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I submitted a review 6 years ago, and I wanted to update this with experience-based feedback. Over the course of this time, I transitioned from Overseas Visitors Health Cover to a Domestic Plan as I got my Permanent Residency and in either plan, HIF provided the cover I needed, and successfully helped with the different procedures I went under over the years without any complaint whatsoever. I understand that dealing with insurance providers can be complicated, but I personally find doing all the necessary reading and understanding your cover is key to be satisfied with the service they offer. HIF has always made it pretty easy to keep that information easy to find and up to date. I decided to write this review as I just finished a call with a representative, who was immensely helpful at dealing with my queries, always making sure I got the best bang for buck while also offering some practical tips to ensure I never overpay where possible. Honestly, this is the kind of service expect from all providers and I can't recommend HIF enough for that. Ant (received via Product Review, October 2021)

I would just like to say “Thank You HIF!!” for taking care of me, my medical, dental, etc., etc. issues over the past 20 Years. Your support has been great. The health cover provided by HIF has always met my needs. Thank you again. Patricia (received via Email, May 2021)

I've been with HIF for years and so far everything is going well. The online claim is easy to use and the customer service is very professional. Thank you HIF and keep the wonderful service. Sarinah (received via Google Reviews, July 2020)

Hello HIF. We just rang in regards to assistance with increasing our cover and putting us on a joint account. We spoke to David and he was absolutely fantastic! He is a true asset to your team and was friendly, helpful and knowledgeable. Can you please let his team leader or supervisor aware of this? He needs to be acknowledged for being so awesome! Thank you! - Neha (received via Facebook messenger, July 2020)

I highly recommend HIF. I have had nothing but wonderful service from you and on the occasions I have needed to contact your fund, your staff have been a pleasure to deal with. Thank you! - Sandra (received via Facebook messenger, June 2020)

Just had a phone call with one of your guys to discuss a health insurance policy and the man we spoke with was outstanding. His name is Pierre and he made the entire process blissfully smooth and easy. He answered all our questions happily and maintained an extremely chirpy conversation throughout. Very very very happy! Thank you! - Rebecca (received via Facebook messenger, June 2020)

"Wow I just submitted the claims yesterday and today some of the money has been deposited back. Thank you." - Wei (see comment, received via Twitter, March 2020)

"I’m a member and so glad I’ve joined HIF." - Dore (see comment, received via Facebook, February 2020)

"I have been a member for about 36 years and I really cant complain." - Michael (see comment, received via Facebook, February 2020)

"We are with HIF as well, when we have query or claiming a bill we have always had great service with staff members. Have been with them twenty years or so." - Rose (see comment, received via Facebook, February 2020)

"HIF is fantastic and I would recommend to everyone." - Kadia (see comment, received via Facebook, February 2020)

"Have recently had two hospital stays, everything covered and paid out promptly. Not sure how long I have been with them but it must be quite a few years. Would not hesitate to refer them." - Joyce (see comment, received via Facebook, February 2020)

"We've been members since 1961. Couldn't help with birth of eldest child (arrived only a few months after becoming members), but were there for my others. Plus all problems since. Best health fund ever!!." - Robin (see comment, received via Facebook, February 2020)
"I am a very happy member, at least thirty years." - Pamela (see comment, received via Facebook, February 2020)

"I'm about to go and get dental treatment in six weeks and I know I'm covered. it's a great feeling. My sis in law and brother are looking to go with you guys." - Jan (see comment, received via Facebook, February 2020)

"You can't get a better health insurance, I have checked them all out and this company pays you the best refunds." - Ben (see review, received via Facebook, January 2020)  

"As I have said before I can't fault your service been with you for 50 years." - Francesca (see review, received via Facebook, January 2020)  

"I've been a member since the 1960's and often encourage people to join. Keep up the good work!" - Tom (see review, received via Facebook, January 2020) 

"I've been a member for 58 years, since I left school my father was a member before me, of course, it wasn't called HIF then when I ring the fund for some reason and I'm asked my membership number when I tell them, it is two numbers, there is a pregnant pause, I laugh, still the best fund as far as I am concerned" - Lynne (see review, received via Facebook, January 2020) 

"I love being an HIF member as it is the best health insurance I've signed up to in the few health funds I've tried. Value for money is the biggest winner for me and how cost effective it works out per year. I love the HIF app as it is user friendly and easy to track my previous claims. Super happy with the service and have recommended this fund to a number of family members and friends." - Amy (received via email, December 2019)

"I do a comparison every year to check on the benefits we receive for our membership fees and HIF are the most economical and applicable Fund to suit our situation.  We are very happy with our cover and the way it has been able to adjust with our lifestyle changes now that we don't have any children living at home." - Patricia (received via email, December 2019)

