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General Dental General dental includes commonly used services such as consultations/oral examinations, scale and cleans, bleaching, x-rays, mouthguards, fillings and removal of permanent teeth	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. 50% of each treatment or service. Commonly claimed item numbers include: Oral Examination (012) Dental x-ray (022) Scale and clean (114) Fluoride treatment (121) Surgical tooth extraction (322) Filling/tooth restoration (531) Annual Limit per person: $400 Annual Limit per policy: $800 Waiting Period: 2 months Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Oral Examination (012)¹ Benefit: $54.35 Dental x-ray (022) Benefit: $22.70 Scale and clean (114)¹ Benefit: $110.35 Fluoride treatment (121)¹ Benefit: $33.20 Surgical tooth extraction (322) Benefit: $127.05 Filling/tooth restoration (531) Benefit: $78.55 Annual Limit per person: $750 Annual Limit per policy: No limit Waiting Period: 2 months Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment. ¹Subsequent visits for these item numbers within the calendar year are paid at a lower benefit.	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. 60% of each treatment or service. Commonly claimed item numbers include: Oral Examination (012) Dental x-ray (022) Scale and clean (114) Fluoride treatment (121) Surgical tooth extraction (322) Filling/tooth restoration (531) Annual Limit per person: $600 Annual Limit per policy: $1,200 Waiting Period: 2 months Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Oral Examination (012)¹ Benefit: $54.35 Dental x-ray (022) Benefit: $23.95 Scale and clean (114)¹ Benefit: $110.35 Fluoride treatment (121)¹ Benefit: $33.20 Surgical tooth extraction (322) Benefit: $139.75 Filling/tooth restoration (531) Benefit: $83.90 Annual Limit per person: $1,250 Annual Limit per policy: No limit Waiting Period: 2 months Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment. ¹Subsequent visits for these item numbers within the calendar year are paid at a lower benefit. The above annual limit is a combined limit for General Dental, Major Dental and Orthodontics.	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Oral Examination (012)¹ Benefit: $54.35 Dental x-ray (022) Benefit: $25.85 Scale and clean (114)¹ Benefit: $110.35 Fluoride treatment (121)¹ Benefit: $33.20 Surgical tooth extraction (322) Benefit: $152.45 Filling/tooth restoration (531) Benefit: $91.55 Annual Limit per person: $1,000 Annual Limit per policy: No limit Waiting Period: 2 months Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment. ¹Subsequent visits for these item numbers within the calendar year are paid at a lower benefit.	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Oral Examination (012)¹ Benefit: $54.35 Dental x-ray (022) Benefit: $28.65 Scale and clean (114)¹ Benefit: $110.35 Fluoride treatment (121)¹ Benefit: $33.20 Surgical tooth extraction (322) Benefit: $165.15 Filling/tooth restoration (531) Benefit: $97.20 Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 2 months Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment. ¹Subsequent visits for these item numbers within the calendar year are paid at a lower benefit.
Major Dental Major dental includes complex services such as crowns and bridges, root canals, dentures and most periodontic services.	Not Included Not covered	Not Included Not covered	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. 60% of each treatment or service. Commonly claimed item numbers include: Filling of one root canal (417) Full crown - non metallic (613) Full crown - veneered (615) Dentures - complete (719)² Annual Limit per person: $600 Annual Limit per policy: $1,200 Waiting Period: 12 months ²Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Filling of one root canal (417) Benefit: $129.15 Full crown - non metallic (613) Benefit: $758.85 Full crown - veneered (615) Benefit: $720.25 Dentures - complete (719)² Benefit: $984.30 Annual Limit per person: $1,250 Combined for General Dental Major Dental and Orthodontics. Annual Limit per policy: No limit Waiting Period: 12 months ²Benefits for replacement dentures and partial dentures are not paid within three years of previous supply. The above annual limit is a combined limit for General Dental, Major Dental and Orthodontics.	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Filling of one root canal (417) Benefit: $142.05 Full crown - non metallic (613) Benefit: $842.70 Full crown - veneered (615) Benefit: $799.80 Dentures - complete (719)² Benefit: $1,000 Annual Limit per person: $1,000 Annual Limit per policy: No limit Waiting Period: 12 months ²Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.	Included Benefit: If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Filling of one root canal (417) Benefit: $155.00 Full crown - non metallic (613) Benefit: $927.95 Full crown - veneered (615) Benefit: $911.85 Dentures- complete (719)² Benefit: $1,279.40 Annual Limit per person: $1,500 Annual Limit per policy: No limit Waiting Period: 12 months ²Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.
