What is a hospital excess?

An excess is the amount selected on a hospital insurance policy which the primary Member agrees to pay for an overnight or day hospital stay (depending on your policy coverage) before a benefit will be payable from HIF.

As an HIF Member you have the option to choose the level of excess applied to your membership and you can also increase or decrease the excess at any point. If you decide to choose a higher excess this will reduce your premiums. So, if you're fit and healthy and don't expect to need hospital treatment in the near future, applying an excess to your Hospital Cover is a smart choice.

When will I have to pay an excess?

You'll only have to pay an excess upon admission to hospital, and only once per calendar year (even if you have multiple admissions in the same year). Use the table below to see which excess rules apply to your cover.

Hospital coverSame-day admissionsOvernight admissionsDependants under 18Per-person excess options
Basic PlusN/A$500
$750
Bronze$200
$500
$750
Bronze Plus$200
$500
$750
Silver$200
$500
$750
Silver Plus $200
$500
$750
Gold Starxx$0
$200
$500
$750

Important, please note: Excesses apply to overnight and same-day admissions for Basic Plus, Bronze, Bronze PlusSilver and Silver Plus Hospital products. Excesses apply per-person, per calendar year up to the maximum.

For further information on our popular Hospital Cover options, including product inclusions, exclusions, excesses, restrictions, waiting periods, the pre-existing condition rule, co-payments, FAQs and other important information, please download a copy of our Health Cover Guide.