HIF
Silver Plus No Maternity Combo
HIF
How $233.53 is worked out
- Premium as filed - $307.75 a month (hospital share $234.70)
- Government rebate - 24.1% of the premium (never of the loading): -$74.22
- A month - $233.53
Go to insurer no commission on this policy
Hospital: what is covered
Covered (34)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (1)
- Hospital psychiatric services
Not covered (3)
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private hospital, or a shared room in a public hospital
- Excess - Capped per person and per policy per year. $500 per person a year. $500 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - No
- Travel and accommodation benefits - No
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).
Private and shared room accommodation in an HIF-contracted private hospital (subject to availability of private room). Shared room accommodation in a public hospital, with the exception of public hospitals in New South Wales (NSW) where private and shared room coverage is available (subject to availability of a private room).
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 60% back; Scale and clean (item 114): 60% back; Fluoride treatment (item 121): 60% back; Tooth extraction (item 322): 60% back | $600 per policy a year (shared with other services) |
| Major dental * | 12 months | Crown (item 615): 60% back | $600 per policy a year (shared with other services) |
| Root canal * | 2 months | Root canal (item 417): 60% back | $600 per policy a year (shared with other services) |
| Glasses and contact lenses * | 2 months | Single vision glasses: $150.00; Multifocal glasses: $150.00 | $150 per policy a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $60.00 | $200 per policy a year |
| Physiotherapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per policy a year (shared with other services) |
| Chiropractic * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per policy a year (shared with other services) |
| Podiatry * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per policy a year (shared with other services) |
| Acupuncture * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $150 per policy a year (shared with other services) |
| Remedial massage * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $150 per policy a year (shared with other services) |
| Chinese herbal medicine * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $150 per policy a year (shared with other services) |
| Health management programs * | 2 months | Benefit: $150.00 | $150 per policy a year |
Not covered: Braces, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Dietitian, Exercise physiology, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations.
* Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing treatment or commencing the program to check your eligibility.
Other services, as filed: 60% of charge paid as a benefit with an overall annual limit per person for combined services (excluding Optical, Pharmacy and Ambulance) of $1000. A 12 month waiting period applies to dental items: 322-331, 331, 595, and 596. Healthy Lifestyle benefits are claimable for approved health management, quit smoking or weight loss programs, health assessments, skin cancer screening (if not covered by medicare), and exercise physiology. For more information contact HIF.
This popular combo cover is our value packed Hospital & Extras option for singles and couples.It includes a host of inpatient hospital and medical services like heart, lung and chest, joint replacements, cancer treatment, cataract treatment and more. You’ll also be covered for a range of popular Extras services like dental, optical, ambulance, chiro and physio.
Ambulance
Emergency and non-emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Northern Territory
HIF has agreements with 3 private hospitals here, as filed with the Ombudsman.
The list
- Darwin Day Surgery - Wanguri (day hospital)
- Darwin Private Hospital - Tiwi
- NT Medical Specialist - Wanguri (day hospital)
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | $500 | $636.50 |
| NSW | Just me | $500 | $335.00 |
| NT | Me and my partner | $500 | $410.40 |
| NT | Just me | $500 | $216.00 |
| QLD | Me and my partner | $500 | $661.10 |
| QLD | Just me | $500 | $347.95 |
| SA | Me and my partner | $500 | $584.75 |
| SA | Just me | $500 | $307.75 |
| TAS | Me and my partner | $500 | $625.50 |
| TAS | Just me | $500 | $329.20 |
| VIC | Me and my partner | $500 | $641.65 |
| VIC | Just me | $500 | $337.70 |
| WA | Me and my partner | $500 | $520.60 |
| WA | Just me | $500 | $274.00 |
Member retention (hospital cover)
76.2% is the Commonwealth Ombudsman's figure for HIF in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement NM/SACI10, filed by Health Insurance Fund of Australia Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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