Orthodontics Orthodontics include the diagnosis, prevention and correction of jaw alignment issues. Common types of orthodontic services include braces, clear and removable aligners (e.g. Invisalign) and retainers.	Not Included Not covered	Not Included Not covered	Not Included Not covered	Included Benefit: 100% If you'd like to confirm the benefit payable, please complete our dental estimate form. Annual Limit per person: $1,250 Annual Limit per policy: No limit Lifetime Limit: $1,250 Waiting Period: 12 months The above annual limit is a combined limit for General Dental, Major Dental and Orthodontics.	Included Benefit: 100% If you'd like to confirm the benefit payable, please complete our dental estimate form. Annual Limit per person: $800 Annual Limit per policy: No limit Lifetime Limit: $2,000 Waiting Period: 12 months	Included Benefit: 100% If you'd like to confirm the benefit payable, please complete our dental estimate form. Annual Limit per person: $1,000 Annual Limit per policy: No limit Lifetime Limit: $2,500 Waiting Period: 12 months
Optical Optical includes services such as glasses, contact lenses and prescription sunglasses. Even better, HIF members get bonus discounts of up to 25% from a range of retail and online optical stores - Find out more	Included Benefit: 100% for frames, prescription lenses and contact lenses Annual Limit per person: $150 Annual Limit per policy: $300 Waiting Period: 2 months Benefits are payable on prescription optical items.	Included Benefit: 100% for frames, prescription lenses and contact lenses Annual Limit per person: $150 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are payable on prescription optical items.	Included Benefit: 100% for frames, prescription lenses and contact lenses Annual Limit per person: $200 Annual Limit per policy: $400 Waiting Period: 2 months Benefits are payable on prescription optical items.	Included Benefit: 100% for frames, prescription lenses and contact lenses Annual Limit per person: $200 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are payable on prescription optical items.	Included Benefit: 100% for frames, prescription lenses and contact lenses Annual Limit per person: $275 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are payable on prescription optical items.	Included Benefit: 100% for frames, prescription lenses and contact lenses Annual Limit per person: $300 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are payable on prescription optical items..
Physiotherapy Physiotherapy consultations include the treatment of health conditions including sports injuries and musculoskeletal conditions.	Included Benefit: 50% of each consultation Annual Limit: $300 Annual Limit: $600 Waiting period: 2 months The above annual limit is combined for physiotherapy, chiropractic and osteopathy.	Included Benefit: Individual consulatation: $30 Group, hydrotherapy or antenatal: $15 Annual Limit per person: $350 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.	Included Benefit: 60% of each consultation Annual Limit per person: $350 Annual Limit per policy: $700 Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).	Included Benefit: Individual consulatation: $35 Group, hydrotherapy or antenatal: $15 Annual Limit per person: $400 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.	Included Benefit: Individual consulatation: $45 Group, hydrotherapy or antenatal: $20 Annual Limit per person: $500 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for physiotherapy and exercise physiology.	Included Benefit: Individual consulatation: $50 Group, hydrotherapy or antenatal: $20 Annual Limit per person: $750 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for physiotherapy and exercise physiology.
Chiropractic Chiropractic consultations includes services which use spinal adjustments to treat health problems that are related to nerves, skeleton and muscle.	Included Benefit: 50% of each consultation X-ray: 50% Annual Limit: $300 Annual Limit: $600 Waiting period: 2 months The above annual limit is combined for physiotherapy, chiropractic and osteopathy.	Included Benefit: Individual consultation: $25 X-ray: $65 - Max 1 per year Annual Limit per person: $350 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.	Included Benefit: 60% of each consultation X-ray: 60% Annual Limit per person: $350 Annual Limit per policy: $700 Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).	Included Benefit: Individual consultation: $28 X-ray: $70 - Max 1 per year Annual Limit per person: $400 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.	Included Benefit: Individual consultation: $32 X-ray: $85 - Max 1 per year Annual Limit per person: $400 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for chiropractic and osteopathy.	Included Benefit: Individual consultation: $40 X-ray: $110 - Max 1 per year Annual Limit per person: $550 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for chiropractic and osteopathy.
