Available from $14.35 per week
Smart health insurance to suit the budget of younger members who still want good hospital and ancillary cover that includes major dental, but are less likely to require services such as maternity and cardiothoracic procedures
Included with this cover:
Hospital cover for all Medicare approved items (not listed in exclusions of restrictions).
No Maternity cover.
Full cover for cost of a shared room, theatre fees and charges in a HIF contracted hospital anywhere in Australia for approved services.
Full AccessGap coverage for in-patient medical procedures for approved services.
Includes an excess to reduce the premium.
General hospitalisation - 2 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.
The following receive benefits paid at the basic public hospital rate for accommodation and theatre fees.
Psychiatric care and attention.
Rehabilitation.
Palliative care.
All obstetric related services.
Services deemed cosmetic by Medicare and services that do not attract a Medicare rebate.
Joint replacement.
Eye surgery.
Assisted Reproductive Technologies.
Cardio-thoracic (heart & chest) surgery, procedures and conditions.
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: 28.75
Rates may vary slightly due rounding