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Teeth
Dental consultation

Please contact us if you'd like more info or wish to receive a benefit estimate.

Click here to view our top dental services and benefits by item number.

Included

Dental Category:
General Dental

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986. 

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $750
Year 2: $850
Year 3: $950
Year 4: $1,050
Year 5: $1,150
5+ years: $1,250

Waiting period: 2 months

Included

Dental Category: 
General Dental (Limited)

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services.

Waiting period: 2 months

Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,500
Year 2: $1,800
Year 3: $2,100
Year 4: $2,400
Year 5: $2,700
After 5 years: $3,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Scale and clean

Please contact us if you'd like more info or wish to receive a benefit estimate.

Click here to view our top dental services and benefits by item number.

Included

Dental Category:
General Dental

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance

General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit:
Year 1: $750
Year 2: $850
Year 3: $950
Year 4: $1,050
Year 5: $1,150
5+ years: $1,250

Waiting period: 2 months

Included

Dental Category: 
General Dental (Limited)

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services.

Waiting period: 2 months

Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,500
Year 2: $1,800
Year 3: $2,100
Year 4: $2,400
Year 5: $2,700
After 5 years: $3,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Bleaching

Please contact us if you'd like more info or wish to receive a benefit estimate.

Click here to view our top dental services and benefits by item number.

Included

Dental Category:
General Dental

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $750
Year 2: $850
Year 3: $950
Year 4: $1,050
Year 5: $1,150
5+ years: $1,250

Waiting period: 2 months

Please note: A maximum of 4 teeth can be claimed per calendar year.

Included

Dental Category: 
General Dental (Limited)

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services.

Waiting period: 2 months

Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Please note: A maximum of 8 teeth can be claimed per calendar year.

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Please note: A maximum of 10 teeth can be claimed per calendar year.

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,500
Year 2: $1,800
Year 3: $2,100
Year 4: $2,400
Year 5: $2,700
After 5 years: $3,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Please note: A maximum of 12 teeth can be claimed per calendar year.

X-rays

Please contact us if you'd like more info or wish to receive a benefit estimate.

Click here to view our top dental services and benefits by item number.

Included

Dental Category:
General Dental

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986.

Waiting period: 2 months

Included

Dental Category:
General Dental (Unlimited)

Per person annual limit: Unlimited.

Waiting period: 2 months

Included

Dental Category: 
General Dental (Limited)

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services.

Waiting period: 2 months

Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Included

Dental Category:
General Dental (Unlimited)

Per person annual limit: Unlimited.

Waiting period: 2 months

Included

Dental Category:
General Dental (Unlimited)

Per person annual limit: Unlimited.

Waiting period: 2 months

Included

Dental Category:
General Dental (Unlimited)

Per person annual limit: Unlimited.

Waiting period: 2 months

Dentist-fitted sports mouthguard

Please contact us if you'd like more info or wish to receive a benefit estimate.

Click here to view our top dental services and benefits by item number.

Included

Dental Category:
General Dental

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $750
Year 2: $850
Year 3: $950
Year 4: $1,050
Year 5: $1,150
5+ years: $1,250

Waiting period: 2 months

Included

Dental Category: 
General Dental (Limited)

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services.

Waiting period: 2 months

Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,500
Year 2: $1,800
Year 3: $2,100
Year 4: $2,400
Year 5: $2,700
After 5 years: $3,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Adhesive restorations / fillings

Please contact us if you'd like more info or wish to receive a benefit estimate.

Click here to view our top dental services and benefits by item number.

Included

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

General Dental item numbers covered on this policy:
521-526, 531-536

Waiting period: 2 months

Included

Dental Category 1:
General Dental (Unlimited)

Item numbers covered in this category: 521-525, 531-535

Per person annual limit for this category:
Year 1: $750
Year 2: $850
Year 3: $950
Year 4: $1,050
Year 5: $1,150
5+ years: $1,250

Waiting period: 2 months


Dental Category 2:
General Dental (Limited)

Item numbers covered in this category: 526, 536

Per person annual limit: Unlimited.

Waiting period: 2 months

Included

Dental Category: 
General Dental (Limited)

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services.

Waiting period: 2 months

Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Included

Dental Category 1:
General Dental (Unlimited)

Item numbers covered in this category: 521-525, 531-535

Per person annual limit for this category:
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months


Dental Category 2:
General Dental (Limited)

Item numbers covered in this category: 526, 536

Per person annual limit: Unlimited.

Waiting period: 2 months

Included

Dental Category 1:
General Dental (Unlimited)

Item numbers covered in this category: 521-525, 531-535

Per person annual limit for this category:
Year 1: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months


Dental Category 2:
General Dental (Limited)

Item numbers covered in this category: 526, 536

Per person annual limit: Unlimited.

Waiting period: 2 months

Included

Dental Category 1:
General Dental (Unlimited)

Item numbers covered in this category: 521-525, 531-535

Per person annual limit for this category:
Year 1: $1,500
Year 2: $1,800
Year 3: $2,100
Year 4: $2,400
Year 5: $2,700
After 5 years: $3,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months


Dental Category 2:
General Dental (Limited)

Item numbers covered in this category: 526, 536

Per person annual limit: Unlimited.

Waiting period: 2 months

Removal of permanent teeth

Please contact us if you'd like more info or wish to receive a benefit estimate.

Click here to view our top dental services and benefits by item number.

Included

General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986.

Major Dental item numbers covered on this policy: 322-331, 595-596.

Waiting period:
 - 2 months for standard extraction
 - 12 months for surgical extraction

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Included

STANDARD EXTRACTION

Dental Category:
General Dental (Unlimited)

Per person annual limit: Unlimited.