Osteopathy Osteopathy is a holistic approach to health that stresses manual readjustments and physical manipulation of muscle tissue and bones. Osteopathy treatment may include individual exercise routines, relaxation techniques, or body awareness sessions.	Included Benefit: 50% of each consultation Annual Limit per person: $300 Annual Limit per policy: $600 Waiting period: 2 months The above annual limit is combined for physiotherapy, chiropractic and osteopathy.	Included Benefit: Individual consultation: $25 Annual Limit per person: $350 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.	Included Benefit: 60% of each consultation Annual Limit per person: $350 Annual Limit per policy: $700 Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).	Included Benefit: Individual consultation: $28 Annual Limit per person: $400 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.	Included Benefit: Individual consultation: $32 Annual Limit per person: $400 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for chiropractic and osteopathy.	Included Benefit: Individual consultation: $40 Annual Limit per person: $550 Annual Limit per policy: No limit Waiting period: 2 months The above annual limit is combined for chiropractic and osteopathy.
Podiatry consultations Podiatry consultations include the diagnosis, and medical treatment of ailments of the foot, ankle and lower limbs.	Not Included Not covered.	Included Benefit: Individual consultation: $25 Annual Limit per person: $350 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy. Benefits are not payable on podiatry surgery or orthotics.	Included Benefit: 60% of each consultation Annual Limit per person: $350 Annual Limit per policy: $700 Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle). Benefits are not payable on podiatry surgery or orthotics.	Included Benefit: Individual consultation: $28 Annual Limit per person: $400 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics. Benefits are not payable on podiatry surgery or orthotics.	Included Benefit: Individual consultation: $32 Annual Limit per person: $350 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for podiatry consultations includes podiatry surgery (performed in podiatrist’s registered rooms only). Please note: A 12 month waiting period applies for podiatry surgery which is performed in the podiatrist’s registered rooms. Benefits are paid at 80% of the charge up to a maximum of $150 per item.	Included Benefit: Individual consultation: $40 Annual Limit per person: $400 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for podiatry consultations includes podiatry surgery (performed in podiatrist’s registered rooms only). Please note: A 12 month waiting period applies for podiatry surgery which is performed in the podiatrist’s registered rooms. Benefits are paid at 80% of the charge up to a maximum of $150 per item.
Pharmaceuticals (non-PBS) Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. The Non-PBS includes prescription pharmaceuticals which are not listed on the Australian government’s Pharmaceutical Benefits Schemes (PBS). Pharmacy includes pharmaceuticals (non-PBS drugs), flu vaccinations and assisted reproductive drugs on selected covers)	Not Included Not covered.	Included Benefit: 100% of the balance up to $80 per script item, once the PBS amount has been paid. Annual Limit per person: $350 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy. Benefits are not payable on PBS (Pharmaceutical Benefit Scheme) prescription or over the counter items purchased with or without a prescription.	Included Benefit: 60% of the balance, once the PBS amount has been paid Annual Limit per person: $350 Annual Limit per policy: $700 Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle). Benefits are not payable on PBS (Pharmaceutical Benefit Scheme) prescription or over the counter items purchased with or without a prescription.	Included Benefit: 100% of the balance up to $80 per script item, once the PBS amount has been paid. Annual Limit per person: $200 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for pharmacy. Benefits are not payable on PBS (Pharmaceutical Benefit Scheme) prescription or over the counter items purchased with or without a prescription.	Included Benefit: 100% of the balance up to $80 per script item, once the PBS amount has been paid. Annual Limit per person: $300 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for pharmacy. Benefits are not payable on PBS (Pharmaceutical Benefit Scheme) prescription or over the counter items purchased with or without a prescription.	Included Benefit: 100% of the balance up to $80 per script item, once the PBS amount has been paid. Annual Limit per person: $400 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for pharmacy. Benefits are not payable on PBS (Pharmaceutical Benefit Scheme) prescription or over the counter items purchased with or without a prescription.
Assisted Reproductive Drugs Pharmacy includes pharmaceuticals (non-PBS drugs), flu vaccinations and assisted reproductive drugs on selected covers)	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: 100% of the balance up to $80 per script item, once the PBS amount has been paid. Annual Limit per person: $300 Annual Limit per policy: No limit Waiting Period: 12 months The above annual limit is combined for pharmacy.	Included Benefit: 100% of the balance up to $80 per script item, once the PBS amount has been paid. Annual Limit per person: $400 Annual Limit per policy: No limit Waiting Period: 12 months The above annual limit is combined for pharmacy.