"Whenever claiming from HIF it has been easy to do, from providers directly. This is such a saving in time and quick process.  No going into offices or waiting around. Just done when paying bill (if any)." - Karina (received via email, December 2019)
"I have been a loyal member of HIF for many years. I joined when it began as WAGR Hospital Fund. My wife and 3 daughters and their families are also members. I thank you for having helped us all over the years." - Norman (received via email, December 2019)
"Knowing that we are members of such a brilliant WA Healthcare provider has a powerful impact on our happiness and security to help us feel safe and supported should we have an accident or any health problems. I love the professionalism shown to me over the years that I have been a member." - Rosemarie (received via email, December 2019)

"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, attentively 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 anesthetist 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." - Michael (see review, received via Product Review, December 2019) 

"I am very pleased to be a member of an award winning, low cost health insurance provider that consistently keeps premium increases to a minimum and which also actively seeks feedback from its members to enhance the services it is able to offer. HIF is extremely competitive in the extensive range of rebates it can consistently sustain in addition to rewarding members for their length of time with the fund. I am personally impressed with the rebates I have annually received for many years for both dental and optical treatment in recognition of decades of loyal membership. The regular SmartHealth Newsletter is a welcome bonus which provides pertinent information on health matters as well as supplying summaries on areas of health costing outlays. HIF personnel are courteous and friendly to converse with which helps one feel that they are truly being looked after. Keep up the great work!" - Russell (December 2019)

"Having been a member for over 25 years, I love that when I compare other funds,  mine always comes out superior. I'm proud to be a member and I love when practitioners comment in surprise as they use Hicaps on how generous my rebate is. I've also always had warm, helpful service and feel like the staff actually know me as an individual member. I love my health fund. " - Elizabeth (December 2019)

"HIF has a high standard in the customer service centre. Very polite and helpful which made me feel like i am part of the HIF family. I love how many options there are  in your packages. Perfect for a family or a single person. I love how easy your app is to claim on. One the best apps i have ever used in fact! I love that you gave us 6 months to sort our payments out when my husband was sick and off work for over 6 months. It was such a smooth transition when we were already under so much financial stress. I rate HIF as the leading health insurer and i tell all my family and friends how great you are!! Thank you HIF, Thank you." - Tegan (November 2019)

"I have been a member of HIF since I was 21 years old. I have found their customer service team excellent and helpful. I have both hospital and extras cover and have never had an issue with claims. My cover is affordable and suits my lifestyle/health needs. I enjoy getting the member newsletter. I love that HIF have always treated me as an individual and provide personalised service!" - Madeline (November 2019)

"I have been with HIF since I was 17 when it was the Railway Employees Fund and every time we needed it the service has been excellent. I have compared it to other funds and it comes up very comparable. I have also recommended it to my friends and have been rewarded for doing that." - Francesca (received via Facebook private message, September 2019)

“Always experienced fast and efficient service. Always get my questions answered quickly and professionally. Makes it hard to ever consider leaving, so I never do.” – Aleysha (see review, received via Facebook, September 2019) 

“I have never experienced anything other than superlative service from your staff, second to none.” – Sandra (see review, received via Facebook, September 2019) 

“The service and advice provided by the consultant I spoke to today was excellent! Also very little wait time for my call to be answered.” – Kate (received via Google Reviews, August 2019) 

“This review is based on customer service and wait time. I called at 4:55pm selecting the existing customer info/changes to cover option and was put through almost instantly. The info needed was provided in a friendly manner. 5 stars for zero wait time and friendly staff.” –  Brad (received via Google Reviews, August 2019) 

''Today I rang and spoke to a young man called Ryan regarding payment of my over due funds.  He works in the Perth call centre. I found him to be extremely helpful and polite. I hope that he is congratulated by a senior officer for his attitude to his job. Thank you for your understanding.'' - Sandra from WA (received via email, May 2019)

‘’I recently spoke with Wendy, a member service advisor. Wendy was so caring and professional, Wendy sent through the documentation I needed straight away and explained everything so well. So many people complain and don’t take the time for positive feedback, I really wanted to pass on what an asset you have in your team.’’ -  Kylie from NSW (received via email, April 2019)

‘’I just want to say how happy I have been with HIF. I started many years ago, when my parents said they wouldn't pay any medical costs should I incur them, so I went through all the available medical funds and as I have teeth problems I looked at the best ancillary cover and yours was the best. So I have stayed with you all these years and have been happy with what refunds I have received from you. When we had our children covered under our policy I told them if they were ever in an accident they were to say "I want to go to St John of Gods and I am with HIF"!! I am glad it never happened, but it gave us as parents a lot of comfort knowing that should this situation arise they would be looked after very well. Thanks again for your kind service over the years.’’ – Stephen from WA (received via email, April 2019)

‘’HIF have been very informative since I joined about 4 years. Until last year I had only made small basic claims. Then in August 2018 when a major claim for breast cancer surgery was made, I was totally blown away with the process of making the claim. I am so happy with the process I would never change to another provider. Thank you HIF for making my health insurance understandable and claims a breeze.’’ – Robyn from NSW (received via email, March 2019)

‘’Staff are efficient when direct contact is required, but never at the cost of courtesy; always patient with your query and friendly. HIF's cover has always suited my needs and provided much needed Extras when my late husband was still alive and constantly in and out of hospital as a suffer of serial strokes. As a result of the loyal and respectful service HIF provided all those years ago and for many years, I feel that the fund deserves my loyalty too.’’ – Lesley from WA (received via email, March 2019)

