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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. | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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. | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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. | IncludedDental 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 | IncludedDental 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. | IncludedDental 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 | IncludedDental 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. | IncludedDental 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. | IncludedDental 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. | IncludedDental 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 | IncludedDental Category:
General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months | IncludedDental 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 | IncludedDental Category:
General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months | IncludedDental Category:
General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months | IncludedDental 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. | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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. | IncludedPer 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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. | IncludedGeneral 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. | IncludedSTANDARD 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 | IncludedDental 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 | IncludedSTANDARD 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 | IncludedSTANDARD 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 | IncludedSTANDARD 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. | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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. | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 Included | Not Included | IncludedDental 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 | IncludedDental 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 | IncludedDental 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 Included | IncludedDental 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 | IncludedDental 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 | IncludedDental 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. | IncludedDental 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 |
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Physiotherapy | IncludedPer 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 | IncludedBenefit:
$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 | IncludedBenefit:
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 | IncludedBenefit:
$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 | IncludedBenefit:
$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 | IncludedBenefit:
$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. | IncludedPer 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 | IncludedBenefit:
$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 | IncludedBenefit:
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 | IncludedBenefit:
$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 | IncludedBenefit:
$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 | IncludedBenefit:
$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 | IncludedPer 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 | IncludedBenefit:
$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 | IncludedBenefit:
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 | IncludedBenefit:
$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 | IncludedBenefit:
$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 | IncludedBenefit:
$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 | IncludedRemedial 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 | IncludedBenefit:
60% of provider fee
Per person annual limit:
$150/year
Limit per policy: $300/year
Waiting period: 2 months | IncludedRemedial 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 | IncludedRemedial 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 | IncludedRemedial 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 | IncludedMyotherapy 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 | IncludedBenefit:
60% of provider fee
Per person annual limit:
$150/year
Limit per policy: $300/year
Waiting period: 2 months | IncludedMyotherapy 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 | IncludedMyotherapy 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 | IncludedMyotherapy 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 |
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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 | IncludedPer person annual limit:
Up to 5 years: $110/year
Over 5 years: $121/year Limit per policy: No limit Waiting period: 2 months | IncludedBenefit:
60% of provider fee
Per person annual limit:
$200/year
Limit per policy: $400/year Waiting period: 2 months | IncludedPer person annual limit:
Up to 5 years: $140/year
Over 5 years: $155/year Limit per policy: No limit Waiting period: 2 months | IncludedPer person annual limit:
Up to 5 years: $260/year
Over 5 years: $325/year Limit per policy: No limit Waiting period: 2 months | IncludedPer 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 | IncludedPer person annual limit:
Up to 5 years: $110/year
Over 5 years: $121/year Limit per policy: No limit Waiting period: 2 months | IncludedBenefit:
60% of provider fee
Per person annual limit:
$200/year
Limit per policy: $400/year Waiting period: 2 months | IncludedPer person annual limit:
Up to 5 years: $140/year
Over 5 years: $155/year Limit per policy: No limit Waiting period: 2 months | IncludedPer person annual limit:
Up to 5 years: $260/year
Over 5 years: $325/year Limit per policy: No limit Waiting period: 2 months | IncludedPer 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 | IncludedPer person annual limit:
Up to 5 years: $110/year
Over 5 years: $121/year Limit per policy: No limit Waiting period: 2 months | IncludedBenefit:
60% of provider fee
Per person annual limit:
$200/year
Limit per policy: $400/year Waiting period: 2 months | IncludedPer person annual limit:
Up to 5 years: $140/year
Over 5 years: $155/year Limit per policy: No limit Waiting period: 2 months | IncludedPer person annual limit:
Up to 5 years: $260/year
Over 5 years: $325/year Limit per policy: No limit Waiting period: 2 months | IncludedPer 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) | Not Included | Not Included | Not Included | Not Included | IncludedOrthoptics 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 | IncludedOrthoptics 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 |
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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 | IncludedA 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. | IncludedA 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 | IncludedA 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 | IncludedA 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 | IncludedA 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 | IncludedPer 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. | IncludedBenefit:
60% of provider fee
Per person annual limit:
$150/year
Limit per policy:
$300/year Waiting period: 2 months | IncludedPer person annual limit: $75/year Limit per policy: $150/year Waiting period: 2 months | IncludedPer person annual limit: $100/year Limit per policy: $200/year Waiting period: 2 months | IncludedPer person annual limit: $125/year Limit per policy: $250/year Waiting period: 2 months |
Dietetics | Not Included | IncludedBenefit:
$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 | IncludedBenefit:
$36 - first visit
$18 - subsequent visits
$10 - group visits Per person annual limit: $252/year Limit per policy: No limit Waiting period: 2 months | IncludedBenefit:
$36 - first visit
$18 - subsequent visits
$10 - group visits Per person annual limit: $324/year Limit per policy: No limit Waiting period: 2 months | IncludedBenefit:
$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 | IncludedPer 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. | IncludedBenefit:
