Choose from our range of award wnning Extras cover options.

Mention Extras health insurance and people tend to glaze over. It can seem a bit dull. But it’s not. Our Extras cover is a wonderful thing, supplementing your private hospital cover with handy everyday services like ambulance, dental, optical, physio, and chiro plus complementary therapies like acupuncture and remedial massage. And with some of the lowest premiums in Australia, our popular Extras are great value for money too, providing peace of mind from as little as $3.55/wk. 

 HIF Extras Cover is amongst the cheapest in Australia

First up - what is Extras cover?

Extras health cover provides added peace of mind, covering you for those essential health services you’re most likely to need on a regular basis. The Extras services most commonly accessed by our members include dental, optical, physiotherapy, chiropractic, osteopathy, podiatry consultations and pharmacy drugs, plus "Complementary Therapies" (acupuncture, naturopathy, remedial massage and more) and "Healthy Lifestyle" services (like skin cancer screenings and weight loss programs). But that's not all - HIF Extras cover also pays benefits on many other services too including emergency ambulance, dietetics, speech therapy, orthotic appliances, hearing aids, asthmatic spacers and more. Check out our Extras comparison table to view the full list of services available.

News flash: HIF Extras awarded Five Stars for Outstanding Value by CANSTAR. Find out more...

Why choose HIF Extras cover?

As well as offering some of the lowest premiums in Australia, we also don’t restrict our members to using ‘preferred suppliers’ (unlike certain other funds we could mention). So if you want to visit the dentist up the road, feel free! We’ve even waived all 2 month Extras waiting periods, so if you join now you can claim straight away on most services. Your member card will enable you to  claim on the spot for most services, and on those rare occasions where a provider doesn't offer an eClaiming facility, simply use our SmartClaim mobile app instead - it's as simple as tap, snap and go!

Select the extras option that suits your lifestyle, health and budget.

HIF Vital Options Extras cover - From $0.53 per day HIF Saver Options Extras cover - From $0.61 per day HIF Special Options Extras cover - From $1.00 per day HIF Super Options Extras cover - From $1.59 per day HIF Premium Options Extras cover - From $2.10 daily

Just need cover for the essentials? No worries. Vital Options offers great value, entry-level Extras for singles and couples. It covers all those vital ‘general treatment’ services you might need; e.g. emergency ambulance, chiro, physio, osteo and general dental, plus some endodontic and periodontal items. With Vital Options, we'll pay a rebate of 50% back for each treatment or service until you reach the $800 per person annual limit. Easy!

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Saver Options provides great value Extras cover. It’s ideal for young people who want affordable cover for common services including (but certainly not limited to) general dental, optical, chiropractic, physiotherapy, osteopathy,healthy lifestyle services, complementary therapies and ambulance.

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Special Options includes all those essential services like dental, optical, podiatry, chiropractic, pharmacy, physiotherapy, ambulance and more. A step up from Saver Options, Special Options also covers Major Dental service (such as orthodontics, crowns and bridges), and also offers higher benefits for services such as Optical and Healthy Lifestyle.

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Drum roll please... Introducing our most popular extras  health insurance cover. Super Options has practically everything you could wish for – major dental, chiro, physio, optical to name just a few, plus it covers a host of other services like orthoptics (eye therapy) and speech therapy.

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Here it is, the extras health insurance cover to top all extras health insurance covers. Premium Options has it all. It’s big on everyday healthcare services, covering all the essentials like dental, chiropractic, physiotherapy, osteopathy and optical, as well as other services like orthoptics (eye therapy), occupational therapy, speech therapy and hearing aids. And it’s also big on benefits, with larger rebates and higher annual limits all round.

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Please note: The daily pricing (above) is based on a single policy after deducting a 29.04% Federal Government Rebate on Private Health Insurance and is paid by direct debit on an annual basis. Depending on your current circumstances, the rebate applicable may be reduced due to the new rebate means testing which was introduced on 1 July 2012. This pricing is correct as of 1 April 2014.

Get a quick quote.

Take a look at our Extras comparison table or use our interactive product selector to get a quote. Alternatively, download a brochure or get in touch  – we’re always happy to explain how our private health cover options work, wherever you are in Australia.