Available from $19.15 per week
An intermediate level of health insurance for members wanting maternity and major dental cover but don’t require full coverage for services such as cardiothoracic surgery and joint replacement.
Included with this cover:
Intermediate health insurance hospital cover.
Includes Maternity.
Has some restricted services.
Full hospital cover for cost of a shared room, theatre fees and labour ward charges in a HIF contracted hospital, anywhere in Australia for approved services.
Full AccessGap coverage for in-patient medical procedures.
Includes an excess to reduce the premium.
General hospitalisation - 2 months.
All obstetric related services - 12 months.
All treatment related to a pre-existing ailment or condition - 12 months.
Psychiatric care and treatment, sterilisation and surgical removal of teeth - 12 months.
Joint replacement - 24 months.
Assisted Reproductive Technology programs - 36 months.
The following receive benefits paid at the basic public hospital rate for accommodation and theatre fees.
Joint replacement.
Eye surgery.
Psychiatric care and attention.
Assisted Reproductive Technologies.
Cardio-thoracic (heart & chest) surgery, procedures and conditions.
Services deemed cosmetic by Medicare and services that do not attract a Medicare rebate.
Special Ancillary
2 month waiting period on:
Ambulance.
Chiropractic.
Complementary Therapies.
Dental - General Limited.
Dietetics.
Healthy Lifestyle.
Optical.
Osteopathy.
Pharmacy Drugs.
Physiotherapy.
Podiatry.
Up to 12 month waiting period on:
Dental - General Limited.
12 month waiting period on:
Dental - Major.
SmartTeeth
HIF's Top 5 SmartTeeth Dental Services and the rebate applicable with this package.
Initial oral examination - 80%.
Periodic oral examination - 80%.
Removal of calculus, first visit - 80%.
Topcial application of remineralizing agent - 80%.
Emergency oral examination - 65%.
Purchase this plan
Adjust plan options:
Membership Type:
Excess Options:
Payment Frequency:
Total Cost: 38.35
Rates may vary slightly due rounding