state that emergency ambulance is still available on all your hospital covers (under state legislation) but on your website just the EXTRA's policies have this listed available.HIF A.HIF (Health Insurance Fund)
I’m really sorry that you feel we’re not being transparent with our Hospital Covers, Ants. That certainly wasn’t our intention.
Please rest assured that we’ve taken your feedback onboard though; and... Read more
to resolve any future concerns about this, I’ve just added a whole new section on ambulance entitlements below our Hospital Cover comparison table here: www.hif.com.au/hospitalSimilar opinion? Write a review on ieatwords.com.au!
Rachel LeePerth, WA
HIF rocks ! Especially Carly !
Spoke to Carly regarding claiming online as the app wasnt playing ball.
She has gone above and beyond exceeding expectations after I have had issues with my card at my naturopath visits.
This lady is truly an asset to your awesome company. I wish I switched from HBF a lot earlier.
Thank you !!!!
1 comment
HIF A.HIF (Health Insurance Fund)
Hello Rachel,
Nikki here, Carly's Manager. Thank you so much for taking the time to share this fantastic feedback! Carly is indeed an asset to HIF, and it's terrific to hear that sentiment echoed from a Member's perspective.... Read more
Rachel, I'm delighted to hear that you've had a great experience with HIF so far! If our team can ever be of further assistance, now or in the future, please don't hesitate to email us on [email protected]. Thanks and warm regards, Nikki Atack.Similar opinion? Write a review on ieatwords.com.au!
LPE
- 2 reviews
- 4 likes
Ok, but the quality is going down year after year
Hi, Been with HIF for a few years now (I think close to about 6+ years), and didnt have any real issues.. While hospital cover was good, the extras was not. Anyway, kept increasing the premiums, so decided to shift to another provider who was cheaper with better coverage! Feel the service and coverage is going down.. they started discontinuing a few products and the service is not as good as it used to be.
I will be shifting shortly.. HIF - life your game or you will start loosing customers (like me, for example, who have been with you and loyal..)..
Cheers.
1 comment
HIF A.HIF (Health Insurance Fund)
Hi LPE,
Thank you for providing this feedback. We pride ourselves on delivery high quality Member service, so I’m sorry to hear that we’ve let you down on this occasion. ... Read more
I’d love to investigate this further and try and make this right for you; so if you’d be comfortable having a chat by phone or email, please send your membership details to [email protected] and I’ll personally follow this up for you. Warmest regards Carly Stewart (Digital Marketing Consultant)Similar opinion? Write a review on ieatwords.com.au!
FifiPerth, WA
Unexplained rise for pregnancy cover
We took this cover two years ago as we were planning for a future pregnancy and were aware of the 12 month wait. We looked online until we found the HIF Goldsaver cover, which was perfect and good value if all you wanted was pregnancy and none of the other medical policies that you never end up using.
We got a letter from HIF yesterday advising that under new government laws, our current cover will be terminated and in order to keep our pregnancy policy, we had to swap to a Gold hospital cover, which is $500 more a year!!!!!
This raise is unr...Read more
1 comment
HIF A.HIF (Health Insurance Fund)
Hi Fifi,
I’m really sorry you feel that way but we do appreciate your feedback, and hopefully I can help to provide more context around our policy changes and premium increase.... Read more
I do sincerely apologise for the inconvenience we've caused you by terminating our GoldSaver Hospital policy from April 1. Extensive analysis determined that it was necessary to do so though, as claims on GoldSaver were significantly exceeding the premiums charged, so our other Members were having to subsidise those claims through their own premiums. To make this cover viable, the premium increase would've been so significant that we didn’t believe it would be fair to affected Members, as it would essentially become the same price as the next level of cover up anyway (but with less inclusions). In itself though, the next level up - Gold Hospital - is one of the best priced cover options in the market right now. It covers every single clinical category on a shared-room basis (plus thousands of other treatments too - essentially anything that has a Medicare item number attached) and there's always the option to pay a small fee to the hospital to upgrade to a private room at any time. For maternity stays though, Gold Hospital covers five nights in a private room as standard (on GoldSaver it was three nights). We also win Canstar awards every year for Gold Hospital, which hopefully reiterates why it may still be a great option for you to consider. Oh, and the excess on Gold Hospital is also optional – so you can choose to apply a $400, $200 or $100 excess to reduce your premium, or opt for no excess instead. If you do apply an excess to Gold Hospital, it’s once payable once per-person per-year and only on overnight admissions, whereas on GoldSaver it was payable on day stays too. In terms of waiting periods, please rest assured as you’ve already served your waiting period for maternity this would certainly be recognised by other health insurers if you did want to switch and if you’re currently pregnant this would still be covered on your current HIF policy without you having to upgrade. For your peace of mind though, I'd like to arrange for a Consultant from our Member Services Team to contact you to confirm everything you need to know over the phone. With this in mind, please can you confirm your Member number, contact details and a convenient time to talk and I’ll ensure they get in touch. I hope this helps to ease your concerns anyway Fifi, but please don’t hesitate to get in touch if I can be of further assistance. You can contact me anytime on [email protected] Kind regards, Kelsey Donnelly (Digital Marketing Team Leader)Similar opinion? Write a review on ieatwords.com.au!
