Putting members’ health before profit

Health Insurance Fund




The HIF story began back in 1954, when our organisation sprang into life as the Western Australian Government Railways Employees Hospital and Medical Benefits Fund Inc (trips off the tongue, doesn’t it?).

One name change and 24 years later, we became Health Insurance Fund of WA, an incorporated association under the Associations Incorporations Act 1895 (WA). Then, in June 2010, we changed our name again to Health Insurance Fund of Australia. We did this to reflect our increasingly nationwide membership base.

Today, HIF is a multi-award winning health fund. That’s why more and more people are turning away from other Australian health insurers in favour of our ethical member-focused approach, our great value healthpet and travel options, and our philosophy of allowing our members total freedom when it comes to choosing your own healthcare provider.

By preserving our status as a registered open-access, not-for-profit Member-focused private health insurer, we qualify for exemption from income tax assessment under the Income Tax Assessment Act 1997 (Cth) (although we are subject to other forms of taxation).

Unlike many Australian health funds, we do not have shareholders. Moreover, cash dividends are not paid directly to our fund Members. Instead, we return any surpluses to our Members in the form of lower premiums, increased rebates and new benefits and services. This is our way of rewarding our loyal Members.

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.

We also offer pet insurance and travel insurance, but ultimately we undertake all of these activities to do one thing – ensure we keep a tight lid on health insurance premiums.


  • Hospital Cover
  • Extras Cover
  • Combined Hospital and Extras Cover
  • Overseas Visitor Cover
  • Working Visa Cover
  • Travel Insurance
  • Pet Insurance


HIF is available to all

  • Australian Citizens and Permanent Residents; and
  • Overseas Visitors or Temporary Residents


Our HIF head office is located at 100 Stirling Street, Perth, WA, 6000, AU.

HIF operates in all Australian States and Territories.