Orthotics Orthotics refers to a support, brace or splint used to support, align, prevent or correct the function of movable parts of the body.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: 75% Annual Limit per person: $200 Annual Limit per policy: No limit Waiting Period: 12 months Benefits are paid on items carried out by a registered podiatrist or orthotic supplier, approved by HIF. Benefits are not available for orthotics which are not specifically modified and fitted for the individual member’s condition.	Included Benefit: 75% Annual Limit per person: $250 Annual Limit per policy: No limit Waiting Period: 12 months Benefits are paid on items carried out by a registered podiatrist or orthotic supplier, approved by HIF. Benefits are not available for orthotics which are not specifically modified and fitted for the individual member’s condition.
Complementary therapies Complementary therapies includes commonly used services such as acupuncture, traditional chinese medicine, remedial massage and myotherapy.	Not Included Not covered.	Included Benefit: Individual consultation: $25 Annual Limit per person: $100 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for acupuncture, myotherapy, remedial massage and traditional chinese medicine. Benefits are not payable on medicines.	Included Benefit: 60% of each consultation Annual Limit per person: $150 Annual Limit per policy: $300 Waiting Period: 2 months The limits detailed above are subject to a combined overall person limit of $350 and policy limit of $700 for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle. Benefits are not payable on medicines.	Included Benefit: Individual consultation: $28 Annual Limit per person: $150 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for acupuncture, myotherapy, remedial massage and traditional chinese medicine. Benefits are not payable on medicines.	Included Benefit: Individual consultation: $32 Annual Limit per person: $250 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for acupuncture, myotherapy, remedial massage and traditional chinese medicine. Benefits are not payable on medicines.	Included Benefit: Individual consultation: $40 Annual Limit per person: $500 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for acupuncture, myotherapy, remedial massage and traditional chinese medicine. Benefits are not payable on medicines.
Dietetics Dietetics includes consultations with a dietitician or nutritionist who provide guidance on how to manage diets for people who may be affected by health conditions such as diabetes, weight managment, cancer, heart disease, renal disease, gastro-intestinal diseases and food allergies.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: Individual consultation: $30 Annual Limit per person: $400 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.	Included Benefit: Individual consultation: $40 Annual Limit per person: $350 Annual Limit per policy: No limit Waiting Period: 2 months	Included Benefit: Individual consultation: $45 Annual Limit per person: $400 Annual Limit per policy: No limit Waiting Period: 2 months
Healthy Lifestyle Healthy Lifestyle includes services such as Gym Memberships, Weight Management Programs, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings	Not Included Not covered.	Included Benefit: 100% of the fee for each individual treatment or service Annual Limit per person: $50 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing a program to confirm your eligibility.	Included Benefit: 60% of the fee for each individual treatment or service Annual Limit per person: $150 Annual Limit per policy: $300 Waiting Period: 2 months The limits detailed above are subject to a combined overall person limit of $350 and policy limit of $700 for physiotherapy, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle. Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing a program to confirm your eligibility.	Included Benefit: 100% of the fee for each individual treatment or service Annual Limit per person: $75 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing a program to confirm your eligibility.	Included Benefit: 100% of the fee for each individual treatment or service Annual Limit per person: $100 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing a program to confirm your eligibility.	Included Benefit: 100% of the fee for each individual treatment or service Annual Limit per person: $150 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing a program to confirm your eligibility.
Occupational therapy Occupational therapy consultations help people with developmental, physical and psychological conditions.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: $40 per consultation Annual Limit per person: $500 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for occupational therapy, orthoptics (eye therapy) and speech therapy.	Included Benefit: $45 per consultation Annual Limit per person: $600 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for occupational therapy, orthoptics (eye therapy) and speech therapy.
Orthoptics (eye therapy) Orthoptics is the study or treatment of irregularities of the eyes, especially those of the eye muscles that prevent normal binocular vision.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: $40 per consultation Annual Limit per person: $500 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are paid on items carried out by a registered orthoptics supplier, approved by HIF. The above annual limit is combined for occupational therapy, orthoptics (eye therapy) and speech therapy.	Included Benefit: $45 per consultation Annual Limit per person: $600 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are paid on items carried out by a registered orthoptics supplier, approved by HIF. The above annual limit is combined for occupational therapy, orthoptics (eye therapy) and speech therapy.
