HIFI0124 Corporate Brochure 090216 V2 · 2017-12-18 · HIF corporate health cover gives your...

Contents

1. About HIF .......................................................................................................... 3

2. Why is HIF the smart choice for your employees? ............................................. 4

3. HIF Corporate Health Cover saves you money .................................................. 5

4. Product design, benefits and service excellence ................................................ 6

5. Pick your own provider ....................................................................................... 7 6. Visa compliant health cover for international employees .................................... 7 7. Your Corporate Hospital Cover options ............................................................... 8

8. Your Corporate Ancillary Cover options .............................................................. 9

9. Our Corporate offers to you ............................................................................... 10

Option 1: Employer subsidised (exclusive to HIF) - 12% discount ...................... 11

Option 2: Employer subsidised (non-exclusive) - 10% discount ..........................12

Option 3: Non employer subsidised (exclusive to HIF) - 10% discount ............... 13

Option 4: Non employer subsidised (non exclusive to HIF) - 8% discount ........... 14

10. Smart rewards to Corporate Members ............................................................... 15

11. Our loyalty commitment ..................................................................................... 15

12. Summary ........................................................................................................... 16

13. Statement of confidentiality and non disclosure ................................................. 16

1. About HIF

For over 50 years we have dedicated ourselves to the health and wellness needs of

all our members. Our commitment has made HIF one of the most trusted, not-for-

profit, progressive private health insurers in Western Australia.

We do not have shareholders and our profits are reinvested back into the fund for the

benefit of members. We do this through keeping a “tight lid” on premiums; improving

the value of health insurance rebates; increasing the range of treatments and

services covered under our members’ policies; and ultimately, we consistently focus

on service excellence.

HIF is the third largest health fund in the WA market and we have developed

considerable experience in providing Corporate Health Plans to approximately 200

large organisations operating in WA.

2. Why is HIF the smart choice for your employees?

HIF has designed a range of corporate health cover solutions to save your

employees money, provide unbeatable value as well as give them the flexibility to

choose a cover to match their personal preferences.

An HIF corporate health cover solution is an investment in your business's most

valuable asset, your employees. Studies have shown that employees are more likely

to be focussed in their roles and perform best when they are in optimal physical and

psychological health. Employees are also more likely to be attracted to, remain with,

and value an employer that appreciates them.

HIF’s corporate health covers improve

company productivity by assisting your

organisation to:

� Attract superior quality employees

� Reduce absenteeism and down time

� Enhance on-the-job performance

and decision making

� Improve employee morale and turnover

3. HIF Corporate Health Cover saves you money

� Through partnering with HIF, your employees will enjoy a corporate group

discount off HIF’s standard premiums

� HIF offers ancillary rebates of up to 100% of the fee charged for dental services

� No co-payments are charged for inpatient hospitalisation unless, if you are

not covered for a private room, you wish to upgrade to a private room

� No hassle premium contributions through the employer’s payroll system

� Immediate access to most ancillary benefits

� Convenient on-the-spot claiming

� We take care of all marketing and admin costs including promotional materials

� HIF’s "SmartClaim" app allows members to submit ancillary claims via mobile and Fast-Track allows members to submit ancillary claims via email or fax

HIF corporate health cover gives your employees choice. As a corporate partner of HIF,

your employees will have access to a range of other member services, including:

� Access to over 500 private hospitals across Australia, including 35 in WA

� Freedom to choose from any of HIF’s recognised hospital and ancillary providers

� Access to competitively priced travel insurance

4. Product design, benefits and service excellence

As one of the fastest growing health funds in WA, HIF is committed to providing

members with the best possible level of cover, benefits and personal service. HIF

recognises your employees as individuals and provides them with friendly

personalised service and a level of dedication that ensures the right health insurance

solution is identified for all of your participating employees.

HIF’s range of hospital and ancillary covers have been specifically designed to

deliver quality insurance, whilst being tailored to meet members’ needs, as well as

their lifestyle and budget.

Members can choose from a wide range of hospital and ancillary covers. There are

different levels of cover to suit everyone and they provide unbeatable value for

money because members are only paying for the cover that gives them what they

need. HIF health insurance offers great value. Electing to pay a hospital excess can

reduce premiums even further.

HIF is owned by its contributing members. Thus, all surpluses (if any) are reinvested

back into the Fund to ensure greater rebates and improved services for members

can continue to be delivered. HIF initiatives such as SmartTeeth dental program

allows members to claim up to 100% of the provider charge for some of the most

important or relevant treatments.

Unlike other funds, where you might take up to 10 years to reach your maximum

annual rebate limit, HIF allows you to claim your maximum annual limit within the first

5 years of membership. This means more money in members’ pockets and

enhanced value for money from their health insurance fund.

5. Pick your own provider

HIF is committed to a philosophy of “choice”,

ensuring members are able to choose freely

from any one of HIF’s many recognised

providers. We are the only WA private health

insurer to have been publicly applauded by the

Australian Dental Association (WA) for delivering

improved dental rebates and ensuring 100%

choice of dental provider for our members.