Waiting period: 2 months

SURGICAL EXTRACTION

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $750
Year 2: $850
Year 3: $950
Year 4: $1,050
Year 5: $1,150
5+ years: $1,250

Waiting period: 12 months

Included

Dental Category: 
General Dental (Limited)

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services.

Waiting period: 2 months

Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Included

STANDARD EXTRACTION

Dental Category:
General Dental (Unlimited)

Per person annual limit: Unlimited.

Waiting period: 2 months

SURGICAL EXTRACTION

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months

Included

STANDARD EXTRACTION

Dental Category:
General Dental (Unlimited)

Per person annual limit: Unlimited.

Waiting period: 2 months

SURGICAL EXTRACTION

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,500

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months

Included

STANDARD EXTRACTION

Dental Category:
General Dental (Unlimited)

Per person annual limit: Unlimited.

Waiting period: 2 months

SURGICAL EXTRACTION

Dental Category:
General Dental (Limited)

Per person annual limit for this category:
Year 1: $1,500
Year 2: $1,800
Year 3: $2,100
Year 4: $2,400
Year 5: $2,700
After 5 years: $3,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months

Endodontic

Please contact us if you'd like more info or wish to receive a benefit estimate.

Included

Dental category: Periodontic and Endodontic

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Item numbers covered: 411-458

Waiting period: 2 months

Not Included

Not covered.

Included

Dental Category:
Periodontic and Endodontic

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for Major Dental services.

Waiting period: 2 months

Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Included

Dental category: Periodontic and Endodontic

Per person annual limit for this category:
Year 1: $300
Year 2: $400
Year 3: $500
Year 4: $600
Year 5: $700
After 5 years: $800

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note, an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental category: Periodontic and Endodontic

Per person annual limit for this category:
Year 1: $500
Year 2: $600
Year 3: $700
Year 4: $800
Year 5: $900
After 5 years: $1,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note, an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental category: Periodontic and Endodontic

Per person annual limit for this category:
Year 1: $700
Year 2: $800
Year 3: $900
Year 4: $1,000
Year 5: $1,100
After 5 years: $1,200

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note, an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Periodontic

Please contact us if you'd like more info or wish to receive a benefit estimate.

Included

Dental category: Periodontic and Endodontic

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Item numbers covered: 213-251

Waiting period: 2 months

Not Included

Not covered.

Included

Dental Category:
Periodontic and Endodontic

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for Major Dental services.

Waiting period: 12 months

Included

Dental category: Periodontic and Endodontic

Per person annual limit for this category:
Year 1: $300
Year 2: $400
Year 3: $500
Year 4: $600
Year 5: $700
After 5 years: $800

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental category: Periodontic and Endodontic

Per person annual limit for this category:
Year 1: $500
Year 2: $600
Year 3: $700
Year 4: $800
Year 5: $900
After 5 years: $1,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Included

Dental category: Periodontic and Endodontic

Per person annual limit for this category:
Year 1: $700
Year 2: $800
Year 3: $900
Year 4: $1,000
Year 5: $1,100
After 5 years: $1,200

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details).

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 2 months

Orthodontic

Please note: Orthodontic limits are lifetime limits per person. Benefits are not payable in excess of the annual limit shown and include benefits paid under another health insurance policy. The applicable benefit is payable on the date the service is rendered, e.g. the date braces are fitted.

Please contact us if you'd like more info or wish to receive a benefit estimate.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Dental category: Orthodontic

Per person lifetime limit:
Year 1: $1,000
Year 2: $1,200
Year 3: $1,400
Year 4: $1,600
Year 5: $1,800
After 5 years: $2,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic.

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months

 
Included

Dental category: Orthodontic

Per person lifetime limit:
Year 1: $1,300
Year 2: $1,500
Year 3: $1,700
Year 4: $1,900
Year 5: $2,200
After 5 years: $2,500

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic.

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months

Included

Dental category: Orthodontic

Per person lifetime limit:
Year 1: $1,500
Year 2: $1,800
Year 3: $2,100
Year 4: $2,400
Year 5: $2,700
After 5 years: $3,000

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic.

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months

 
Dentures, crowns and bridges

Please contact us if you'd like more info or wish to receive a benefit estimate.

Not Included

Not covered.

Not Included

Not covered.

Included

Dental Category:
Dentures, Crowns and Bridges

Benefit:
60% of provider fee

Per person annual limit: 
$600/year

Limit per policy: 
$1200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for Major Dental services.

Waiting period: 12 months

Included

Dental category: Dentures, Crowns and Bridges.

Per person annual limit for this category:
Year 1: $600
Year 2: $700
Year 3: $800
Year 4: $900
Year 5: $1,000
After 5 years: $1,100

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures, Crowns and Bridges, Periodontic, Endodontic, and Orthodontic.

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months

Included

Dental category: Dentures, Crowns and Bridges.

Per person annual limit for this category:
Year 1: $900
Year 2: $1,000
Year 3: $1,100
Year 4: $1,200
Year 5: $1,300
After 5 years: $1,400

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures, Crowns and Bridges, Periodontic, Endodontic, and Orthodontic.

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months.

Included

Dental category: Dentures, Crowns and Bridges.

Per person annual limit for this category:
Year 1: $1,200
Year 2: $1,300
Year 3: $1,400
Year 4: $1,500
Year 5: $1,600
After 5 years: $1,700

The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures, Crowns and Bridges, Periodontic, Endodontic, and Orthodontic.

