Extras Cover Comparison Table.

Use this comparison table to compare our award-winning Extras options, and choose one that suits your needs and budget.

Services include ambulance, asthmatic spacers, auxiliary home nursing, blood glucose & pressure monitors, chiro, complementary therapies, dental, diabetes education, dietetics, external prosthesis & medical appliances, healthy lifestyle services, hearing aids, humidifiers & nebulisers, occupational therapy, optical (glasses & contacts), orthotics, orthoptics (eye therapy), osteo, peak flow meters, pharmaceuticals, physio, podiatry consultations, psychology, and speech therapy.

Please note: Some waiting periods may apply, and Vital Options is only available to permanent Australian residents.

Vital Options from $0.53 per day Vital Options from $0.53 per day Vital Options from $0.53 per day Vital Options from $0.53 per day Vital Options from $0.53 per day
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Ambulance Transportation

Emergency: 50% 

Emergency: 100%

Emergency: 100%

Emergency: 100%

Emergency: 100%

Non-emergency callouts and transportation: 50%
 

Non-emergency callouts and transportation:
A $50 co-payment applies

Non-emergency callouts and transportation:
A $50 co-payment applies

Non-emergency callouts and transportation:
A $50 co-payment applies

Non-emergency callouts and transportation:
A $50 co-payment applies

Not covered:

Inter-hospital transfers
Off road or air ambulance

Not covered:

Inter-hospital transfers
Off road or air ambulance

Not covered:

Inter-hospital transfers
Off road or air ambulance

Not covered:

Inter-hospital transfers
Off road or air ambulance

Not covered:

Inter-hospital transfers
Off road or air ambulance

The 50% benefit is subject to a combined annual limit of $800 for ambulance, chiro, general dental, endodontic, periodontal, osteo and physio.

 

Per-person limit: No limit

Limit per policy: No limit

Per-person limit: No limit

Limit per policy: No limit

Per-person limit: No limit

Limit per policy: No limit

Per-person limit: No limit

Limit per policy: No limit

Asthmatic Spacers
more

Not covered

Not covered

Not covered

Benefit: $18

Limit per person: 2 per year

Limit per policy: No limit

Benefit: $18

Limit per person: 2 per year

Limit per policy: No limit

Auxiliary Home Nursing
more

Not covered

Not covered

Not covered

Benefit: $75

Limit per person: $1800/yr

Limit per policy: No limit

Benefit: $120

Limit per person: $1800/yr

Limit per policy: No limit

Blood Glucose Monitor or Blood Pressure Monitor
more

Not covered

Not covered

Not covered

Benefit: 75% of the cost up to a max of $200

Limit per person: 1 of either monitor every 3 years

Limit per policy: No limit

Benefit: 75% of the cost up to a max of $200

Limit per person: 1 of either monitor every 3 years

Limit per policy: No limit

Chiropractic
more

Benefit:
50% of the provider fee

Limit per person:
$800

The limit above is subject to a combined annual limit of $800 for ambulance, chiro, general dental, endodontic, periodontal, osteo and physio.

Benefits:
$26 - first visit
$21 - visits 2-10
$10 - visits 10+
$65 - X-ray (max 1 per year)

Limit per person: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
$26 - first visit
$21 - visits 2-10
$10 - visits 10+
$70 - X-ray (max 1 per year)

Limit per person: $450/year

Limit per policy: $900/year

The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Benefit:
$28 - first visit
$23 - visits 2-10
$14 - visits 10+
$85 - X-ray (max 1 per year)

Limit per person:
Up to 3 years: $550/year
Over 3 years: $650/year

Limit per policy:
Up to 3 years: $1100/year
Over 3 years: $1300/year

The limits detailed above are subject to a combined annual limit for chiro and osteo.

Benefit:
$30 - first visit
$29 - visits 2-10
$18 - visits 10+
$110 - X-ray (max 1 per year)

Limit per person:
Up to 3 years: $650/year
Over 3 years: $750/year

Limit per policy:
Up to 3 years: $1300/year
Over 3 years: $1500/year

The limits detailed above are subject to a combined annual limit for chiro and osteo.

Complementary Therapies
more

Acupuncture, Homeopathy, Myotherapy, Naturopathy, Remedial Massage and Traditional Chinese Medicine.

