“I’m a big believer in free access to health care for all,” says Stef Gebbie, 30, from Tasmania. “But when I was diagnosed with a chronic health condition, it really highlighted the failings of our public health system. I realised I needed to get private health cover to ensure access to the best care.

Peter and Margaret switched to HIF from Medibank in 2014 and were amazed by the savings they made, as well as our great dental and optical benefits...