‘’I'm not just a number like the 'other' Health Funds and my premiums are not wasted on Medical Centres and Advertising. Everything is done online when it suits me to do it, the HIF Website is cute and easy to navigate, good work HIF!’’ – Kelly from QLD (received via email, March 2019)

"Just submitted my first claim on the app and it was so easy. Thank you." - Joy (received via email, March 2019)

"I love being a member as I get a lot of benefits for what I pay for. I recommend HIF to all my family members. Being a HIF member feels like a small community that gets looked after well. I feel secure knowing my pup is also insured with HIF." - Kartika from WA (received via email, March 2019)

"Everything is so easy with hif! I love it that when i phone hif a real person answers the phone and every operator I have dealt with has been incredibly helpful. I am about to have bub #2 using hif and cant recommend them enough to anyone looking at getting or changing health providers. Hif even sent us a present following the birth of our 1st child - amazing!" - Chantelle from Qld (received via email, March 2019)

"HIF has always been there for me when I needed them - whether it was to make a claim, go to the hospital or take my dog to the vet and pay the expensive vet bill. The superb customer service team goes above and beyond to try and assist me whenever I ring them with a query. I love being a HIF member and always recommend them to anyone looking to either change insurances or start up with one." Sianaed from WA (received via email, March 2019)

"Really wowed by your customer service. You went above and beyond for me today. Thank you!" - Miriam (see review, received via Twitter, November 2018)

"I am stunned to hear the claim has already been processed, approved and paid out all whilst I was at the gym. Please pass along to everyone involved in the process of approving and paying the claim (yourself included) that I've been blessed yet again with outstanding customer service. HIF always goes above and beyond and not only am I very impressed but very grateful as well." - Shirley (received via Facebook, September 2018)

"Our family is with a non-profit fund HIF and we love it. They pay for everything (often even when they don't have to) we have no out of pocket fees with them and they're cheap and a delight to talk to their helpful staff. Wouldn't be without them.

I signed up myself and my elderly mum (who has been using the cover the most) a few years ago after a lot of research comparing the government data for each fund and HIF stood out in all categories and had agreements with all hospitals in our area. Cost was the last factor I considered but it was a great relief to find your fund was also one of the cheapest. I review and compare our policies regularly (mostly when all funds increase fees in April) and HIF continues to offer us the best value for money from what I can see.  Of course none of that would matter if my mum wasn't receiving great treatment from some of the best private doctors I could find (mostly at Wesley Hospital) with the comfort of knowing she can be admitted there with mostly no out of pocket expenses and fantastic support from HIF.

Example: she was discharged overnight from a public hospital after an acute coronary syndrome (blood clots in her legs moved to lungs?) but felt really unwell and her GP sent her back to hospital (Wesley private) by ambulance the next morning where she spent eight days. She was cared for by her private cardiologist team (three different cardiology subspecialists) who would go and check on her hospital progress daily since their offices are also at Wesley. You can't overestimate the value of doctors who know you also treating you at bedside. She was only discharged after a cause of these blood clots was found (hereditary mutation predisposing her to blood clots). She was put on blood thinning medication and after an observation period was discharged with compression stockings for legs to help her mild heart failure.

We were pleasantly surprised to have no out of pocket expenses at all (specialist visits, blood tests, scans, etc) all covered partly by Medicare and the rest by HIF. There was a couple hundred dollars for some test which somehow wasn't processed automatically. I was told we could send the bill for the two hundred dollars or so for the test to Medicare (and do all the paperwork) or we could just send it to HIF, have you process it, and get a refund directly into the same bank account from which our insurance premiums get paid.

I think sending a photo of the bill through the HIF app was also an option (or something like that). The point being that I cannot speak highly enough of HIF. They offer the absolute best value for money, have virtually no out of pocket expenses, and staff are polite and helpful. Plus we had other experiences with HIF all of which extremely positive (staff even appear genuinely emphatic and sympathetic). Just a couple of weeks ago mum had to have a slow iron infusion which had to be done in-hospital, day treatment centre. Same fantastic service no fees.

I just want to encourage people to try HIF because I really believe that it is one of the first health insurance company any prospective buyer should consider (perhaps with one or two other not for profit companies, but for us HIF is by far the best, based not just on features and value but based on our personal experiences too). Plus I have a background in risk management and know that a large customer base is good not just for you as a company but also for me as a customer. But for me it's really more about showing my appreciation for all the help we have received from HIF. "  - Chris (see review, received via Twitter, August 2018)

 

"I am in process of changing from HCF - who are non responsive and indifferent to my queries (email and tel) to HIF who have the most incredible service - is it too good to be true? Time will tell though I give them 10/10 for intro - I have the name and direct line to consultant and I feel like a valued customer - pinch me - highly recommend (it was my dentist that prompted me to change)." - Chris (see review, received via Facebook, May 2018)