6. Visa compliant health cover for international employees HIF is also able to assist your employees who, due to their residency status, may not

eligible for Medicare benefits (e.g. workers on 457 visas). HIF has a number of overseas

visitor health cover solutions that will facilitate easy access to benefits normally

provided under Medicare claiming. We will assist your employees to understand the

Australian private health system and through regular contact, help them to obtain the

maximum value from their HIF membership.

7. Your Corporate Hospital Cover options

HIF offers 3 types of discounted corporate hospital cover:

� GoldStar Hospital Top Cover with private room

� Gold Hospital Top Cover with shared room

� GoldSaver Hospital Intermediate cover with maternity services

For in-hospital procedures

for covered services √ = Covered x = Not covered

GoldStar Gold GoldSaver

Shared Room √ √ √

Private Room √ x x

Choice of Excess √ √ x

Intensive Care √ √ √

Theatre Fees √ √ √

Same-day Accommodation √ √ √

Same-day Theatre √ √ √

AccessGap √ √ √

Restricted Excluded

GoldStar None Cosmetic services* Services not covered by Medicare

Gold None Cosmetic services* Services not covered by Medicare

GoldSaver Psychiatric Cardio-thoracic surgery or monitoring** Eye Surgery Joint Replacement Assisted Reproductive Technology

Cosmetic services* Services not covered by Medicare

A restricted service means a basic public hospital rate will be paid for accommodation and all other charges raised during the stay and out-of-pocket

expenses will be paid by the member. An excluded service means all charges raised during the stay will be paid by the member. *Where a service is

deemed by Medicare to be cosmetic and/or does not attract a Medicare rebate, all charges raised in association with the hospital stay will not be eligible for

payment. **Some examples of cardio-thoracic surgery or monitoring are: heart bypass, angiogram, coronary care, lung surgery. Contact HIF prior to

admission to confirm benefits payable.

8. Your Corporate Ancillary Cover options

HIF offers three (3) types of discounted corporate ancillary cover:

� Premium Options Top cover including Complementary Therapies

� Super Options Top cover

� Special Options Intermediate cover

Type of Service Super

Options

Special

Options Waiting Period

Ambulance √ √ √

2 Month Waiting Period

Auxiliary Home Nursing √ √ x

Asthmatic Spacers √ √ x Chiropractic √ √ √

Complementary Therapies √ x x

Dental – General Unlimited √ √ √ Diabetes Education √ √ x

Dietetics √ √ √ First Aid Courses √ √ x

Healthy Lifestyle √ √ √ Occupational Therapy √ √ x

Optical √ √ √ Orthoptics (Eye Therapy) √ √ x

Osteopathy √ √ √

Peak-flow meter √ √ x Pharmacy Drugs √ √ √ Physiotherapy √ √ √ Podiatry √ √ √

Speech Therapy √ √ x

Dental – General Limited# √ √ √

Up to 12 Month

Waiting Period

Blood Glucose/Pressure Monitor √ √ x

12 Month Waiting Period

Dental – Major √ √ √

Nebuliser/Humidifier √ √ x

Orthotic Appliances √ √ x

Psychological Consultations √ √ x Assisted Reproduction Drugs √ √ x 36 Month

Waiting Period Hearing Aids √ √ x

# Please contact HIF before commencing treatment with full details of the necessary dental service as provided by the dentist and we will provide you with

an estimate of your refund.

For treatments or services not listed in the above table, please contact HIF for details on coverage.

Premium

Options

9. Our corporate offers to you

(subsidised and non-subsidised)

HIF has a number of long term corporate partners who contribute towards the private

health insurance premiums of their employees (i.e. under an effective “salary

sacrifice” arrangement). This benefit is provided with a view to your organisation

being recognised as an “employer of choice”.

Under this option, an applicable level of hospital and ancillary cover is chosen

(i.e. one of each cover type), or a set range of hospital and ancillary covers that cater

for the mainstream health and wellness needs of the vast majority of participating

employees. The cover(s) would be offered to employees as an add-value benefit of

employment with your organisation.

Employees would also be given the flexibility of upgrading either their hospital or ancillary

cover in line with their more specific needs or requirements. In these circumstances,

employees make a personal contribution of the difference in premium between the

employer determined cover(s) and the upgraded cover(s) chosen by the employee.

Alternatively, you could simply choose to make a defined financial contribution (i.e. fixed

amount(s) or percentage) without making a determination as to cover type participation.

As with the upgrade scenario, HIF contemplates that an employee contribution would

occur via an after tax payroll deduction or pre-tax salary sacrifice.

Option 1: Employer subsidised (exclusive to HIF) - 12% discount

� 12% discount off HIF’s standard prices on our top three (3) hospital covers,

GoldStar, Gold and GoldSaver and 12% discount on our top three (3)

ancillary covers, Premium Options, Super Options and Special Options;

� Provides employees with the ability to select combinations of HIF’s hospital and

ancillary covers to suit their specific requirements (e.g. private room with no

co-payment), preferences (e.g. access to complementary therapies) and budget;

� Reinforces your commitment to “employer of choice” recognition;

� Highlights a unique point of difference for promoting employee satisfaction;

� Provides a strong “employee retention” incentive;

� Reduces / mitigates against avoidable costs associated with employee

turnover;

� Potential savings in personal income tax;

� As an employer, you have the peace of mind that your employees have

adequate health cover in the event of an emergency;

� Potential cost savings through reduced employee absenteeism associated

with sickness or other medical condition.