Total dental annual limit: Please note  - an overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting period: 12 months

Bones, joints and muscles
Physiotherapy

Category: Physiotherapy

Included

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting period: 2 months

Included

Benefit:

$32 per visit up to a max. 10 visits
$13 - antenatal
$13 - hydrotherapy
$13 - group

Per person annual limit: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle,  pharmacy, osteo, physio and podiatry consultations.

A $250 sub-limit applies for antenatal, group and hydrotherapy sessions.  

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit: 
$350/year

Limit per policy: 
$700/year

The limits detailed above are subject to a combined overall annual limit of $350 per person per policy and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. 

Waiting period: 2 months

Included

Benefit:

$35 per visit up to a max. 10 visits
$13 - antenatal
$13 - hydrotherapy
$13 - group

Per person annual limit: $450/year

Limit per policy: $900/year

The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

A $300 sub-limit applies for antenatal, group and hydrotherapy sessions.  

Waiting period: 2 months

Included

Benefit:

$40 per visit up to a max. 12 visits
$13 - antenatal
$13 - hydrotherapy
$13 - group

Per person annual limit:
Up to 5 years: $900/year
Over 5 years: $1,100/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

A sub-limit of $450 applies for antenatal, group and hydrotherapy sessions. 

Waiting period: 2 months

Included

Benefit:

$50 per visit up to a max.  15 visits
$15 - antenatal
$15 - hydrotherapy
$15 - group

Per person annual limit:
Up to 5 years: $1200/year
Over 5 years: $1500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

A sub-limit of $600 applies for antenatal, group and hydrotherapy sessions.  

Waiting period: 2 months

Chiropractic

Category: Chiropractic

Please note: Benefits are paid for spinal manipulation or spinal adjustments.

Included

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting period: 2 months

Included

Benefit:
$26 per visit up to a max. 10 visits

$65 - X-ray (max. 1 per year)

Per person annual limit: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

 
Included

Benefit:
60% of provider fee

Per person annual limit: 
$350/year

Limit per policy: 
$700/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. 
Waiting period: 2 months

Included

Benefit:
$27.50 per visit up to a max. 10 visits

$70 - X-ray (max. 1 per year)

Per person annual limit: $450/year

Limit per policy: $900/year

The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit:
$30 per visit up to a max. 12 visits

$85 - X-ray (max. 1 per year)

Per person annual limit:
Up to 3 years: $550/year
Over 3 years: $650/year

Limit per policy:
Up to 3 years: $1,100/year
Over 3 years: $1,300/year

The limits detailed above are subject to a combined annual limit for chiro and osteo.

Waiting period: 2 months

Included

Benefit:
$35 per visit up to a max.  15 visits

$110 - X-ray (max. 1 per year)

Per person annual limit:
Up to 3 years: $650/year
Over 3 years: $750/year

Limit per policy:
Up to 3 years: $1,300/year
Over 3 years: $1,500/year

The limits detailed above are subject to a combined annual limit for chiro and osteo.

Waiting period: 2 months

Osteopathy

Category: Osteopathy

Included

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting period: 2 months

Included

Benefit:
$26 per visit up to a max. 10 visits

Per person annual limit: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit: 
$350/year

Limit per policy: 
$700/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. 
Waiting period: 2 months

Included

Benefit:
$27.50 per visit up to a max. 10 visits

Per person annual limit: $450/year

Limit per policy: $900/year

The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit:
$30 per visit up to a max. 12 visits

Per person annual limit:
Up to 3 years: $550/year
Over 3 years: $650/year

Limit per policy:
Up to 3 years: $1,100/year
Over 3 years: $1,300/year

The limits detailed above are subject to a combined annual limit for chiro and osteo.

Waiting period: 2 months

Included

Benefit:
$35 per visit up to a max. 15 visits

Per person annual limit:
Up to 3 years: $650/year
Over 3 years: $750/year

Limit per policy:
Up to 3 years: $1,300/year
Over 3 years: $1,500/year

The limits detailed above are subject to a combined annual limit for chiro and osteo.

Waiting period: 2 months

Remedial massage

Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).

Not Included

Not covered.

Included

Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.

Benefit:
$15 - visits 1-6
$10 - visits 7+

Per person annual limit:
Up to 3 years: $50/year
Over 3 years:  $100/year

Limit per policy: $200/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit: 
$150/year

Limit per policy: $300/year

Waiting period: 2 months

Included

Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.

Benefit:
$16 - visits 1-6
$11 - visits 7+

Per person annual limit:
Up to 3 years: $100/year
Over 3 years: $200/year

Limit per policy: $400/year

The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.

Benefit:
$20 - visits 1-6
$13 - visits 7+

Per person annual limit:
Up to 3 years: $250/year
Over 3 years: $350/year

Limit per policy: $700/year

Waiting period: 2 months

Included

Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.

Benefit:
$25 - visits 1-6
$17 - visits 7+

Per person annual limit:
Up to 3 years: $500/year
Over 3 years: $600/year

Limit per policy: No limit

Waiting period: 2 months

Myotherapy

Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).

Not Included

Not covered.

Included

Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.

Benefit:
$15 - visits 1-6
$10 - visits 7+

Per person annual limit:
Up to 3 years: $50/year
Over 3 years:  $100/year

Limit per policy: $200/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit: 
$150/year

Limit per policy: $300/year

Waiting period: 2 months

Included

Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.

Benefit:
$16 - visits 1-6
$11 - visits 7+

Per person annual limit:
Up to 3 years: $100/year
Over 3 years: $200/year

Limit per policy: $400/year

The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.

Benefit:
$20 - visits 1-6
$13 - visits 7+

Per person annual limit:
Up to 3 years: $250/year
Over 3 years: $350/year

Limit per policy: $700/year

Waiting period: 2 months

Included

Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.

