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If you'd like to add Extras Cover to an existing HIF Hospital policy, please complete a Variation Form online and email a copy back to us at hello@hif.com.au. Alternatively, please feel free to call us on 1300 134 060. 

Yes, HIF health insurance offers discounts for members who pay for their private health insurance policy upfront. If you pay for your policy 12 months in advance, we'll include a 4% discount - or for six monthly payments, the discount is 2%. If you're already an HIF member and would like to change your payment frequency, simply log-in to our Online Member Centre. Please note: Yearly and half-yearly discounts must be paid upfront and in full for the discount to apply and are not available in addition to any other discount, e.g. corporate or group discount arrangements.

It's great to hear you're planning to switch to HIF health insurance! To authorise us to arrange the transfer on your behalf, simply:

1. check the box during the online application process
2. enter the name of your previous health fund
3. enter the membership number on your old policy

Alternatively, if you're joining over the phone, you can instruct your Sales Consultant to complete the authorisation details for you. Once we have your authorisation, we'll then contact your previous fund and request that they send us what's known as a 'Clearance Certificate'.

The certificate provides HIF with all the details we need in order to finalise your new policy with us, including any waiting periods that may still be outstanding, plus any Lifetime Health Cover loading that may apply. Please note that Australian health funds have up to 14 days to issue Clearance Certificates, so if you would like your old fund to issue your certificate as a matter of urgency, please let us know and we can escalate it as a priority request. Alternatively, you can contact your previous fund yourself and submit a direct request for a certificate to be sent to HIF.

Important, please note: If your partner is switching to HIF health insurance and would like us to cancel their policy with their previous health fund too, they must provide authorisation. To do this simply ensure they have checked the partner authorisation box during the online application process and enter the name of their previous health fund and membership number of their old policy.

The easiest way to change your bank account details is logon onto our Online Member Centre. Available online 24/7, it allows you to update payment details and make a payment, as well as update your personal details, view your claims history, and much, much, more. If you haven’t done so already, make sure you register to access your Member Centre.