Speech therapy Speech therapy is the study, diagnosis and treatment for communication disorders, including difficulties with speaking, listening, understanding language, and reading, and writing, social skills, stuttering and using voice.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: $60 per consultation Annual Limit per person: $500 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for occupational therapy, orthoptics (eye therapy) and speech therapy.	Included Benefit: $65 per consultation Annual Limit per person: $600 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for occupational therapy, orthoptics (eye therapy) and speech therapy.
Psychology Psychology is the science of behaviour & mind, embracing all aspects of conscious and unconscious experience as well as thought. Clinical psychologists diagnose and treat mental health, behavioural and emotional disorders such an anxiety, depression and chronic illness.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: $80 per consultation Annual Limit per person: $700 Annual Limit per policy: No limit Waiting Period: 2 months	Included Benefit: $90 per consultation Annual Limit per person: $700 Annual Limit per policy: No limit Waiting Period: 2 months
Hearing Aids Hearing aids are a device to amplify and change sound to assist with hearing impairments.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: 100% Replacement every 3 years from previous date of supply Annual Limit per person: $550 Annual Limit per policy: No limit Waiting Period: 12 months	Included Benefit: 100% Replacement every 3 years from previous date of supply Annual Limit per person: $1,000 Annual Limit per policy: No limit Waiting Period: 12 months
Emergency ambulance Emergency ambulance refers to the cost of emergency ambulance transport and emergency treatment by paramedics.	Included Benefit: 100% for one emergency ambulance service per person Annual Limit per person: 1 Annual Limit per policy: No limit Waiting Period: 1 day Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each emergency ambulance service Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 1 day Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each emergency ambulance service. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 1 day Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each emergency ambulance service. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 1 day Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each emergency ambulance service. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 1 day Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each emergency ambulance service. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 1 day Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).
Non-emergency ambulance Non-emergency ambulance refers to the cost of non-emergency ambulance transport and treatment by paramedics.	Not Included Not covered.	Included Benefit: 100% of the fee for each non-emergency ambulance service. A $50 per trip co-payment (to be paid by the member) will apply. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 30 days Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each non-emergency ambulance service. A $50 per trip co-payment (to be paid by the member) will apply. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 30 days Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each non-emergency ambulance service. A $50 per trip co-payment (to be paid by the member) will apply. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 30 days Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each non-emergency ambulance service. A $50 per trip co-payment (to be paid by the member) will apply. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 30 days Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).	Included Benefit: 100% of the fee for each non-emergency ambulance service. A $50 per trip co-payment (to be paid by the member) will apply. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 30 days Not covered: - Transportation from a hospital to your home, nursing home or other hospital. - Transportation for ongoing medical treatment. - Off road or air ambulance (e.g. plane, helicopter or boat).
Exercise physiology Exercise physiologists specialise in clinical exercise interventions for people with a broad range of health issues. The aims of exercise physiology interventions are to prevent or manage acute, sub-acute or chronic disease or injury, and assist in restoring one’s optimal physical function, health or wellness.	Not Included Not covered.	Included Benefit: Individual consultation: $20 Annual Limit per person: $350 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.	Included Benefit: 60% of each consultation Annual Limit per person: $350 Annual Limit per policy: $700 Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle.	Included Benefit: Individual consultation: $25 Annual Limit per person: $400 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.	Included Benefit: Individual consultation: $30 Annual Limit per person: $500 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for physiotherapy and exercise physiology.	Included Benefit: Individual consultation: $35 Annual Limit per person: $750 Annual Limit per policy: No limit Waiting Period: 2 months The above annual limit is combined for physiotherapy and exercise physiology.
Health Aids, Appliances and External Prothesis Health Aids, Appliances and External Prothesis include items such as circulation boosters, TENS machines, CAM Walker, Artificial limbs, Wigs and Mammary Prothesis	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: 75% Annual Limit per person: $500 Annual Limit per policy: No limit Waiting Period: 12 months This includes the purchase of appliance or prosthetics only. Benefits are paid on HIF approved prosthetics items such as artificial limbs, wigs and external mammary prostheses and approved medical devices such as a TENS machine, CPAP Machine, Circulation Booster and CAM Walker. Sub-limits apply depending on the item, and other conditions apply. Please contact us for details prior to purchasing.	Included Benefit: 75% Annual Limit per person: $800 Annual Limit per policy: No limit Waiting Period: 12 months This includes the purchase of appliance or prosthetics only. Benefits are paid on HIF approved prosthetics items such as artificial limbs, wigs and external mammary prostheses and approved medical devices such as a TENS machine, CPAP Machine, Circulation Booster and CAM Walker. Sub-limits apply depending on the item, and other conditions apply. Please contact us for details prior to purchasing.