"Good afternoon. I've recently joined HIF. I had a dental examination and clean and was only out of pocket $32. Very impressed. Alot more than my previous fund." - Sandra (received via email, May 2018)

"Good Morning. I would love to provide some feedback regarding my experience so far using my family Extras cover. My husband has been to the physio once so far and the gap was only $25! We both went to Specsavers  and the gap for our two pairs of glasses was $0 for both of us! I must say, we're very happy!" - Angela (received via email, May 2018)

"As a new member with HIF the customer service has been fantastic. A big thank you to Chad and David for sorting out the problem with our previous provider nib. 10 out of 10 for service. Thank you" - Carlene (see review, received via ProductReview.com.au, April 2018)

"Back in January this year, we received an ambulance bill, for one of the kids, I was panicking about how we would pay this amount and my partner suggested contacting HIF to see if it was covered and it was!! Such a big relief, process was explained, forms posted to us, very straight forward process. Very pleased and am happy to be supporting a WA NFP business." - LMm (see review, received via ProductReview.com.au, March 2018)

"I've held private health insurance for 25+ years. Mid last year, I fell on hard times so I suspended my cover for six weeks. When I recommenced I was on a new policy and had to wait for pre-existing conditions to be served, which I was completely unaware of. My hospital procedure was scheduled for the next day and was refused based on this information. I wish to take this moment to thank HIF for going beyond the extra mile to help me out. We were able to come to an arrangement and I believe HIF came up with an agreeable solution that looks after their and my requirements. Without a doubt HIF is the best health insurance company and they really do care - that is what sets them apart from the rest. Thank you HIF from the bottom of my heart. I appreciate everything you did to help me." - Tammy (see review, received via Facebook, March 2018). 

"We are delighted with the level of offerings, service and support that HIF gave before, during and after my husband's double knee replacement. So much better than our previous insurer." - KBorgelt (see review, received via ProductReview.com.au, March 2018)

"THANK YOU HIF. After many healthy years, in December 2018 I had a Colonoscopy and a cancerous polyp was found. I was operated on the next week in a private hospital and instead of the usual 7 days expected stay in hospital I was there for 27 days because of complications. HIF have been greatly supportive with all the accounts at this time and this has been most appreciated. Over the years I have been one feeling we have not had value from our very long membership of HIF. After this unexpected diagnosis and subsequent operation and long stay in hospital I suggest most who can afford private insurance should seriously think about joining. In the blink of an eye everything can change." - Lynn (see review, received via ProductReview.com.au, March 2018)

"Thank you also for continuing to rail against preferred providers. I find your continued conduct most ethical." - Emma (see review, received via Facebook, March 2018) 

"One of the “benefits” of belonging to a not for profit organisation... thanks for the reassurance HIF!" - Ginny (see review, received via Facebook, March 2018)

"I love HIF, they are so easy to use when you need to make a claim. Thank you HIF for making it a great Health Fund in WA" - Kadia (see review, received via Facebook, March 2018)

"By far the best health fund we have ever been with!!! Thanks HIF" - Roxanne (see review, received via Facebook, March 2018)

"Spoke to a lovely lady named Lisa moments ago and moving my policy from Aus Unity to HIF, I'm amazed at the difference of options available and I'm paying less and getting more with HIF." - Dale (see review, received via Facebook, February 2018)

"You can't beat HIF - so you better join them. Amazing health fund." - Annette (see review, received via Facebook, February 2018)

"I have been with HIF over 40 years and they are the best. The ancillary cover is excellent." - Jenni (see review, received via Facebook, October 2017)

"I was born in 1954, the same year that HIF (or West Australian Government Railways employees Hospital & Medical Fund) as it was first known was started. I've been a member from birth to now 63 years without a break in membership." - Annette (see review, received via Facebook, October 2017)

"We have been happy with HIF for 44 years! It will be great to not have to pay for maternity cover though! Look forward to the changes and hopefully it will benefit Seniors." - Judy (see review, received via Facebook, October 2017)

"Of course you win awards... that's helped me remain a loyal member since I joined in 1966. Best health insurance around. When it's time to renew your insurance check them out before you do. You won't be sorry!" - Arthur (see review, received via Facebook, October 2017)

"Well done HIF, I've been in this fund for 42 years". - Mary (see review, received via Facebook, October 2017)

"Fantastic customer service. Would not hesitate to recommend to friends and family." – Wayne (received via Google Reviews, September 2017)

"Been with them since I was a kid in Kalgoorlie, best value Health Insurer c/w HBF, Medibank etc" – Aldo (received via Google Reviews, September 2017)

"Helpful, timely and friendly service from Carol on the phone. Thank you." – Richard (received via Google Reviews, August 2017)

"Good value, much better than for profit competitors." – Johnson (received via Google Reviews, August 2017)

"Working in the health industry I highly recommend HIF. I am with them and have put many of our patients in touch with them. They're very happy with their rebates ... compared to their previous funds ... not to mention their excellent service." - Ali (see review, received via Facebook, August 2017)