Benefit:
$25 - visits 1-6
$17 - visits 7+

Per person annual limit:
Up to 3 years: $500/year
Over 3 years: $600/year

Limit per policy: No limit

Waiting period: 2 months

Eyes
Glasses

Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more

Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses).

Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.

Not Included

Not covered.

Included

Per person annual limit:
Up to 5 years: $110/year
Over 5 years: $121/year

Limit per policy: No limit

Waiting period: 2 months

 

Included

Benefit:
60% of provider fee

Per person annual limit:
$200/year

Limit per policy: $400/year

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $140/year
Over 5 years: $155/year

Limit per policy: No limit

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $260/year
Over 5 years: $325/year

Limit per policy: No limit

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $280/year
Over 5 years: $350/year

Limit per policy: No limit

Waiting period: 2 months

Contact lenses

Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more

Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). 

Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.

Not Included

Not covered.

Included

Per person annual limit:
Up to 5 years: $110/year
Over 5 years: $121/year

Limit per policy: No limit

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit:
$200/year

Limit per policy: $400/year

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $140/year
Over 5 years: $155/year

Limit per policy: No limit

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $260/year
Over 5 years: $325/year

Limit per policy: No limit

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $280/year
Over 5 years: $350/year

Limit per policy: No limit

Waiting period: 2 months

Prescription sunglasses

Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more

Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses).

Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.

Not Included

Not covered.

Included

Per person annual limit:
Up to 5 years: $110/year
Over 5 years: $121/year

Limit per policy: No limit

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit:
$200/year

Limit per policy: $400/year

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $140/year
Over 5 years: $155/year

Limit per policy: No limit

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $260/year
Over 5 years: $325/year

Limit per policy: No limit

Waiting period: 2 months

Included

Per person annual limit:
Up to 5 years: $280/year
Over 5 years: $350/year

Limit per policy: No limit

Waiting period: 2 months

Orthoptics (eye therapy)

Category: Orthoptics

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Orthoptics is a discipline in eye healthcare specialising in the assessment, diagnosis and non-surgical management of eye disorders. 

Benefit:
$50 - initial visit
$25 - subsequent visits

Per person annual limit:
Up to 5 years: $900/year
Over 5 years: $1,100/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Waiting period: 2 months

Included

Orthoptics is a discipline in eye healthcare specialising in the assessment, diagnosis and non-surgical management of eye disorders. 

Benefit:
$50 - initial visit
$25 - subsequent visits

Per person annual limit:
Up to 5 years: $1,200/year
Over 5 years: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Waiting period: 2 months

Fitness and wellbeing
Health Management Programs (incl. Gym memberships)
Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings)
 
Not Included

Not covered.

Included

A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified personal trainer. 

Per person annual limit: $50/year

Limit per policy: $100/year

Waiting period: 2 months

The limits detailed above are subject to a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Included

A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified persona trainer. 

Benefit:
60% of provider fee

Per person annual limit: 
$150/year

Limit per policy: 
$300/year

Waiting period: 2 months

Included

A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified personal trainer. 

Per person annual limit: $75/year

Limit per policy: $150/year

Waiting period: 2 months

Included

A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified personal trainer. 

Per person annual limit: $100/year

Limit per policy: $200/year

Waiting period: 2 months

Included

A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified personal trainer. 

Per person annual limit: $125/year

Limit per policy: $250/year

Waiting period: 2 months

Weight loss programs

Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings).

Please note: The following programs are currently approved by HIF: Weight Watchers, Jenny Craig, Sure Slim, Dr Cohen’s Lifestyle Clinic, Healthy Inspirations, Kate Morgan, Michelle Bridges' 12 Week Body Transformation Program, Susie Burrell’s Shape Me Plan, Tony Ferguson, Terry White Chemists’ Weight Loss Program, and Metagenics’ Shake It Professional Weight Loss Program.

If you'd like to claim for a weight loss program, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your paid invoice and a completed HIF Extras Claim Form

Please note: Benefits cannot be claimed on optional materials such as shakers or foodstuffs or online program purchases, with the exception of Michelle Bridges 12 WBT and Susie Burrell’s Shape Me.

Not Included

Not covered.

Included

Per person annual limit: $50/year

Limit per policy: $100/year

Waiting period: 2 months

The limits detailed above are subject to a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Included

Benefit:
60% of provider fee

Per person annual limit: 
$150/year

Limit per policy: 
$300/year

Waiting period: 2 months

Included

Per person annual limit: $75/year

Limit per policy: $150/year

Waiting period: 2 months

Included

Per person annual limit: $100/year

Limit per policy: $200/year

Waiting period: 2 months

Included

Per person annual limit: $125/year

Limit per policy: $250/year

Waiting period: 2 months

Dietetics

Category: Dietetics

Not Included

Not covered.

Included

Benefit:
$36 - first visit
$18 - subsequent visits
$10 - group visits

Per person annual limit: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

Not Included

Not covered.

Included

Benefit:
$36 - first visit
$18 - subsequent visits
$10 - group visits

Per person annual limit: $252/year

Limit per policy: No limit

Waiting period: 2 months

Included

Benefit:
$36 - first visit
$18 - subsequent visits
$10 - group visits

Per person annual limit: $324/year

Limit per policy: No limit

Waiting period: 2 months

Included

Benefit:
$40 - first visit
$18 - subsequent visits
$10 - group visits

Per person annual limit: $324/year

Limit per policy: No limit

Waiting period: 2 months

Exercise physiology

Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings).

Not Included

Not covered.