A joke - be warned!
Just over 2 years, nothing like it was presented, the result of a couple of claims was dismal beware of this scamming mob
1 comment
HIF A.HIF (Health Insurance Fund)
Hello Sam,
Thank you for providing this feedback and please accept my sincerest apologies any disappointment caused. We pride ourselves on delivering excellent customer service, so this is certain... Read more
ly not how we want our members to feel. If I may, I'd like to investigate your recent interactions further. Please can you email your HIF member number to [email protected], so I can review your membership in detail and escalate this to our Member Services Manager for review as soon as possible?Similar opinion? Write a review on ieatwords.com.au!
Questions & Answers
glenvilleasked
I am currently a member of HIF on Goldstar basic. I suffer from sleep apnea. If I buy a Cpap Machine, can I claim something from the fund? [email protected]. Thank you.
2 answers
HIF A.HIF (Health Insurance Fund)
Hello Glenville,
Thanks for your question. We certainly do pay a rebate on CPAP machines however it’s included on our Super or Premium Options Extras Covers (not Hospital cover) within the External Prosthesis / Medical Appliance category. Here's a quick overview of what can be claimed:
One machine can be claimed every 5 years from the previous supply (per person) and the benefit will be deducted from the Prosthesis annual limit of $1,500. The benefits payable are:
$300 for Members who've held Super or Premium Options for 3-5 years.
$600 for Members who've held Super or Premium Options for 5+ years.
It’s important to note though, that a 3-year waiting period would apply for this service should you wish to add Extras cover to your existing hospital cover. I hope this helps, however, if you have any further questions, or would like to speak with one of our Product Experts, feel free to email me directly at [email protected] and I can arrange this for you.
Take care, Lisa.
Thanks, i also rang and found out same info.
Tina R.asked
Can I claim for a back support brace from HIF
1 answer
HIF A.HIF (Health Insurance Fund)
Hi Tina, thanks for getting in touch. If you’re an HIF Member and hold Super or Premium Options Extras Cover you will be eligible to claim a rebate for a back support brace under your prosthesis benefits. To do so, we’d simply need a letter of recommendation from your treating practitioner (along with your paid invoice) and you’d also need to have served the applicable 12-month waiting period. I hope that helps, but if you have any further queries please don't hesitate to get in touch with me directly. You can reach me on [email protected]. Thanks, Molly.
Tania Bezuidenhoutasked
I am an HIF customer, I want to pay only for extras (Dental, Cardio and Eyes) what would the disadvantages be?
1 answer
HIF A.HIF (Health Insurance Fund)
Hi Tania, thanks for your question. I believe you've just spoken to my colleague Sharon who was able to answer your queries regarding your HIF Membership. If I can ever be of assistance in the future though, please don't hesitate to contact us directly on [email protected]. Thanks, Molly.
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HIF A.HIF (Health Insurance Fund)
Hello Chris,
Thank you for providing this feedback and please accept my sincerest apologies. I'd like to investigate this for you, so would you mind emailing your full name, date of birth and HIF Mem... Read more
ber number to [email protected]? That way I can review your membership in detail and escalate this to our Member Services Manager for review as soon as possible?