"Currently a human customer, will be following up pet insurance in the hopes of the same great service." - Kieran (see review, received via Facebook, July 2017) 

"I must say after being with Medibank, BUPA and HCF in the past, I'm SO happy I found HIF! Even my physio was impressed with the amount I recieved back at my last appointment." - Emily (received via Facebook private messenger, July 2017) 

"Just a bit of feedback – after visiting dentists and optometrists recently, I wished I switched to HIF ages ago – very happy with my HIF rebate!" - Karen (received via email, July2017)

"My husband and I transferred to hif from one of the major health funds due to massive price increases every year. We find hif to be very competitively priced and we like that it is a member's own fund, not a for-profit fund. When I have called, I have found my calls to be answered quite quickly. Lodging an extras claim through the app takes a few weeks to be paid, but I don't find that to be a major issue. I love that I can claim through an app....previous health fund did not even have this capability! Had to post it in or go to a branch. Very happy and have already recommended hif to a friend who joined up." - Di (see review - received via ProductReview.com.au, July 2017)

"I rarely write reviews about things but felt the need to write a positive one about HIF. After being fed up with the lack of value I was getting from BUPA and the increasing restrictions of which health providers I could see, I contacted a third party health insurance reviewer and whilst reluctant to go through the process, I am actually glad the operator found HIF for me. I have had no issues with HIF since signing up, all my waiting periods were matched and I have received more value from HIF than I would have ever done with my previous fund. There are rarely any 'preferred' providers which allows me to choose which health professionals I would like to see. I have only ever once had to call customer support and whilst there was a long wait via telephone (I rang late on a Friday afternoon!), I eventually ended up emailing their team and got a prompt response. My disclaimer is that for the specific extras I use and because I do not need extensive hospital cover, I have only good things to say about HIF. Their claiming system is extremely easy and rebates get deposited electronically within a few days. Admittedly the increase in premiums for the upcoming year were a bit steep but I have chosen to prepay for the next few months which saves me some money. Whilst still happy with HIF, I do research regularly as to what other health funds are offering and I am yet to find a better policy for my life circumstances at this point in time." - fmyt (see review - received via ProductReview.com.au, March 2017)

"Hope this is helpful to some people.... I have found that HIF have always been SUPER helpful and followed through with answering my queries and getting back to me over the phone and via email despite the fact I do not dwell in WA. I was with HBA (come BUPA) for 30+ years but found them expensive given my level of coverage, not to mention their lack of assistance in general and terribly long waiting times on the phone during non-peak times of the year. I like that they are a non-profit organisation, and my dentist advised me that my rebate was the most she has seen from any health insurer." - Jo (see review - received via Google Reviews, March 2017)

"Excellent value, easy to set up, unbeatable Customer Support. Would highly recommend HIF. Was recommended to us by a third party Health Insurance reviewer and moved across after almost 15 yrs with another provider. Claim submitted and paid seamlessly. Customer service second to none (after a considerable wait but first thing consultant did was apologise for the wait). Overall, extremely professional." - MrsTB (see review - received via ProductReview.com.au, March 2017)

"They are extremely helpful and the phone operators are able to answer even difficult policy questions. Easy to meet a representative in person and knowledgeable staff." - Hamish (see review - received via Google Reviews, February 2017)

"HIF are still the best VALUE and service health fund in Australia in my opinion. I don't like to haggle with different options if it means I'm covered with no issues when I need to be." - Russell (see review - received via Facebook, January 2017)

"Hi, I just wanted to leave a quick message to say how happy I am with HIF! I was with HBF for 10 years and since moving over to HIF, my husband and I couldn't be happier." - Monique (see review - received via Facebook, January 2017)

"How lovely to receive a gift after the birth of our child from our health fund. Such a brilliant idea and a definite way to make us feel valued. Thank you HIF! We appreciate it!" - Caitlin (see review - received via Facebook, November 2016)

"Hi HIF. We've been members for some years and only recently we had to make a rather large claim due to some major dental work our daughter needed. I had originally submitted the claim via email but couldn't claim that way due to the size.  Your claims examiner Julie called to let me know and I noted that we were trying to get the refund back ASAP to meet credit card deadlines. I asked if I could drop it in to HIF's head office to speed it up and she said to ask for her at drop off and she would process it immediately. I wanted to let her know that it was very much appreciated. Insurance is only as good as the claims service and she has certainly gone above and beyond. Thanks again for your understanding and support." - CH (received via Facebook private message, October 2016)

"Hi, I just wanted to let you know that I recently bought Hospital and Extras cover from you guys for my family. I wanted to bring to your attention the wonderful service I received from Shamus in your call centre. I have always been reluctant to get insurance, and even more so to do it over the phone (rather than online). But he was friendly, likable and helpful. He never sniggered at my stupid questions and was wonderful to deal with. I have already recommended HIF to a few people and told them specifically to ask for Shamus! He definitely deserves some recognition. Thank you for taking the time to read this message." - Sarah (received via Facebook private message, October 2016)