Included

Per person annual limit: $50/year

Limit per policy: $100/year

Waiting period: 2 months

The limits detailed above are subject to a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Included

Benefit:
60% of provider fee

Per person annual limit: 
$150/year

Limit per policy: 
$300/year

Waiting period: 2 months

Included

Per person annual limit: $75/year

Limit per policy: $150/year

Waiting period: 2 months

Included

Per person annual limit: $100/year

Limit per policy: $200/year

Waiting period: 2 months

Included

Per person annual limit: $125/year

Limit per policy: $250/year

Waiting period: 2 months

Quit smoking programs

Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings).

Please note: Benefits are payable on the Cancer Council's Quit Smoking Plan or  Allen Carr’s Easy Way to Stop Smoking program.

Not Included

Not covered.

Included

Per person annual limit: $50/year

Limit per policy: $100/year

Waiting period: 2 months

The limits detailed above are subject to a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Included

Benefit:
60% of provider fee

Per person annual limit: 
$150/year

Limit per policy: 
$300/year

Waiting period: 2 months

Included

Per person annual limit: $75/year

Limit per policy: $150/year

Waiting period: 2 months

Included

Per person annual limit: $100/year

Limit per policy: $200/year

Waiting period: 2 months

Included

Per person annual limit: $125/year

Limit per policy: $250/year

Waiting period: 2 months

Pharmaceuticals
Non-PBS Drugs

Category: Pharmacy

Please note: Benefits cannot be paid on contraceptives or NHS (PBS) prescriptions or over the counter items purchased with or without a prescription.

Not Included

Not covered.

Included

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure that people have affordable and reliable access to a wide range of necessary medicines when they need it. For non-PBS items, benefits are payable on prescription items provided that (1) they’re classed as either Schedule 4 (S4), Schedule 7 (S7), Schedule 8 (S8) or a Medical prescription (RX); and (2) the fee exceeds the current PBS threshold amount of $41.00. HIF Members can claim a benefit of up to $80 per script until their annual limit is reached. 

Benefit:
Once the PBS amount of $41.00  has been paid, HIF will cover 100% of the balance up to $80 per script item. 

Please note if claiming retrospectively (up to two years from the date of purchase) the previous PBS amount of $40.30 for 2019, or $39.50 for 2018 will apply.

Per person annual limit: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure Australian residents have affordable and reliable access to a wide range of necessary medicines at an affordable price. For non-PBS items, HIF members can claim a benefit of 60% of the balance after the current PBS threshold amount of $41 has been paid, HIF will cover 60% of the balance. 

Benefit:
Once the PBS amount of $41 has been paid, HIF will cover 60% of the balance.

Per person annual limit: 
$350/year

Limit per policy: 
$700/year

Waiting period: 2 months

Category: Pharmacy

Please note: Benefits cannot be paid on contraceptives or NHS (PBS) prescriptions or over the counter items purchased with or without a prescription.

Included

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure that people have affordable and reliable access to a wide range of necessary medicines when they need it. For non-PBS items, benefits are payable on prescription items provided that (1) they’re classed as either Schedule 4 (S4), Schedule 7 (S7), Schedule 8 (S8) or a Medical prescription (RX); and (2) the fee exceeds the current PBS threshold amount of $41.00. HIF Members can claim a benefit of up to $80 per script until their annual limit is reached. 

Benefit:
Once the PBS amount of $41.00  has been paid, HIF will cover 100% of the balance up to $80 per script item.

Please note if claiming retrospectively (up to two years from the date of purchase) the previous PBS amount of $40.30 for 2019, or $39.50 for 2018 will apply.

Per person annual limit: $200/year

Limit per policy: No limit

Waiting period: 2 months

Included

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure that people have affordable and reliable access to a wide range of necessary medicines when they need it. For non-PBS items, benefits are payable on prescription items provided that (1) they’re classed as either Schedule 4 (S4), Schedule 7 (S7), Schedule 8 (S8) or a Medical prescription (RX); and (2) the fee exceeds the current PBS threshold amount of $41.00. HIF Members can claim a benefit of up to $80 per script until their annual limit is reached.  

Benefit:
Once the PBS amount of $41.00 has been paid, HIF will cover 100% of the balance up to $80 per script item.

Please note if claiming retrospectively (up to two years from the date of purchase) the previous PBS amount of $40.30 for 2019, or $39.50 for 2018 will apply.

Per person annual limit:
Up to 3 years: $200/year
Over 3 years: $400/year

Limit per policy: No limit

Waiting period: 2 months

 
Included

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure that people have affordable and reliable access to a wide range of necessary medicines when they need it. For non-PBS items, benefits are payable on prescription items provided that (1) they’re classed as either Schedule 4 (S4), Schedule 7 (S7), Schedule 8 (S8) or a Medical prescription (RX); and (2) the fee exceeds the current PBS threshold amount of $41.00. HIF Members can claim a benefit of up to $80 per script until their annual limit is reached. 

Benefit:
Once the PBS amount of $41.00 has been paid, HIF will cover 100% of the balance up to $80 per script item.

Please note if claiming retrospectively (up to two years from the date of purchase) the previous PBS amount of $40.30 for 2019, or $39.50 for 2018 will apply.

Per person annual limit:
Up to 3 years: $200/year
Over 3 years: $400/year

Limit per policy: No limit

Waiting period: 2 months

Assisted Reproductive Drugs

Please note: The benefits listed here are included in the overall Pharmacy category benefit.

Category: Pharmacy

Please note: Benefits cannot be paid on PBS prescriptions or over the counter items purchased with or without a prescription.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure Australian residents have affordable and reliable access to a wide range of necessary medicines at an affordable price. For non-PBS items, HIF members can claim a benefit of up to $80 per script until their annual limit is reached, provided the fee exceeds the current PBS threshold amount of $41.00. 