To be mutually rewarding under this option, HIF requires participation from at least

ten (10) employees and it is anticipated that your existing payroll deduction / benefit

process could be utilised for this purpose.

Option 2: Employer subsidised (non-exclusive) - 10% discount


GoldStar, Gold and GoldSaver and 10% discount on our top three 3)

ancillary covers, Premium Options, Super Options and Special Options;


ancillary covers to suit their specific requirements (e.g. private room with no

co-payment), preferences (e.g. access to complementary therapies) and budget;

� Reinforces your commitment to “employer of choice” recognition;



� Reduces / mitigates against avoidable costs associated with employee

turnover;

� Potential savings in personal income tax;

� As an employer, you have the peace of mind that your employees have

adequate health cover in the event of an emergency;

� Potential cost savings through reduced employee absenteeism associated

with sickness or other medical condition.

To be mutually rewarding under this option, HIF requires participation from at least

ten (10) employees and it is anticipated that your existing payroll deduction / benefit

process could be utilised for this purpose.

Option 3: Non employer subsidised (exclusive to HIF) - 10% discount

� 10% discount off HIF’s standard prices on our top three (3) hospital covers, GoldStar, Gold and GoldSaver and 10% discount on our top three (3) ancillary covers, Premium Options, Super Options and Special Options;

� Minimises financial investment in promoting employer-employee relations;


ancillary covers to suit their specific requirements (e.g. private room with no co-

payment), preferences (e.g. access to complementary therapies) and budget;



� Reduces / mitigates against avoidable costs associated with employee turnover;

� Peace of mind for your company in the knowledge that valued employees have

adequate private health insurance cover in the event of an emergency;

� Potential cost savings through reduced employee absenteeism associated with

sickness or other medical condition.

To be mutually rewarding under this option, HIF requires participation from at least ten

(10) employees and it is anticipated your existing payroll deduction / benefit process

could be utilised for this purpose.

Option 4: Non employer subsidised (non exclusive to HIF) - 8% discount


GoldStar, Gold and GoldSaver and 8% discount on our top three (3) ancillary

covers, Premium Options, Super Options and Special Options;

� Minimises financial investment in promoting employer-employee relations;


ancillary covers to suit their specific requirements (e.g. private room with no co-

payment), preferences (e.g. access to complementary therapies) and budget;



� Reduces / mitigates against avoidable costs associated with employee turnover;

� Peace of mind for your company in the knowledge that valued employees have

adequate private health insurance cover in the event of an emergency;

� Potential cost savings through reduced employee absenteeism associated with

sickness or other medical condition.

To be mutually rewarding under this option, HIF requires participation from at least ten

(10) employees and it is anticipated your existing payroll deduction / benefit process

could be utilised for this purpose.

10. Smart solutions for member rewards

Whilst HIF recognises the importance of maintaining healthy lifestyles and delivering

above average benefits where possible, we also recognise that there are times when

health insurance services are not being used.

To ensure that our Corporate members continue to get value for money even when

they are not using their health cover, HIF’s Smart Rewards offers employees added

value through a comprehensive choice of ‘everyday services and purchases’ that have

been discounted for HIF’s Corporate Members.

A separate corporate ‘Member Rewards’

card is issued to all corporate members

joining or transferring to HIF.

11. Our loyalty commitment

Your employees can receive immediate savings for their existing HIF private health

insurance policy. If your employee becomes a new member of HIF, most of the normal

waiting periods will be waived, which allows your employees to join and claim almost

immediately. If your employees are transferring from another fund we will recognise

their length of membership with that previous fund and reward them with the

appropriate higher benefits.

12. Summary

HIF looks forward to working with you through

a unique corporate health solution partnership

.

We encourage you to take the next step in

achieving or maintaining “employer of choice”

status, by calling HIF today on 1300 13 40 60

Alternatively, visit hif.com.au/corporate

to find out more.

13. Statement of confidentiality and non-disclosure

This document contains confidential information. All data and information herein has

been provided to you on the basis that you will not use or disclose it to a third party

except in relation to your business dealings with HIF and provided that HIF gives

prior written approval. A recipient of and any subsequent person who is properly

authorised to access this document agrees to inform any other person who views or

gains access to it of its confidential nature and requirements under this Item 13.

HIF retains all title, ownership and individual property rights to the material and trademarks

contained herein, including supporting documentation, marketing and multimedia.

THE RECIPIENT OF AND ANY SUBSEQUENT PERSON WHO IS PROPERLY AUTHORISED

TO ACCESS THIS DOCUMENT AGREES TO BE BOUND BY THE AFOREMENTIONED.

HIFI0124 Corporate Brochure 090216 V2 · 2017-12-18 · HIF corporate health cover gives your...

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