"Had to purchase some new glasses yesterday and didn't have my membership card on me. The optometrist told me that it would be alright because I could just take the receipt in and get my rebate. He was a little shocked when I told him that "I will just claim it on the app" and showed him how easy it was to do. This afternoon however I was the one shocked when the money came back into my account less than 24 hours after submitting the claim, just in time for the weekend! I was also only $40 out of pocket for 2 pairs. Great service yet again from the HIF team." - Michael (see review - received via Facebook, September 2016)

"I spent about three weeks researching all the different health insurance funds trying to find what was best for me and HIF had by far the easiest website to navigate in terms of picking exactly what I wanted and seeing what I was getting, which was my number one reason for picking them. The fact that they were also the most competitive in terms of price for my level of cover was icing on the cake. The sign up process was a breeze, the customer service so far has been excellent, and the blog on their site has some great articles." - Whitney (see review - received via ProductReview.com.au, August 2016)

"Holy heck! Thank you so much HIF. These will be treasured. Thanks for running your competitions. And thanks for providing us with the best private health insurance we've ever had for our family." - Erica (see review - received via Facebook, July 2016)

Hello, I just want to say a big "thank you" to the HIF team and supervisor Gabrielle who sorted out my concerns and questions about membership upgrade. I rang yesterday to inquire about upgrading to a higher level and got some information. This morning I rang up to upgrade my cover, was told something different :-/ About 15 minutes after I hung up, Gabrielle rang me on my mobile phone to apologise for the correct then incorrect information her team members had given, explained the process involved about cover upgrades, confirmed my new cover status and everything. Thanks so much!!! I really appreciate the additional action taken by HIF when there was conflicting information given. You've made me felt so good, giving that reassurance and confirmation in such a short timeframe is excellence customer service. No wonder I haven't looked back since I switched from Medibank to you in 2013. Keep up the great work! Thanks again." - Susan (see review - received via Facebook, June 2016)

"Hi there HIF. I just called your call and have some feedback. I felt a little awkward calling because I wanted to add my partner to my membership (same sex couple) and wasn't sure the reaction I would receive. I spoke to Chad and I have to say it was the best call centre experience I have ever had. The call was not awkward at all and I actually felt "normal" going through the process. That might seem like an odd thing to say but it actually makes an unbelievable difference. I just wanted to say thank you and hopefully my thanks and some sort of recognition will get back to Chad. Thanks again, you guys have made my day." - Dean (received by email, June 2016)

"I'll admit, as with every new financial year I have been checking around other health funds just to make sure I am getting the best deal. But after receiving a handwritten card and gift from HIF for the birth of my new daughter there is no way I would leave. It's not about the gift for me, it's about your passion towards customer service that so many businesses lack these days. Thank you, your happy member and his family." - Matthew (see review - received via Facebook, June 2016)

"Certainly not expected but thanks HIF for the gift for our little man, very much appreciated" - Jackie (see review - received via Facebook, May 2016)

"Thank you so much for this unexpected lovely gift!!! So soft and warm and just in time for the cold Melbourne weather." - Asherly (see review - received via Facebook, May 2016)

"After living overseas for the past 5 years, rejoining a health insurance fund was a task I tried to avoid. I phoned around and struggled to find the best option. My final call to HIF put me in contact with Sandra (based in Perth) and she was an absolute pleasure to speak with. Sandra not only answered my questions but offered extra information above and beyond that expected from a call centre. I hope that Sandra's exceptional customer service does not go unrecognised and she receives the positive recognition that she deserves." - Alicia (see review - received via Facebook, May 2016)

"Awesome love the fact that it was so easy to set up and get covered." - Maryanne (see review - received via Facebook, May 2016)

"I've been with HIF for many years now and while the premium has just gone up slightly it is still more competitive than ever other company out there! Plus the rebates have been fantastic for dentistry etc and last year when I had a baby everything in hospital was covered and I got a private room for my hospital stay. Very happy and will remain a loyal customer." - Nikki (see review - received via Facebook, April 2016)

"Dear Meredith, Thank you again for all of your assistance AND patience with this matter. I know I'm not a 'Top Hospital' customer, but you treated me like one. Believe me, I did a ton of research to find the best fund for my appropriate level of cover, and not many sales people helped me out as you did. For what I need, and thanks to your guidance, HIF worked out to be the best fund overall. The Private Health Ombudsman website - www.privatehealth.gov.au - helped me out a lot too (great comparison site!). Thank you again." - John (received by email, April 2016)

"I'm still yet to use their services if I ever need to. But during the signing up process, there was a little hiccup which needed to be resolved asap to complete my 457 Visa Application. Their Customer Service dealt with it fast and effectively. That is the kind or service you look for when moving to a new country and search for a health insurance cover. And in the midst of some bad reviews I read here, which were left as-is even after the matter was resolved. I just wanted to provide my input." - Antonio (see review - received via ProductReview.com.au, April 2016)

"Gabriele N was brilliant, her customer service sums up the reason I changed to hif and confirms the reason I am staying with you. Thank you for your support and efforts." - George (see review - received via Facebook, April 2016)

