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Fund Review

HIF Health Insurance

HIF (Health Insurance Fund of Australia) is a Western Australian not-for-profit health fund — smaller than HBF but with a loyal WA membership base and competitive pricing. Here's an independent look at who HIF suits.

WA-based
Perth-founded not-for-profit fund
Not-for-profit
Member-owned, no shareholders
National
Now accepts members from all states

Who Is HIF?

HIF (Health Insurance Fund of Australia Limited) is a Perth-based not-for-profit private health insurer. It has historically served the Western Australian market and has expanded to accept members nationally. Like HBF, HIF operates as a member-owned fund with no shareholders — surplus is used to benefit members rather than generate investment returns.

HIF is a smaller fund than HBF in WA but maintains competitive premiums and a member-focused service model.

HIF's Strengths and Limitations

Not-for-profit structure
HIF reinvests surplus into member benefits rather than distributing dividends. For WA members who want an alternative to the large for-profit funds, HIF offers genuine not-for-profit credentials.
Competitive WA pricing
HIF competes directly with HBF in the WA market. Premium comparison is worthwhile — for some policy types and member profiles, HIF may be cost-competitive or cheaper than HBF.
Smaller than HBF in WA
HIF's hospital network relationships and WA specialist gap cover network are generally less extensive than HBF's. WA residents wanting the broadest local network should compare both carefully.
National coverage less developed
Outside WA, HIF's hospital agreements are less comprehensive. Members who travel frequently or relocate interstate may find coverage less robust than nationally-focused funds.

Who HIF Is Best Suited For

✓WA residents wanting a not-for-profit alternative to HBF
For West Australians who want a not-for-profit fund and want to compare against HBF on price, HIF is the natural alternative. Premium comparison between HIF and HBF for your specific needs is worthwhile.
✓Members primarily in metropolitan Perth
HIF's network coverage is most practical for Perth-based members. Regional WA and interstate coverage is more limited.
✗East coast members
HIF has expanded nationally but its strongest coverage and network relationships are in WA. East coast members would generally be better served by nationally-focused funds.

This is an independent review. Let Us Check is not affiliated with Health Insurance Fund of Australia Limited.

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