Not covered

Benefit:
$15 - visits 1-6
$10 - visits 7+

Limit per person:
Up to 3 years: $50/year
Over 3 years: $100/year

Limit per policy: $200/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
$16 - visits 1-6
$11 - visits 7+

Limit per person:
Up to 3 years: $100/year
Over 3 years: $200/year

Limit per policy: $400/year

The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Benefit:
$20 - visits 1-6
$13 - visits 7+

Limit per person:
Up to 3 years: $250/year
Over 3 years: $350/year

Limit per policy: $700/year

Benefit:
$25 - visits 1-6
$17 - visits 7+

Limit per person
Up to 3 years: $500/year
Over 3 years: $600/year

Limit per policy: No limit

Dental
more

Major Dental: Not Covered

For Vital Options, benefits are only payable on these items:

General Dental: 011–017, 022, 025–171, 311–314,
322-399, 511-535, 572–597, 911-986. 

Endodontic: 411–458 
Periodontal: 213–282

Annual limit: Combined annual limit of $800pp.
 

There are some items within these code ranges for which HIF does not pay a benefit, or if they are performed with another item in the same course of treatment. If you are planning dental treatment in the future, please contact us prior to treatment.

Major Dental: Not covered

General Dental: Covered

Benefits: Please see our
Dental Benefits page for a full overview of our SmartTeeth benefits and services covered.

Annual limit: Please see our Dental Annual Limits page for full details.

Major Dental: Covered

General Dental: Covered

Benefits: Please see our Dental Benefits page for a full overview of our SmartTeeth benefits and services covered.

Annual limit: Please see our Dental Annual Limits page for full details.

Major Dental: Covered

General Dental: Covered

Benefits: Please see our Dental Benefits page for a full overview of our SmartTeeth benefits and services covered.

Annual limit: Please see our Dental Annual Limits page for full details.

Major Dental: Covered

General Dental: Covered

Benefits: Please see our Dental Benefits page for a full overview of our SmartTeeth benefits and services covered.

Annual limit: Please see our Dental Annual Limits page for full details.

Diabetes Education
more

Not covered

Not covered

Not covered

Benefit:

$36 - first visit
$18 - subsequent visits

Limit per person:
6 visits per year

Limit per policy: No limit

Benefit:
$36 - first visit
$18 - subsequent visits

Limit per person:
6 visits per year

Limit per policy: No limit

Dietetics
more

Not covered

Benefit:
$36 - first visit
$18 - subsequent visits
$10 - group

Limit per person: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
$36 - first visit
$18 - subsequent visits
$10 - group

Limit per person: $252/year

Limit per policy: No limit

Benefit:
$36 - first visit
$18 - subsequent visits
$10 - group

Limit per person: $324/year

Limit per policy: No limit

Benefit:
$40 - first visit
$20 - subsequent visits
$12 - group

Limit per person: $324/year

Limit per policy: No limit

External Prosthesis / Medical Appliances
more

Not covered

Not covered

Not covered

Benefit: 75% of the fee

Limit per person: $1500/year

Limit per policy: No limit

Please note: sub-limits apply depending on the item.

Benefit: 75% of the fee

Limit per person:  $1500/year

Limit per policy: No limit

Please note: sub-limits apply depending on the item.

Healthy Lifestyle Services
more

Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans, Skin Cancer Screenings and Weight Loss Programs,
plus Yoga and Pilates classes when undertaken within a gym . Learn more.

Not covered

Limit per person: $50 per year

Limit per family: $100 per year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Limit per person: $75 per year

Limit per family:  $150 per year

Limit per person: $100 per year

Limit per family:  $200 per year

Limit per person: $125 per year

Limit per family: $250 per year

Hearing Aids
more

Not covered

Not covered

Not covered

Up to 5 years: $550
(maximum 1 per person)

Over 5 years: $550 per ear

Limit per policy: No limit

1-5 years: $550
(maximum 1 per person)

5-10 years: $600 per ear

10+ years: $700 per ear

Limit per policy: No limit

HIF Second Opinion
more

Not covered

Not covered

Not covered

Not covered

Complimentary access to our HIF Second Opinion service for as long as you hold Premium Options cover.

