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Thinking about signing up with HIF travel insurance? We’ve picked out some of the details to help you find out what you could be getting with this insurance provider.

About HIF

Established in 1954, HIF (Health Insurance Fund of Australia) is a not-for-profit private health insurer that aims to put its members first. Whilst primarily a health insurer, they also offer insurance for pets and travel. 

Cover information and limits in the table below verified as correct at 19 June 2024. Other information correct at the time of writing.

HIF plans

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  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essentials Plan

    • Per person

    • $20,000,000

    • Unlimited

    • $500.00

    • Events
    • Choose $2,000 to unlimited

    • $5,000

    • $25,000

    • $25,000

    • $3,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive Plan

    • Per person

    • $20,000,000

    • Unlimited

    • $500.00

    • Events
    • Choose $2,000 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Multi-Trip Plan

    • Per person

    • $20,000,000

    • Unlimited

    • $500.00

    • Events
    • Choose $2,000 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Does HIF travel insurance have COVID-19 coverage? 

HIF travel insurance does cover some COVID-19-related claims, however conditions can vary depending on the policy. Read the PDS for the full terms and conditions as exclusions and sub-limits may apply.

What other optional extras can I add to my HIF policy? 

HIF’s travel insurance offers a few different extra cover packs which, for an additional premium, can be added to their comprehensive, multi trip, and domestic plans. Some of these extras include a “snow pack” for winter sports activities, an adventure pack covering a “cruise pack”, and an increased items limit cover for higher value items.

Are pre-existing medical conditions covered under HIF’s travel insurance policies? 

Generally speaking, HIF can provide cover for claims that arise directly or indirectly from  pre-existing medical conditions, however there are certain conditions which may exempt you from specific plans so make sure to read the PDS. Also, do keep in mind that if you do not disclose any pre-existing medical conditions that you. 

What do I do if there’s an emergency during my trip? 

HIF has a 24-hour emergency assistance phone line. If you have an emergency while on your trip, then call:

However, there may be some additional charges if you call from your mobile, public telephone, or hotel room.

How do I make a claim with HIF travel insurance? 

HIF allows their customers to make claims while travelling or upon return. Claims can be made through HIF’s insurer’s online claim portal. To be able to make a claim with HIF you will need:

After the 17th of August 2022, all HIF claims now go through Allianz global assistance.

Is it possible to cancel my HIF travel insurance policy?

Cancellations can be made during the cooling period within 14 days after you are issued your Certificate of Insurance. You can be fully refunded on your cancellation provided that you:

However, if you try to cancel after your cooling off period but still fulfil the previous conditions, you may be entitled to a partial refund on a pro rata basis from the date of contacting HIF to the end date for the period of the cover that was provided by your chosen policy. 

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