Breathing appliances Breathing appliances include services such as Asthmatic spacers, Peak Flow Meter, Humidifier and Nebulisers.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: 75% Annual Limit per person: $200 Annual Limit per policy: No limit Waiting Period: 12 months	Included Benefit: 75% Annual Limit per person: $200 Annual Limit per policy: No limit Waiting Period: 12 months
Blood glucose monitor and blood pressure monitor A blood glucose monitor is a device to measure the concentration of glucose in the blood. A blood pressure monitor is a device used to measure blood pressure.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: 75% 1 device every 3 years. Annual Limit per person: $200 Annual Limit per policy: No limit Waiting Period: 12 months Purchase per monitor only.	Included Benefit: 75% 1 device every 3 years. Annual Limit per person: $200 Annual Limit per policy: No limit Waiting Period: 12 months Purchase per monitor only.
Diabetes Education Diabetes Educators teach, coach and guide patients so they understand their diabetes and how it affects their personal lives, and work with them to set (and meet) behaviour change goals to improve their health.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: $25 per consultation Annual Limit per person: $150 Annual Limit per policy: No limit Waiting Period: 2 months	Included Benefit: $30 per consultation Annual Limit per person: $180 Annual Limit per policy: No limit Waiting Period: 2 months
Auxillary Home Nursing Auxillary Home Nursing includes services for people that require a registered nurse to assess, initiate and oversea nursing interventions in a home setting where appropriate.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Benefit: $75 per visit Annual Limit per person: $450 Annual Limit per policy: No limit Waiting Period: 2 months	Included Benefit: $100 per visit Annual Limit per person: $500 Annual Limit per policy: No limit Waiting Period: 2 months
Flu Vaccinations Flu vaccinations include a benefit towards your annual flu vaccination. Pharmacy includes pharmaceuticals (non-PBS drugs), flu vaccinations and assisted reproductive drugs on selected covers)	Not Included Not covered.	Included Benefit: $20 (1 per person, per calendar year) Annual Limit per person: $350 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are only payable from a registered pharmacy. The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.	Included Benefit: $20 (1 per person, per calendar year) Annual Limit per person: $350 Annual Limit per policy: $700 Waiting Period: 2 months Benefits are only payable from a registered pharmacy. The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).	Included Benefit: $20 (1 per person, per calendar year) Annual Limit per person: $200 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are only payable from a registered pharmacy. The above annual limit is combined for pharmacy.	Included Benefit: $20 (1 per person, per calendar year) Annual Limit per person: $300 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are only payable from a registered pharmacy. The above annual limit is combined for pharmacy.	Included Benefit: $20 (1 per person, per calendar year) Annual Limit per person: $400 Annual Limit per policy: No limit Waiting Period: 2 months Benefits are only payable from a registered pharmacy. The above annual limit is combined for pharmacy.
Mental Health Navigator Mental Health Navigator is a discreet, quick and confidential service (for HIF members 18 years and over) that provides an expert review of your mental health diagnosis plus and ongoing treatment plan with support. It provides access to a network of leading Australian-based clinical psychologists, psychiatrists and mental health nurses who will review your current condition (and when needed) modify your diagnosis.	Included Annual Limit per person: Unlimited Annual Limit per policy: Unlimited	Included Annual Limit per person: Unlimited Annual Limit per policy: Unlimited	Included Annual Limit per person: Unlimited Annual Limit per policy: Unlimited	Included Annual Limit per person: Unlimited Annual Limit per policy: Unlimited	Included Annual Limit per person: Unlimited Annual Limit per policy: Unlimited	Included Annual Limit per person: Unlimited Annual Limit per policy: Unlimited
HIF Second Opinion HIF Second Opinion provides an expert review of your physical health diagnosis and ongoing treatment plan with support.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Not Included Not covered.	Included Annual Limit per person: Unlimited Annual Limit per policy: Unlimited