Humidifier or Nebuliser
more

Not covered

Not covered

Not covered

Benefit:
75% of the cost up to a max of $140

Limit per person:
1 of either device every 3 years

Limit per policy: No limit

Benefit:
75% of the cost up to a max of $180

Limit per person:
1 of either device every 3 years

Limit per policy: No limit

Occupational Therapy
more

Not covered

Not covered

Not covered

Benefit:
$45 - first visit
$25 - subsequent visits
$10 - group

Limit per person:
Up to 5 years: $900/year
Over 5 years: $1100/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Benefit:
$60 - first visit
$27 - subsequent visits
$10 - group

Limit per person:
Up to 5 years: $1200/year
Over 5 years: $1500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Optical
more

Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? Find out more

Optical cover is not included on this product.

Limit per person:
Up to 5 years: $110/year
Over 5 years: $121/year

Limit per policy: No limit

Limit per person:
Up to 5 years: $140/year
Over 5 years: $155/year

Limit per policy: No limit

Limit per person:
Up to 5 years: $260/year
Over 5 years: $325/year

Limit per policy: No limit

Limit per person:
Up to 5 years: $280/year
Over 5 years: $350/year

Limit per policy: No limit

Orthotics
more

NB: Orthotic limit includes associated services such as muscle testing, ROM testing and gait analysis.

Not covered

Not covered

Not covered

Benefit:
75% of the cost up to a max of $200

Limit per person:
1 every 2 years from the date of supply.

Limit per policy: No limit

Benefit:
75% of the cost up to a max of $240

Limit per person:
1 every 2 years from the date of supply.

Limit per policy: No limit

Orthoptics (Eye Therapy)
more

N/A

N/A

N/A

Benefit:
$50 - initial
$25 - subsequent

Limit per person:
Up to 5 years: $900/year
Over 5 years: $1100/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Benefit:
$50 - initial
$25 - subsequent

Limit per person:
Up to 5 years: $1200/year
Over 5 years: $1500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Osteopathic
more

Benefit:
50% of the provider fee

Limit per person: $800/year

The limit above is subject to a combined annual limit of $800 for ambulance, chiro, general dental, endodontic, periodontal, osteo and physio.

.

Benefit:
$26 - first visit
$21 - visits 2-10
$16 - visits 10+

Limit per person: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
$26 - first visit
$21 - visits 2-10
$16 - visits 10+

Limit per person: $450/year

Limit per policy: $900/year

The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Benefit:
$28 - first visit
$23 - visits 2-10
$17 - visits 10+

Limit per person:
Up to 3 years: $550/year
Over 3 years: $650 /year

Limit per policy:
Up to 3 years: $1100/year
Over 3 years: $1300/year

The limits detailed above are subject to a combined annual limit for chiro and osteo.

Benefit:
$30 - first visit
$29 - visits 2-10
$18 - visits 10+

Limit per person:
Up to 3 years: $650/year
Over 3 years: $750/year

Limit per policy:
Up to 3 years: $1300/year
Over 3 years: $1500/year

The limits detailed above are subject to a combined annual limit for chiro and osteo.

Peak Flow Meter
more

Not covered

Not covered

Not covered

Benefit: $30

Limit per person: 1 per year

Limit per policy: No limit

Benefit: $30

Limit per person: 1 per year

Limit per policy: No limit

Pharmacy
more

PBS = Pharmaceutical Benefit Scheme

Not covered

Benefit:
Member pays PBS contribution. Benefit is 100% of balance up to $80 per script item.

Limit per person: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
Member pays PBS contribution. Benefit is 100% of balance up to $80 per script item.

Limit per person: $200/year

Limit per policy: No limit

Benefit:
Member pays PBS contribution. Benefit is 100% of balance up to $80 per script item.

Limit per person:
Up to 3 years: $200/year
Over 3 years: $400/year

Limit per policy: No limit

Benefit:
Member pays PBS contribution. Benefit is 100% of balance up to $80 per script item.

Limit per person:
Up to 3 years: $200/year
Over 3 years: $400/year

Limit per policy: No limit

Physiotherapy
more

Benefit:
50% of the provider fee

Limit per person: $800

The limit above is subject to a combined annual limit of $800 for ambulance, chiro, general dental, endodontic, periodontal, osteo and physio.

Benefit:
$32 - first visit
$24 - visits 2-10
$19 - visits 10+
$13 - antenatal
$13 - hydrotherapy
$13 - group (e.g. pilates)

Limit per person: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Please note that a $300 sub-limit applies for antenatal, hydrotherapy and group (e.g. pilates).

