2026 average premium increase
Data not available
Individual policy increases vary.
Industry average: +4.41%
Effective 1 April 2026.
Comparify can arrange cover with these brands: HBF, see-u by HBF, Bupa, ahm, HCF, nib, Australian Seniors, HIF, ACA Health and Hunter Health Insurance. We don't compare every fund or every policy in the market.
About HIF
HIF is the Health Insurance Fund of Australia, and we’ve been providing great value health cover since 1954. As a not-for profit, here-for-you health fund, our priority is to help our Members and their dependents lead healthy and happy lives. Simple as that. We do this by providing a choice of insurance covers for hospital, medical and extras services as well as great value travel options.
Premium increases — last 5 years
How HIF's gazetted average increase has tracked against the industry each April.
Average premium increase: Data not available for HIF.
How HIF performs for members
Size, complaints, retention and how much of a hospital bill members actually see covered — from the Ombudsman's 2023–24 report.
Complaints share
0.5%
Fewer complaints than HIF's size would suggest.
Market share
0.7%
Share of all Australians with private health cover.
Member retention
75%
Members who stayed with the fund across the year.
Charges with no/known gap
89.3%
Hospital-related charges covered with no gap or a gap agreed up front.
Extras charges covered
45.7%
Average share of extras bills the fund's benefits pay.
Premiums returned as benefits
80.5%
Industry-leading funds return around 89–94% of premiums as benefits; the market typically returns 79–89%.
Agreement private hospitals
510
Private hospitals with agreements, where members are covered with no or known gaps.
Source: Commonwealth Ombudsman, State of the Health Funds Report 2023–24, and Comparify's hospital agreement dataset.
Policies listed with the Government (PHIO)
Policies HIF has listed with the Government's PHIO dataset, as at August 2026.
- Basic1
- Bronze2
- Silver2
- Gold—
9
Extras-only policies
From $7/mo
5
Combined policies
Full hospital and extras coverage bundled together
Cheapest hospital premium
Per month, before rebate
Not all of these policies are available through Comparify. Your advisor will confirm which ones we can arrange.
How HIF's hospital cover prices compare
Each row shows the whole market's monthly premiums for that tier, with HIF's own open policies marked in purple.
HIF has no open policies at this level for the selected cohort.
VIC, single cover, monthly premiums before rebate. Plus variants are folded into their base tier. Combined policies are excluded.
How HIF's extras cover prices compare
Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.
- Everyday extras
- General dental and everyday services — no major dental
- Mid extras
- Major dental covered, orthodontics not covered
- Top extras
- Major dental and orthodontics both covered
Compare HIF against the market — with an advisor
Same price as joining HIF direct. No obligation, no upsell — just a clear side-by-side comparison from a real human.
HIF questions, answered honestly
Can't find what you're looking for? Our Aussie-based advisors are a phone call away — 7 days a week.
See all explainersFunds we can arrange
Prices shown are PHIO-listed base premiums before the Australian Government Rebate and any age-based discount, sourced from the Government's Private Health Information Statement data (August 2026).
Comparify can arrange cover with these brands: HBF, see-u by HBF, Bupa, ahm, HCF, nib, Australian Seniors, HIF, ACA Health and Hunter Health Insurance. We don't compare every fund or every policy in the market.