60% of provider fee
Per person annual limit:
$150/year
Limit per policy:
$300/year Waiting period: 2 months | IncludedPer person annual limit: $75/year Limit per policy: $150/year Waiting period: 2 months | IncludedPer person annual limit: $100/year Limit per policy: $200/year Waiting period: 2 months | IncludedPer person annual limit: $125/year Limit per policy: $250/year Waiting period: 2 months |
Quit smoking programs | Not Included | IncludedPer 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. | IncludedBenefit:
60% of provider fee
Per person annual limit:
$150/year
Limit per policy:
$300/year Waiting period: 2 months | IncludedPer person annual limit: $75/year Limit per policy: $150/year Waiting period: 2 months | IncludedPer person annual limit: $100/year Limit per policy: $200/year Waiting period: 2 months | IncludedPer person annual limit: $125/year Limit per policy: $250/year Waiting period: 2 months |
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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 | IncludedThe 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 | IncludedThe 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. | IncludedThe 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 | IncludedThe 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 | IncludedThe 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 Included | Not Included | Not Included | IncludedThe 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 | IncludedThe 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 |
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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. | IncludedPer 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 | IncludedBenefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months | IncludedBenefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months | IncludedBenefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months | IncludedBenefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months | IncludedBenefit: 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 | IncludedBenefit: 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 | IncludedBenefit: 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 | IncludedBenefit: 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 | IncludedBenefit: 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 | IncludedBenefit: 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 |
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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 | IncludedBenefit
$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 | IncludedBenefit:
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 | IncludedBenefit
$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 | IncludedBenefit
$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 | IncludedBenefit
$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 Included | Not Included | Not Included | IncludedBenefit:
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 | IncludedBenefit:
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 |
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Acupuncture Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine). | Not Included | IncludedBenefit
$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 | IncludedBenefit:
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 | IncludedBenefit
$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 | IncludedBenefit
$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 | IncludedBenefit
$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 | IncludedBenefit
$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 | IncludedBenefit:
60% of provider fee
Per person annual limit:
$150/year
Limit per policy: $300/year
Waiting period: 2 months | IncludedBenefit
$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 | IncludedBenefit
$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 | IncludedBenefit
$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 |
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Speech therapy | Not Included | Not Included | Not Included | Not Included | IncludedBenefit:
$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 | IncludedBenefit:
$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 Included | Not Included | Not Included | IncludedBenefit:
$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 | IncludedBenefit:
$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 Included | Not Included | Not Included | IncludedBenefit:
$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 | IncludedBenefit:
$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 |
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Hearing Aids Category: Hearing aids Please note: Benefits are paid on replacement hearing aids after 5 years from date of supply. | Not Included | Not Included | Not Included | Not Included | IncludedPer 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 | IncludedPer 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 Included | Not Included | Not Included | IncludedBenefit: $18 Per person annual limit: 2 per year Limit per policy: No limit Waiting period: 2 months | IncludedBenefit: $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 Included | Not Included | Not Included | IncludedBenefit: $30 Per person annual limit: 1 per year Limit per policy: No limit Waiting period: 2 months | IncludedBenefit: $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 Included | Not Included | Not Included | IncludedBenefit:
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 | IncludedBenefit:
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 Included | Not Included | Not Included | IncludedBenefit:
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 | IncludedBenefit:
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 Included | Not Included | Not Included | IncludedBenefit:
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 | IncludedBenefit:
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 Included | Not Included | Not Included | IncludedBenefit:
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 | IncludedBenefit:
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 Included | Not Included | Not Included | IncludedA 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 | IncludedA 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 Included | Not Included | Not Included | IncludedA 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 | IncludedA 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 Included | Not Included | Not Included | IncludedA 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 | IncludedA 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 Included | Not Included | Not Included | IncludedContinuous 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 | IncludedContinuous 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 |
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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 Included | Not Included | Not Included | IncludedArtificial 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 | IncludedArtificial 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 Included | Not Included | Not Included | IncludedBenefit:
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 | IncludedBenefit:
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 Included | Not Included | Not Included | IncludedA 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 | IncludedA 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 |
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HIF Second Opinion Category: HIF Second Opinion | Not Included | Not Included | Not Included | Not Included | Not Included | IncludedHIF 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 Included | Not Included | Not Included | IncludedBenefit: $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 | IncludedBenefit: $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 Included | Not Included | Not Included | IncludedBenefit:
$36 - first visit
$18 - subsequent visits Per person annual limit: 6 visits per year Limit per policy: No limit Waiting period: 2 months | IncludedBenefit:
$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. | Included | Included | Included | Included | Included | Included |