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:
- 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