This Code was developed by the Australian Health Insurance Association (AHIA) and the Health Insurance Restricted Membership Association of Australia (HIRMAA). As well as promoting improved standards in clarity of information given to members, it aims to solve problems between members and the RBHS through internal dispute resolution. The Code also ensures that your fund must tell its members of their entitlement to seek assistance from an external dispute resolution body, such as the Private Health Insurance Ombudsman (PHIO).