Benefit:
$32 - first visit
$24 - visits 2-10
$19 - visits 10+
$13 - antenatal
$13 - hydrotherapy
$13 - group (e.g. pilates)

Limit per person: $450/year

Limit per policy: $900/year

The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Please note that a $400 sub-limit applies for antenatal, hydrotherapy and group (e.g. pilates).

Benefit:
$35 - first visit
$29 - visits 2-10
$20 - visits 10+
$13 - antenatal
$13 - hydrotherapy
$13 - group (e.g. pilates)

Limit per person:
Up to 5 years: $900/year
Over 5 years: $1100/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Please note that a $500 sub-limit applies for antenatal, hydrotherapy and group (e.g. pilates).

Benefit:
$45 - first visit
$40 - visits 2-10
$30 - visits 10+
$15 - antenatal
$15 - hydrotherapy
$15 - group (e.g. pilates)

Limit per person:
Up to 5 years: $1200/year
Over 5 years: $1500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy. Please note that a $600 sub-limit applies for antenatal, hydrotherapy and group (e.g. pilates).

Podiatry Consultations
more

Not covered

Benefit:
$32 - first visit
$23 - subsequent visits
$12 - consultations that are not performed in the podiatrist's registered practice

Limit per person: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
$32 - first visit
$23 - subsequent visits
$12 - consultations that are not performed in the podiatrist's registered practice

Limit per person: $450/year

Limit per policy: $900/year

The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo , physio and podiatry consultations.

 

Benefit:
$32 - first visit
$23 - subsequent visits
$12 - consultations that are not performed in the podiatrist's registered practice

Limit per person: $354/year
includes podiatry surgery performed in the podiatrist’s registered rooms only.

Limit per policy: No limit

Benefit:
$32 - first visit
$25 - subsequent visits
$12 - consultations that are not performed in the podiatrist's registered practice

Limit per person: $382/year
- includes podiatry surgery performed in the podiatrist’s registered rooms only.

Limit per policy: No limit

Psychology
more

Not covered

Not covered

Not covered

Benefit:
$75 - first visit
$55 - subsequent visits
$25 - group (per person) to a maximum of $75 per session

Limit per person: $740/year

Limit per policy: No limit

Benefit:
$100 - first visit
$55 - subsequent visits
$30 - group (per person) to a maximum of $75 per session

Limit per person: $1000/year

Limit per policy: No limit

Speech Therapy
more

Not covered

Not covered

Not covered

Benefit:
$75 - first visit
$45 - subsequent visits

Limit per person:
Up to 5 years: $900/year
Over 5 years: $1000/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Benefit:
$75 - first visit
$45 - subsequent visits

Limit per person:
Up to 5 years: $1200/year
Over 5 years: $1500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

         
Please note:
  • For items or services not listed in the above table, please contact us for details on coverage.
  • For full details of HIF's Extras Cover product inclusions, exclusions, excesses, restrictions, waiting periodsFAQs and other important information, please explore our website, download a Product Disclosure Statement or call 1300 13 40 60.
  • Please contact us 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.
  • The daily pricing (above) is based on a single policy in WA paid by direct debit on an annual basis after deducting a 26.791% Federal Government Rebate and a 4% annual discount. Depending on your current household income, the rebate you can claim may be reduced. This pricing is correct as of 1 April 2016. Prices may vary for other states and territories. 

Request a Callback

If you'd like to speak to one of our consultants in person about cover options, simply email sales@hif.com.au or phone us on 1300 13 40 60 and we'll be happy to assist. Alternatively, complete the quick form below and we'll call you at a time that suits. After all, what's important to you is important to us, and we want to ensure you're 100% happy with your decision.

Please provide some quick info so we're ready to answer your enquiry when we call


Special Offer Terms & Conditions: Current and valid promo-codes can only be redeemed by new customers when joining HIF directly either online via hif.com.au or by calling 1300 13 40 60. Promo-codes cannot be redeemed for new membership applications submitted through comparison websites or other partner sites. The "HIF50" $50 bonus offer will be paid to eligible new members in the form of an eftpos card, which will be posted out to the new member approximately six weeks after the applicant's nominated policy commencement date. The offer is available to new HIF members only (ex members re-joining HIF within five years of their previous cover will not be eligible). This promotion cannot be used in conjunction with any other offer from HIF and is not applicable to discounted corporate health plans. This promotion is not available to HIF staff, directors, or their immediate families.