"Every year I take advantage of my HIF membership and get new glasses. Last year bought gorgeous black frames. This time I checked out the fully covered range and selected a 2 tone pair. The lovely assistant told me I hadn't used the full amount and I should get another pair... So chose the purple ones... Fully covered nothing to pay! Nuts! Thanks to HIF and Options Optometrists at the Galleria." - Jo (see review - received via Instagram, March 2016)

"Tonight my two kids and I went to the dentist for check up and clean... The total bill was $390 but the gap was $0!! I was soooo happy thanks to HIF Extras cover. Thank you." - Karen (see review - received via Facebook, March 2016)

"Excellent dental rebates - freedom of choice of dental provider. No contracted dentists means equal rebate for all and freedom of choice is not compromised. Keep up the exceptional service and cover HIF." - Samantha (see review - received via Facebook, March 2016)

"HIF have one of the best social media teams I've encountered. I feel truly heard and valued." - Pia (see review - received via Twitter, February 2016)

"April 2015, had a leg infection sprung on me while holidaying in Queensland. Now very recently been slugged a $1,100 bill by the Queensland Ambos, but however, due to some demonstration of incompetence by QLD government, they stuffed up my postal address and given that I never received an account from them, deferred me to the debit collectors. While the debit collectors had also used the incorrect postal address, was by pure luck had a postie who had some brains and sent it to my actual address, and while after some choice words were yelled out while recovering from a case of bill-shock, sourced the bill and paid the debit collectors after complaining in writing that some idiot stuffed my postal address up. Any who, sent the whole lot to HIF to get the money reimbursed, 5 days later the money is sitting in my bank account. No kicking and screaming, no incorrect address used saga, no filing cabinets worth of documents like other insurance would've (like that travel insurer that I used). I would strongly recommend HIF to anybody." - Andrew (see review  - received via ProductReview.com.au, February 2016)

"I had a dentist appointment for a consult and clean. Dental clinic charge was $120, my HIF rebate was $107. Thank you HIF, I'm a happy customer." - Sharon (see review - received via Facebook, February 2016)

"Thanks for the wonderful customer service Sandy. If every customer service provider was like you I would enjoy phone calls." - Alex (see review - received via Facebook, February 2016)

"Just joined HIF, the dental cover is great which I definitely need" - Emily (see review - received via Twitter, January 2016)

"In December 2015 I broke my hand and had to have surgery. I only joined HIF in July 2015 and was worried about the claims process etc. It was so simple and all of the surgeons accounts were paid directly and I had no surprise out of pocket costs just the excess which i was told about beforehand. I very happy as i changed over from Medibank which was a large fund. I dealt with Wendy in the claims, she was very efficient and lovely to deal with!" - Jen (see review - received via ProductReview.com.au, January 2016)

"I have needed to be hospitalised 3 times within a 12 month period as a result of surgery & complications. It was peace of mind knowing HIF took care of the related costs involved with ease & friendly customer service. Thanks HIF." - Helen (see review - received via ProductReview.com.au, December 2015)

"The other day I required an ambulance who had to rush me to the Royal Perth emergency department. I just received my bill of $916! As you can imagine, I nearly fell off my seat to think that a service that took a whole of about 30 minutes could cost so much. Luckily I have ambulance cover with HIF and was advised that because the bill was for an "emergency service" I was able to claim the full cost. I'm so very happy that I didn't need to pay one cent of the bill. I can sleep at ease tonight. Thank you HIF, love your work." - Meredith (see review - received via Facebook, December 2015)

"Very good service provider. Great communication with customers and great value. Staff are very helpful and website is easy to use and informative." - Lisa (see review - received via ProductReview.com.au, November 2015)

"Since I became a member in March I have nothing but positive things to say about HIF...I submit claims using their app and a week later the refund is in my bank! I have also been very impressed with the amount they reimburse which seems to be significantly higher than other funds. I have been telling everyone I know to make the switch to HIF" - MG (see review - received via ProductReview.com.au, November 2015)

"Hi HIF, to cut a long story short there was a recent audit on our membership due to the fact that our membership was in my name and not my husbands as we receive the 8% corporate discount. I called this afternoon after submitting the paperwork to get the membership into my husbands name and was told that the processing team will do it asap. All the team at HIF need a huge pat the back with how they treat members and really go beyond for them as well. It's much appreciated!" - Aleeisha (see review - received via Facebook, November 2015)

"I have to acknowledge the First class service and very quick claim settlement provided by the HIF insurance fund after my Wife's recent 13 day stay in a Melbourne Private Hospital. Simple, quick and easy. Well done." - John (see review - received via ProductReview.com.au, November 2015)

"And that my friends is how you do corporate social media. Instant, someone knowledgeable, when I want it, using the platform." - Erwin (see review - received via Twitter, November 2015)

"I don't think it's possible for myself to like HIF any more than I do now. They were kind enough to drop my premiums (lower the cover) due to my financial (pension) situation even though I just raised it recently. I will be increasing my excess for hospital soon but will definately retain the cover after going through the horror of the public system. Insurance well worth having!" - Russell (see review - received via Facebook, October 2015)

