Special Options. Extras Cover That Includes Major Dental.

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 cover Major Dental service (such as orthodontics, crowns and bridges), and also offer higher benefits for services such as Optical and Healthy Lifestyle Services.  

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 HIF Extras Cover is amongst the cheapest in Australia

Special Options Extras Cover from a tiny $1.14 per day.

Important information:

FAQ 1 to 4 of 4


1. What Extras services are included on this product?
  • Ambulance
  • Chiropractic
  • Complementary therapies (acupuncture, naturopathy, remedial massage and more)
  • Dental (General)
  • Dental (Major)
  • Dietetics
  • Healthy Lifestyle (skin cancer screenings, weight loss programs, pilates, yoga and more)
  • Optical
  • Osteopathy
  • Pharmacy drugs
  • Physiotherapy
  • Podiatry consultations

If you are planning dental treatment in the future, please call HIF prior to treatment on 1300 13 40 60 to confirm that you will be covered. 

So emergency ambulance services are included?

That’s right. There's no limit to the number of emergency ambulance services you may require in any year. Where taken to the emergency department of a hospital for necessary treatment, HIF will cover 100% of the charge (however for non-urgent ambulance services you will be required to make a $50 co-payment toward the cost of each service). That’s great value when you consider Medicare doesn’t cover urgent ambulance transport, which can cost over $900.

2. Are there any annual limits, exclusions or restrictions?

Annual Limits: To view the annual limits for all Extras services covered on a Special Options policy, check out our Extras Cover Comparison Table or download a copy of our Product Disclosure Statement

Exclusions: Ambulance benefits are not payable for:

  • Transportation from a hospital to your home, nursing home or other hospital (except for inter-hospital transfers relating to an emergency or new illness, where approved by HIF);
  • Transportation for ongoing medical treatment; and
  • Off-road or air ambulance services.

Restrictions: Claims must be made within two years of the service being provided.

3. What about waiting periods?

All health funds have to enforce waiting periods. It's the only way we can protect our members from people who simply join our fund to claim large amounts and then leave. However, we try to keep waiting periods to a minimum. That's why, if you switch to HIF from another health fund, we'll honour your full length of membership with your previous fund,(meaning you won’t have to re-serve any unnecessary waiting periods), plus we'll give you an immediate loyalty benefit under HIF's Extras loyalty program.

If you aren't switching from another health fund, our standard waiting periods are:

  • Up to 12 months for dental (general limited) and dental (major) benefits
  • 2 months for all other services - although these are often waived as a new member promotion, see our Special Offers page for more details
4. What is HIF's Member Loyalty Program?

Like most Extras health covers, there are annual limits for most services under Special Options, which means there’s a limit on how much we will pay toward your claims every year.  Each January, however, your benefit limits will be refreshed. What’s more, if you retain cover, we’ll increase your annual limits on a number of services.

For example, benefits and annual limits for general dental services increase each year for the first 5 years of membership. Similarly, benefits and annual limits for complementary therapy services will increase after 3 years’ membership, and optical benefits increase after 5 years.

To view the annual limits for all Extras services covered on a Saver Options policy, check out our Extras Cover Comparison Table or download a copy of our Product Disclosure Statement

Find out more about HIF Extras Cover.

Visit our online knowledge base to learn more about our popular range of Extras Cover options. Common questions include:

  • What is the difference between 'general dental' and 'major dental'?
  • What is Remedial Massage?
  • What are Complementary Therapies?
  • Which dentists can I use with HIF?
  • Can I buy my glasses and contacts online and still claim with HIF?
  • Can I claim a rebate on a weight loss program?

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

Please note: The daily pricing (above) is based on a single policy in WA paid by direct debit on an annual basis after deducting a 25.934% 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 2017. Prices may vary for other states and territories.