Vital Options. Extras Cover For Just The Essentials

Vital Options offers great value, entry-level Extras for singles and couples.

It covers all those vital ‘general treatment’ services you might need including chiro, osteo, physio, emergency ambulance 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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 HIF Extras Cover is amongst the cheapest in Australia

Vital Options Extras Cover from a tiny 58¢ per day.

Important information:

FAQ 1 to 3 of 3


1. What Extras services are included on this product?

The following Extras services are covered by Vital Options:

Please note: Benefits are only payable on the following dental items:

  • General Dental: 011 – 017, 022, 025 – 171, 311 – 314, 322 - 399, 511 - 535, 572 – 597, 911 - 986. 
  • Endodontic:  411 – 458 
  • Periodontal: 213 – 247
There are some items within item 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 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. If you need urgent ambulance transport, Vital Options cover will pay 50% of the bill up to the maximum annual limit of $800 per person. That’s great value when you consider Medicare doesn’t cover urgent ambulance transport, which can cost over $900! 

2. How much can I claim?

With a combined annual limit of $800 per person per year, Vital Options gives you complete freedom to choose how you use your limit. Whether it’s for a quick check-up at the dentist or a couple of visits to your chiropractor, you can choose the services you’d like to use and we’ll pay back 50% on each service claimed until you reach your maximum annual limit of $800.

For example, you can claim up to $800 on dental services each year, or you can split your limit across more of the services covered by Vital Options, say $250 on dental, $400 on osteo and $150 on chiro – simple! 

3. What waiting periods apply?

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).

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

2 months:

  • Chiropractic
  • Osteopathy
  • Physiotherapy
  • General Dental items: 011 – 017, 022, 025 – 171, 311 – 314, 332 - 399, 511 - 535, 572- 597, 911 – 986
  • Periodontal items: 213 - 247
  • Endodontic items: 411 - 458
  • Emergency Ambulance

12 months: General Dental items: 322 - 331, 595 - 596

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 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 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.