"I couldn't be happier with how easy it was to claim on my recent glasses purchase. Click, click, click to take some photos of the receipt with my phone, and a few days later the rebate is in my account with no fuss. Thanks." - Emma (see review - received via ProductReview.com.au, October 2015)

"Hi HIF, I just wanted to send off a quick message after speaking to one of your super star customer service people Shamis (sorry if I've spelt that wrong) this morning. He was very helpful and polite and has made me believe I've made the right decision taking out health insurance with you guys! A true asset to your company! I look forward to using you guys for time to come and recommending you to everyone i know! Thank you." - Bronwyn (see review - received via Facebook, August 2015)

"I've been with hif for many years and found them to be very helpful and have never had a problem with the staff. Sure sometimes things take time ie claims but what about other companies I'm sure they would be the same if not worse I've had lots of surgeries and never had any problems when dealing with hif and have recommended them with highest regard To all my friends. Some doctors in Perth over charge that's why you end up with a bill you just have to check before you commit and that's not hif fault. So far I'm delighted with their customer service and intend staying with them" - Natalie (see review - received via ProductReview.com.au, August 2015)

"Any insurance company is ultimately only as good as how they handle claims and having swapped very recently from one of the largest funds this was my first test. I am pleased to say that the claim process could not have been quicker and the amount paid back for some recent dental treatment I believe was equal to, if not a little more than my previous provider would have paid. I have also just bought a new pair glasses and sunglasses and when the Optician processed the claim she was amazed at the size of rebate! Thank you very much HIF, one more tick in the very pleased box." - Peter & Margaret (via HIF website, July 2014)

"We switched to HIF, and the switch took a few weeks to get processed but I found their call center helpful, they have a useful app for claiming, and they had good value coverage. The fact that they are a member owned fund suggests they're more likely to care for their customers. So far so good!" - Richard28 (see review - received via ProductReview.com.au, July 2015)

"I shop around every 12 months and have found no other health fund can beat HIF on price when you add on obstetrics cover. Even when reps from iSelect call etc., I say can you beat this price with obstetrics and they always say "No, don't bother changing covers." We used our hospital cover a couple of years ago when our son was born. The HIF staff were reassuring that whatever they said would be paid for (and it was). Extremely happy with their service and coverage. Inexpensive (well as inexpensive as health cover gets), decent service and good coverage." - Bronty_Saurus (see review - received via ProductReview.com.au, July 2015)

"I have always found HIF, to be the best of all health funds. I work in healthcare and always recommend them because its easy, hassle free and they are lovely to deal with. I have done my wisdom teeth, my partner has had 2 knee surgeries and now I'm pregnant so confident that I have chosen the right health fund to cover everything." - Rach (see review - received via ProductReview.com.au, June 2015)

"Just wanted to say a massive public thanks to Nikki and all the staff at HIF. The service has been absolutely fantastic, with extremely fast responses. Also the Dental cover. Fantastic! Keep up the great work." - James (see review - received via Facebook, June 2015)

"I would like to take you all on a mystical journey, a tale of a festering tooth abscess and Private Health insurance. But before we set sail, it is worth a mention that this is by no means a paid endorsement. It is actually more indicative of my old age and enthusiastic response to awesome customer service.... Read full blog post: "Abscess Insurance"" - Renae (via HIF's blog, May 2015)

"I joined three different health insurances in the past but ended up switching due to rude, incompetent and SLOW customer service with all of them. Since switching to HIF a year ago I had no problems with customer service, claims or policy changes. Just recently I claimed another remedial massage and received my money in no time. Thank you for the polite, friendly and competent customer service. Keep up the good work! And the low premium increases of course." - Lucy (via see review - received via ProductReview.com.au, April 2015)

"I have been a member of HIF for over a year now, aside from all the obvious benefits like lower premiums and being able to choose the practitioners I want to use I have found the service second to none. When I first joined the honest of the staff in regards to what I actually needed was appreciated rather than getting a sales pitch! Having had a few out of the ordinary claims in the last few months the staff have being excellent offering great advise in a timely manner which left me with no out of pocket expenses. Claims were processed very quickly. With my previous fund this whole process would have involved waiting for long periods to get the right person on the telephone... With HIF you can get the person straight away, and can get the same person each time eliminating the need to keep repeating my situation! If they are busy they will call you back! All up health insurance with HIF is too easy! They deal with the problems so we don't need to." - Sinead (see review - received via ProductReview.com.au, April 2015)
"I have recently changed from Frank (GMHBA) as they didn't offer a rebate for speech therapy. My premium only went up $2.50 per fortnight, but the increase in amount I can claim on speech and dental well and truely outweighs that. My first claim via the app was so easy and money was in my bank 2 days later. (I'm still waiting on my previous insurer to pay a bill from 3 weeks ago). Great, affordable cover for a family needing insurance but not wanting to pay the earth! Highly recommended." - Roxanne (see review - received via ProductReview.com.au, November 2014)