Benefit:
Once the PBS amount of $41.00 has been paid, HIF will cover 100% of balance up to $80 per script item.

Per person annual limit:
Up to 3 years: $200/year
Over 3 years: $400/year

Limit per policy: No limit

Waiting period: 36 months

Included

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure Australian residents have affordable and reliable access to a wide range of necessary medicines at an affordable price. For non-PBS items, HIF members can claim a benefit of up to $80 per script until their annual limit is reached, provided the fee exceeds the current PBS threshold amount of $41.00. 

Benefit:
Once the PBS amount of $41.00 has been paid, HIF will cover 100% of balance up to $80 per script item.

Per person annual limit:
Up to 3 years: $200/year
Over 3 years: $400/year

Limit per policy: No limit

Waiting period: 36 months

Ambulance Transportation
Emergency ambulance

Category: Emergency ambulance

Please note: Inter-hospital transfers, off-road or air ambulance services are not included.

For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.

Included

Per person annual limit: 
With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting period: 2 months

Included

Benefit: 100% of the fee

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Included

Benefit: 100% of the fee

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Included

Benefit: 100% of the fee

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Included

Benefit: 100% of the fee

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Included

Benefit: 100% of the fee

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Non-emergency callouts

Category: Ambulance

Please note: Inter-hospital transfers, off-road or air ambulance services are not included.

For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.

Not Included

Not covered.

Included

Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member)

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Included

Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member)

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Included

Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member)

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Included

Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member)

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Included

Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member)

Per person annual limit: No limit.

Limit per policy: No limit.

Waiting period: 2 months

Feet
Podiatry consultations

Category: Podiatry

Please note: Benefits are paid on consultations carried out by a registered podiatrist, approved by HIF. Benefits are not payable on Orthotics within the Podiatry category. If you would like to claim for Orthotics, please choose Super or Premium options instead.

Not Included

Not covered.

Included

Benefit
$32 - first visit
$23 - subsequent visits
$12 - consultations not performed in the podiatrist's registered practice

Per person annual limit: $350/year

Limit per policy: $700/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit: 
$350/year

Limit per policy: 
$700/year

The limits detailed above are subject to a combined overall annual limit of $350 per person per policy and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. 
Waiting period: 2 months

Included

Benefit
$32 - first visit
$23 - subsequent visits
$12 - consultations not performed in the podiatrist's registered practice

Per person annual limit: $450/year

Limit per policy: $900/year

The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit
$32 - first visit
$23 - subsequent visits
$12 - consultations not performed in the podiatrist's registered practice

Per person annual limit: $354/year (includes podiatry surgery performed in the podiatrist’s registered rooms only).

Limit per policy: No limit

Waiting period: 2 months

Included

Benefit
$32 - first visit
$25 - subsequent visits
$12 - consultations not performed in the podiatrist's registered practice

Per person annual limit: $382/year (includes podiatry surgery performed in the podiatrist’s registered rooms only).

Limit per policy: No limit

Waiting period: 2 months

Orthotics

Category: Orthotics

Please note: The orthotic limit includes associated services such as muscle testing, ROM testing and gait analysis. Benefits are not available for orthotics which are not specifically modified and fitted for the individual member’s condition.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
75% of the cost up to a max of $200

Per person annual limit:
1 every 2 years from date of supply or every 12 months if the dependant has physically outgrown the orthotics.

Limit per policy: No limit

Waiting period: 12 months

Included

Benefit:
75% of the cost up to a max of $240

Per person annual limit:
1 every 2 years from date of supply or every 12 months if the dependant has physically outgrown the orthotics.

Limit per policy: No limit

Waiting period: 12 months

Natural therapies
Acupuncture

Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).

Not Included

Not covered.

Included

Benefit
$15 - visits 1-6
$10 - visits 7+

Per person annual limit:
Up to 3 years: $50/year
Over 3 years: $100/year

Limit per policy: $200/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit: 
$150/year

Limit per policy: $300/year

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. 
Waiting period: 2 months

Included

Benefit
$16 - visits 1-6
$11 - visits 7+

Per person annual limit:
Up to 3 years: $100/year
Over 3 years: $200/year

Limit per policy: $400/year

The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit
$20 - visits 1-6
$13 - visits 7+

Per person annual limit:
Up to 3 years: $250/year
Over 3 years: $350/year

Limit per policy: $700/year

Waiting period: 2 months

Included

Benefit
$25 - visits 1-6
$17 - visits 7+

Per person annual limit:
Up to 3 years: $500/year
Over 3 years: $600/year

Limit per policy: No limit

Waiting period: 2 months

Traditional Chinese medicine

Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).

Not Included

Not covered.

Included

Benefit
$15 - visits 1-6
$10 - visits 7+

Per person annual limit:
Up to 3 years: $50/year
Over 3 years: $100/year

Limit per policy: $200/year

The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit:
60% of provider fee

Per person annual limit: 
$150/year

Limit per policy: $300/year

Waiting period: 2 months

Included

Benefit
$16 - visits 1-6
$11 - visits 7+

Per person annual limit:
Up to 3 years: $100/year
Over 3 years: $200/year

Limit per policy: $400/year

The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Waiting period: 2 months

Included

Benefit
$20 - visits 1-6
$13 - visits 7+

Per person annual limit:
Up to 3 years: $250/year
Over 3 years: $350/year

Limit per policy: $700/year

Waiting period: 2 months

Included

Benefit
$25 - visits 1-6
$17 - visits 7+

Per person annual limit:
Up to 3 years: $500/year
Over 3 years: $600/year

Limit per policy: No limit

Waiting period: 2 months

Clinical therapies
Speech therapy

Category: Speech therapy

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
$75 - initial visit
$45 - subsequent visits

