Get your domestic hospital and extras cover sorted

Step 1

Who's your cover for

Displaying options for
 
living in
 
with
 
earning
 
holding a
 
Medicare Card
Step 2

Choose your Hospital Cover

Compare your Hospital cover options to find the perfect level of cover for you, your family and your financial needs. 

Basic Plus

Basic Plus Hospital Cover
 

Basic cover in the event of an accident.

  • Private room in an HIF-contracted hospital1
  • Treatment in the event of an accident 
  • Avoid the Medicare Levy Surcharge (MLS)

Bronze

Bronze Hospital Cover
 

Great value for the young, fit and healthy.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 18 hospital clinical categories 
  • Avoid the Medicare Levy Surcharge (MLS)

Bronze Plus

Bronze Plus Hospital Cover
 

Like Bronze, plus five additional services.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 23 hospital clinical categories 
  • Choice of higher excess 

Silver

Silver Hospital Cover
 

Intermediate cover.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 26 hospital clinical categories 
  • Choice of higher excess

Silver Plus

Silver Plus Hospital Cover
 

Comprehensive cover, minus maternity.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 32 hospital clinical categories
  • Choice of higher excess 
  • Second Opinion on any diagnosis, condition or treatment

Gold Top

Gold Top Hospital Cover
 

Top hospital cover option for total peace of mind.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 38 hospital clinical categories
  • Choice of higher excess 
  • Includes pregnancy and birth cover
  • Second opinion on any diagnosis, condition or treatment
Step 3

Choose your Extras Cover

Compare your options and choose the level of cover that suits your needs, budget and lifestyle. From our entry level Basic Extras, through to our Top Extras cover which includes HIF Second Opinion, giving you access to the best medical advice from the world’s leading specialists.

Basic

Basic Extras
 

Basic Extras is our entry-level cover, providing 50% or more back on commonly used services such as general dental, optical, physio, chiro, osteo and emergency ambulance!

  • Emergency Ambulance - 100% for one emergency ambulance3
  • Optical - Annual limit $150 per person I 300 per policy4
  • Your choice of any service provider

Value

Value Extras
 

Value-packed Extras includes services for common health needs such as general dental, optical, physio, chiro, pharmacy, complementary therapies, healthy lifestyle and more.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • Optical - Annual limit $150 per person4
  • General dental - Annual limit $750 per person 
  • Your choice of any service provider

Simple

Simple Extras
 

Simple Extras is just that, simple. It provides 60% or more back on services like general and major dental, ambulance, optical, chiro, physio, osteo, pharmacy and more.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • General dental - Annual limit $600 per person I $1200 per policy 
  • Major dental - Annual limit $600 per person I $1200 per policy 
  • Optical - Annual limit $200 per person I $400 per policy4
  • Your choice of any service provider

Essential

Essential Extras
 

Essential Extras includes essential services like general and major dental, orthodontics, optical, chiro, physio, podiatry, ambulance, pharmacy, dietetics, complementary therapies and more.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • General dental, Major dental & Orthodontic - Combined annual limit $1250 per person 
  • Physio, Chiro & Osteo, Exercise Physiology, Podiatry and Dietetics - Combined annual limit $400 per person 
  • Optical - Annual limit $200 per person4
  • Your choice of any service provider

Advanced

Advanced Extras
 

Our higher value Extras cover, Advanced Extras includes 20+ services from general and major dental, orthodontics, physio, chiro, podiatry, pharmacy, psychology and more.

  • Emergency Ambulance - 100% of the fee3
  • Non-Emergency Ambulance3
  • General dental - Annual limit $1000 per person 
  • Major dental - Annual limit $1000 per person 
  • Optical - Annual limit $275 per person4
  • Physio & Exercise Physiology - Combined Annual limit $500 per person
  • Cover for 20+ Extras services 
  • Your choice of any service provider

Top

Top Extras
 

Top by name, top by nature. Our premium cover includes larger benefits and higher limits. Plus access to HIF Second Opinion and Mental Health Navigator.

  • Emergency Ambulance - 100% of the fee3
  • Non-Emergency Ambulance3
  • General dental - Unlimited 
  • Major dental - Annual limit $1500 per person
  • Optical - Annual limit $300 per person4
  • Cover for 20+ Extras services 
  • Access a second opinion on any diagnosis or treatment from a world leading expert
  • Your choice of any service provider
 
 


 



Price is based on your chosen cover details and has the highest hospital excess applied (where applicable). Excludes any Lifetime Health Cover (LHC) Loading.
1 Private room subject to availability.
2 Please read carefully and in conjunction with HIF's product factsheets.
~ Price is based on your chosen cover details. 
3 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). If your ambulance is classified as 'Non-emergency' a $50 co-payment will apply.   
4 Benefits are payable on prescription optical items.