Extras Cover Comparison Table

Choose from our range of award winning cover options.

Who do you need cover for?

Refine Price

Key: Included Included IncludedExcluded	Vital Vital Options Extras Cover Factsheet Get a Quote	Saver Saver Options Extras Cover Factsheet Get a Quote	Simple Simple Options Extras Cover Factsheet Get a Quote	Special Special Options Extras Cover Factsheet Get a Quote	Super Super Options Extras Cover Factsheet Get a Quote	Premium Premium Options Extras Cover Factsheet Get a Quote
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. 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	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 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	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. 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	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. 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	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. 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	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 Dental Category General Dental (Limited) 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 Dental Category 1: General Dental (Unlimited) Item numbers covered in this category: 521-525, 531-535 Per person annual limit: Unlimited. Waiting period: 2 months Dental Category 2: General Dental (Limited) Item numbers covered in this category: 526, 536 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	Included Dental Category 1: General Dental (Unlimited) Item numbers covered in this category: 521-525, 531-535 Per person annual limit: Unlimited. 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 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 Waiting period: 2 months 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).	Included Dental Category 1: General Dental (Unlimited) Item numbers covered in this category: 521-525, 531-535 Per person annual limit: Unlimited. 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 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 Waiting period: 2 months 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).	Included Dental Category 1: General Dental (Unlimited) Item numbers covered in this category: 521-525, 531-535 Per person annual limit: Unlimited. 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 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 Waiting period: 2 months 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).
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 STANDARD EXTRACTION Dental Category: General Dental (Limited) Waiting period: 2 months SURGICAL EXTRACTION Dental Category: General Dental (Limited) Per person annual limit for this category: 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: 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: $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: $2,350 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: 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. 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	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. 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	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: No Limit 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: No Limit The limits detailed above are subject to a combined annual limit for chiro and osteo. Waiting period: 2 months
Osteopathy Category: Osteopathy Please note: Benefits are paid on items carried out by registered osteopath, approved by HIF.	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: No Limit 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: No Limit 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 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.	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: No limit 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 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.	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: no limit 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 payable on prescription optical items (e.g. glasses, sunglasses, contact lenses or swimming goggles) when purchased from an HIF-approved registered high-street or online Australian optical provider. Benefits are not paid on non-prescription safety glasses, tinting, sunglasses, cosmetic glasses or cosmetic (e.g. coloured) contact lenses, or prescription optical items not purchased from an HIF-approved 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: 100% 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 payable on prescription optical items (e.g. glasses, sunglasses, contact lenses or swimming goggles) when purchased from an HIF-approved registered high-street or online Australian optical provider. Benefits are not paid on non-prescription safety glasses, tinting, sunglasses, cosmetic glasses or cosmetic (e.g. coloured) contact lenses, or prescription optical items not purchased from an HIF-approved 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: 100% 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 payable on prescription optical items (e.g. glasses, sunglasses, contact lenses or swimming goggles) when purchased from an HIF-approved registered high-street or online Australian optical provider. Benefits are not paid on non-prescription safety glasses, tinting, sunglasses, cosmetic glasses or cosmetic (e.g. coloured) contact lenses, or prescription optical items not purchased from an HIF-approved 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: 100% 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 medical practitioner. Please contact us prior to commencing program to check eligibility. Per person annual limit: $50/year Limit per policy: $100/year Waiting period: 2 months 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.	Included A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a medical practitioner. Please contact us prior to commencing program to check eligibility. Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months 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.	Included A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a medical practitioner. Please contact us prior to commencing program to check eligibility. 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 by a medical practitioner. Please contact us prior to commencing program to check eligibility. Per person annual limit: $100/year Limit per policy: No Limit Waiting period: 2 months	Included A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, by a medical practitioner. Please contact us prior to commencing program to check eligibility. Per person annual limit: $125/year Limit per policy: No Limit 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 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.	Included Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months 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.	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: No limit Waiting period: 2 months	Included Per person annual limit: $125/year Limit per policy: No limit 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 $20 - subsequent visits $12 - 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 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.	Included Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months 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.	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: No limit Waiting period: 2 months	Included Per person annual limit: $125/year Limit per policy: No limit 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 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.	Included Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months 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.	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: No limit Waiting period: 2 months	Included Per person annual limit: $125/year Limit per policy: No limit Waiting period: 2 months
Pharmaceuticals
Non-PBS Drugs Category: Pharmacy Please note: Benefits cannot be paid on contraceptives or PBS prescriptions or over the counter items purchased with or without a prescription.	Not Included Not covered.	Included Benefit: Once the PBS amount of $41.30 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 Benefit: Once the PBS amount of $41.30 has been paid, HIF will cover 60% of the balance. 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 Waiting period: 2 months Category: Pharmacy 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.	Included Benefit: Once the PBS amount of $41.30 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 Benefit: Once the PBS amount of $41.30 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 Benefit: Once the PBS amount of $41.30 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
Flu Vaccinations Category: Pharmacy Please note: The benefits listed here are subject to a combined annual limit for Pharmacy.	Not Included Not covered.	Included Benefit: $20 (1 per person, per calendar year) Please note: Benefits are only payable from a registered pharmacy. Per person annual limit: $350/year Limit per policy: $700/year Waiting period: 2 months 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.	Included Benefit: $20 (1 per person, per calendar year) Please note: Benefits are only payable from a registered pharmacy. Per person annual limit: $350/year Limit per policy: $700/year Waiting period: 2 months 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.	Included Benefit: $20 (1 per person, per calendar year) Please note: Benefits are only payable from a registered pharmacy. Per person annual limit: $200/year Limit per policy: No limit Waiting period: 2 months The limits detailed above are subject to a combined annual limit for Pharmacy.	Included Benefit: $20 (1 per person, per calendar year) Please note: Benefits are only payable from a registered pharmacy. Per person annual limit: Up to 3 years: $200/year Over 3 years: $400/year Limit per policy: No limit Waiting period: 2 months The limits detailed above are subject to a combined annual limit for Pharmacy.	Included Benefit: $20 (1 per person, per calendar year) Please note: Benefits are only payable from a registered pharmacy. Per person annual limit: Up to 3 years: $200/year Over 3 years: $400/year Limit per policy: No limit Waiting period: 2 months The limits detailed above are subject to a combined annual limit for Pharmacy.
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: Transportation from a hospital to your home, nursing home or other hospital, transportation for ongoing medical treatment, and off road or air ambulance (e.g. plane, helicopter or boat) are not covered. 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: Transportation from a hospital to your home, nursing home or other hospital, transportation for ongoing medical treatment, and off road or air ambulance (e.g. plane, helicopter or boat) are not covered. 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 podiatry surgery or orthotics. If you would like to claim for Orthotics, please choose Super or Premium options.	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: No Limit 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 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.	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: No limit 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. Benefits are paid on consultations carried out by registered psychologists, approved by HIF.	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: 2 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: 2 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.	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 glucose monitor (combined benefit with Blood Pressure Monitor) 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: 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.	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.	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. 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 limit: One monitor every 3 years from previous supply. 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 limit: One monitor every 3 years from previous supply. 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 or on Cephaly machines. 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 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 limit: One monitor every 3 years from previous supply. 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 limit: One monitor every 3 years from previous supply. 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. 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. 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 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: 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 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 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 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
Mammary prostheses Category: External Prosthesis / Medical Appliances 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 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 second opinion on any diagnosis, condition or treatment. You'll also get 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.	Included	Included	Included	Included	Included	Included