Per person annual limit:
Up to 5 years: $900/year
Over 5 years: $1,100/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Waiting period: 2 months

Included

Benefit:
$75 - initial visit
$45 - subsequent visits

Per person annual limit:
Up to 5 years: $1,200/year
Over 5 years: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Waiting period: 2 months

Occupational therapy

Category: Occupational therapy

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
$45 - first visit
$25 - subsequent visits
$10 - group visits

Per person annual limit:
Up to 5 years: $900/year
Over 5 years: $1,100/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Waiting period: 2 months

Included

Benefit:
$60 - first visit
$27 - subsequent visits
$10 - group visits

Per person annual limit:
Up to 5 years: $1,200/year
Over 5 years: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.

Waiting period: 2 months

Psychology

Category: Psychology

Please note: A maximum of 2 sessions will be covered on the same date, provided there is a minimum of 2 hours between sessions.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
$75 - first visit
$55 - subsequent visits
$25 - group (per person) to a maximum of $75 per session

Per person annual limit: $740/year

Limit per policy: No limit

Waiting period: 12 months

Included

Benefit:
$100 - first visit
$55 - subsequent visits
$30 - group (per person) to a maximum of $75 per session

Per person annual limit: $1,000/year

Limit per policy: No limit

Waiting period: 12 months

Appliances and Instruments
Hearing Aids

Category: Hearing aids

Please note: Benefits are paid on replacement hearing aids after 5 years from date of supply.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Per person annual limit:
Up to 5 years: $550 (maximum 1 per person)
Over 5 years: $550 per ear

Limit per policy: No limit

Waiting period: 36 months

Included

Per person annual limit:
1-5 years: $550 (maximum 1 per person)
5-10 years: $600 per ear
10+ years: $700 per ear

Limit per policy: No limit

Waiting period: 36 months

Asthmatic spacers

Category: Asthmatic spacers

Please note: A benefit will not be paid on hired appliances and instruments.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: $18

Per person annual limit: 2 per year

Limit per policy: No limit

Waiting period: 2 months

Included

Benefit: $18

Per person annual limit: 2 per year

Limit per policy: No limit

Waiting period: 2 months

Peak Flow Meter

Category: Peak Flow Meter

Please note: A benefit will not be paid on hired appliances and instruments.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: $30

Per person annual limit: 1 per year

Limit per policy: No limit

Waiting period: 2 months

Included

Benefit: $30

Per person annual limit: 1 per year

Limit per policy: No limit

Waiting period: 2 months

Blood pressure monitor

Category: Blood Pressure Monitor (combined benefit with Blood Glucose Monitor)

Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
75% of the cost up to a max of $200

Per person annual limit: 1 of either monitor every 3 years (blood pressure or blood glucose)

Limit per policy: No limit

Waiting period: 12 months

Included

Benefit:
75% of the cost up to a max of $200

Per person annual limit: 1 of either monitor every 3 years (blood pressure or blood glucose)

Limit per policy: No limit

Waiting period: 12 months

Blood glucose monitor

Category: Blood Pressure Monitor (combined benefit with Blood Glucose Monitor)

Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
75% of the cost up to a max of $200

Per person annual limit: 1 of either monitor every 3 years (blood pressure or blood glucose)

Limit per policy: No limit

Waiting period: 12 months

Included

Benefit:
75% of the cost up to a max of $200

Per person annual limit: 1 of either monitor every 3 years (blood pressure or blood glucose)

Limit per policy: No limit

Waiting period: 12 months

Humidifier

Category: Humidifier & Nebuliser

Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
75% of the cost up to a max of $140

Per person annual limit: 1 of either monitor every 3 years (humidifier or nebuliser)

Limit per policy: No limit

Waiting period: 12 months

Included

Benefit:
75% of the cost up to a max of $180

Per person annual limit: 1 of either monitor every 3 years (humidifier or nebuliser)

Limit per policy: No limit

Waiting period: 12 months

Nebuliser

Category: Humidifier & Nebuliser

Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
75% of the cost up to a max of $140

Per person annual limit: 1 of either monitor every 3 years (humidifier or nebuliser)

Limit per policy: No limit

Waiting period: 12 months

Included

Benefit:
75% of the cost up to a max of $180

Per person annual limit: 1 of either monitor every 3 years (humidifier or nebuliser)

Limit per policy: No limit

Waiting period: 12 months

Circulation booster

Category: External Prosthesis / Medical Appliances

Please note: A $300 sub-limit applies within the overall $1,500 category benefit limit and you can choose to redeem that sub-limit on either a circulation booster or TENS machine. A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

A circulation booster is a drug-free medical device. It's designed to improve blood flow in the legs and feet by using electrical pulses to stimulate the muscles.

Benefit:
75% of the cost up a max of $300

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Included

A circulation booster is a drug-free medical device. It's designed to improve blood flow in the legs and feet by using electrical pulses to stimulate the muscles.

Benefit:
75% of the cost up a max of $300

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

TENS machine

Category: External Prosthesis / Medical Appliances 

Please note: A $300 sub-limit applies within the overall $1,500 category benefit limit and you can choose to redeem that sub-limit on either a circulation booster or TENS machine. A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers. Benefits are not payable on Cephaly machines.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

A Transcutaneous Electrical Nerve Stimulation (TENS) machine is predominately used to treat nerve related pain conditions by sending stimulating pulses across the surface of the skin and along the nerve strands.

Benefit:
75% of the cost up a max of $300

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Included

A Transcutaneous Electrical Nerve Stimulation (TENS) machine is predominately used to treat nerve related pain conditions by sending stimulating pulses across the surface of the skin and along the nerve strands.

Benefit:
75% of the cost up a max of $300

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

CAM Walker

Category: External Prosthesis / Medical Appliances 

Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

A Controlled Ankle Motion (CAM) walker is an adjustable orthopedic apparatus that looks like a boot. 

Benefit:
75% of the cost up to a max of $1, 500

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Included

A Controlled Ankle Motion (CAM) walker is an adjustable orthopedic apparatus that looks like a boot. 

Benefit:
75% of the cost up to a max of $1,500

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

CPAP Machine

Category: External Prosthesis / Medical Appliances

Please note: The device being claimed must follow admission to hospital for sleep apnoea and/or a letter recommendation from the treating practitioner must be provided in support of the claim. A benefit is only payable towards the CPAP machine itself (accessories like the mask and nose piece cannot be claimed from HIF).

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Continuous Positive Airway Pressure (CPAP) therapy uses a machine to help a person who has obstructive sleep apnoea breathe more easily during sleep

Benefit:
3-5 years: $300
5+ years: $600

Per person limit: One monitor every 5 years from previous supply.

Limit per policy: No limit 

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Please note: Benefits for CPAP machines are deducted from the External Prosthesis sub-limit of $1,500.

Waiting period: 36 months

Included

Continuous Positive Airway Pressure (CPAP) therapy uses a machine to help a person who has obstructive sleep apnoea breathe more easily during sleep

Benefit:
3-5 years: $300
5+ years: $600

Per person limit: One monitor every 5 years from previous supply.

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses.

Please note: Benefits for CPAP machines are deducted from the External Prosthesis sub-limit of $1,500. 


Waiting period: 36 months

External Prostheses
Artifical limbs

Category: External Prosthesis / Medical Appliances

Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Artificial limbs are a substitute for a missing part, such as an eye or limb used for functional or cosmetic reasons, or both. 

Benefit:
75% of the cost

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit or HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Included

Artificial limbs are a substitute for a missing part, such as an eye or limb used for functional or cosmetic reasons, or both. 

Benefit:
75% of the cost

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit or HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Wigs (resulting from an illness)

Category: External Prosthesis / Medical Appliances

Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim, as benefits are only payable when hair loss results from an illness such as cancer, alopecia or lupus. Please contact us for more info on recognised providers.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
75% of the cost up to $300 per wig (max. 2 per year)

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Included

Benefit:
75% of the cost up to $300 per wig (max. 2 per year)

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Mammary prostheses

Category: External Prosthesis / Medical Appliances

Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

A Mammary prosthesis is an external silicone breast implant that can recreate the appearance of a breast shape under clothing and can also help to improve your balance and posture, which may be affected after a mastectomy.

Benefit:
75% of the cost up to $300 per item (max. 2 per year)

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Included

A Mammary prosthesis is an external silicone breast implant that can recreate the appearance of a breast shape under clothing and can also help to improve your balance and posture, which may be affected after a mastectomy.

Benefit:
75% of the cost up to $300 per item (max. 2 per year)

Per person annual limit: $1,500/year

Limit per policy: No limit

The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. 

Waiting period: 12 months

Medical Advice & Assistance
HIF Second Opinion
Category: HIF Second Opinion
Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

HIF Second Opinion is a free service for members with Premium Options.

It gives you access to the Best Doctors' network of the world's leading medical specialists, enabling you to get a free second opinion on any diagnosis, condition or treatment.

You'll also get free access to Best Doctors' online medical advice portal, giving you the opportunity to submit questions to a panel of experienced Australian GPs, access expert insights and use their online symptom checker.

Waiting period: N/A

Auxiliary Home Nursing

Category: Auxiliary Home Nursing

Please note: A medical practitioner must order the service and a registered nurse must render the service. A benefit is payable when the member receives nursing treatment in excess of 30 minutes per day for a medical condition, and a maximum of 1 visit is payable per day. A benefit is not payable on domestic services.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: $75

Per person annual limit: $1,800/year

Limit per policy: No limit

Waiting period:
2 months for standard services
12 months for obstetric related care

 
Included

Benefit: $120

Per person annual limit: $1,800/year

Limit per policy: No limit

Waiting period:
2 months for standard services
12 months for obstetric related care

 
Diabetes Education

Category: Diabetes Education

Please note: Benefits are payable on consultations or information sessions held by the Diabetes Association in relation to diabetes.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit:
$36 - first visit
$18 - subsequent visits

Per person annual limit: 6 visits per year

Limit per policy: No limit

Waiting period: 2 months

Included

Benefit:
$36 - first visit
$18 - subsequent visits

Per person annual limit: 6 visits per year

Limit per policy: No limit

Waiting period: 2 months

Mental Health Navigator

Mental Health Navigator is a discreet, quick and confidential service that provides an expert review of your mental health diagnosis plus and ongoing treatment plan with support. It provides access to a network of 50,000 leading Australian-based clinical psychologists, psychiatrists and mental health nurses who will review your current condition (and when needed) modify your diagnosis.

IncludedIncludedIncludedIncludedIncludedIncluded

 

*The daily pricing above is based on a single policy in Western Australia (WA) which has the highest hospital excess applied and is paid by direct debit on an annual basis after deducting a 25.059% Australian Government Rebate on private health insurance and a 4% annual discount. This also excludes any Lifetime Health Cover (LHC) Loading that may apply. Depending on your current household income, the rebate you can claim may be reduced. This pricing is correct as of 1 October 2020. Prices may vary for other Australian states and territories.