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  • Included
  • Not included
  • Restricted
No Maternity Hospital with Mid Extras Combo
No Maternity Hospital with Mid Extras Combo
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  • AccessGap Cover

    AccessGap Cover is HIF's medical gap cover arrangement, designed to minimise or eliminate out-of-pocket ("gap") expenses for inpatient treatment in a registered hospital or day facility.

    We created this gap cover because doctors are allowed to charge more than the Medicare Benefits Schedule (MBS) if they wish – but if they do, their patients may incur significant gap expenses for the difference between the fee charged and the MBS.

    Alternatively, doctors can choose to opt in to our AccessGap Cover; and if your chosen doctor or specialist has opted in, you can expect to have much lower out-of-pocket costs (if any).

    Currently, HIF members have access to over 30,000 AccessGap-participating doctors and specialists, practising in over 110,000 locations across Australia.

  • Accidental injuries
    An accident is an unforeseen event, occurring by chance and caused by an external force or object which results in an injury to the body.
  • Appendectomy

    An appendectomy is the surgical removal of the appendix. It's a common emergency surgery that's performed to treat appendicitis, an inflammatory condition of the appendix.

  • Assisted Reproductive Technology (e.g. IVF)

    Not included. 

    If ART is important to you, please choose Gold or GoldStar instead. 

  • Back surgery

    Back surgery refers to procedures that aim to physically correct back issues and provide pain relief, such as removing a herniated disc.

    Common types of back surgery include discetomy, laminectomy, spinal fusion and vertebroplasty.

  • Brain surgery

    The term "brain surgery" refers to medical procedures that involve repairing structural problems in the brain.

    There are numerous types of brain surgery available, including craniotomies, biopsies, neuroendoscopies and deep brain stimulation.

    The type of brain surgery required depends highly on the condition being treated.

  • Cancer related services

    There are many types of cancer treatment available. The treatment received will depend on the type of cancer, where it began and whether it's spread (plus general health and personal choices).

    Often, more than one treatment is used. Options include immunotherapy, hormone therapy and targeted therapy, as well as chemotherapy, radiotherapy and/or surgery by an Oncologist.

    Some patients will only have one treatment, but most have a combination of treatments such as surgery with chemotherapy or radiation therapy.

  • Choice of Excess

    Not included.

    An excess is the amount you'll personally contribute towards a hospital admission in order to reduce your private health insurance premium.

    For No Maternity + Mid Extras, a standard excess of $500 per person applies - but you only have to pay it once per calender year (regardless of how many times you're admitted to hospital). For couples, a maximum annual excess of $1000 applies. 

  • Colonoscopy

    A colonoscopy is a test that allows your doctor to look at the inner lining of your large intestine (rectum and colon).

    Colonoscopies help to find ulcers, colon polyps, tumours, and areas of inflammation or bleeding.

  • Ear, nose and throat surgery
    Ear Nose and Throat (ENT) specialists diagnose, evaluate and manage a wide range of diseases of the head and neck, including the ear, nose and throat regions.
  • Endoscopy

    An endoscopy is a procedure that gives your doctor a direct view of your body's internal organs. This can allow a diagnosis and treatment of some conditions.

  • Gastroscopy

    A gastroscopy is an examination of the oesophagus (gullet or food pipe), stomach and duodenum (upper part of the small bowel) using a flexible telescope called a gastroscope.

  • Gynaecological services

    Gynaecology is the diagnosis and management of issues affecting women's reproductive systems.

    A number of specialised procedures and surgeries are available, including colposcopy and management of abnormal pap smears and pre-invasive (pre-cancer) disease of the female genital tract; hysterectomy (laparoscopic, vaginal and abdominal); endometriosis specialists and subspecialist care for management of gynaecologic cancers.

  • Heart Procedures

    Cardiac (heart) specialists diagnose and treat conditions such as heart attacks, coronary artery disease, heart arrhythmia, valvular disease and endocarditis (infection of the heart's valves or inner lining).

    Heart procedures include medical or surgical treatments such as artery bypass grafts, coronary angioplasty, heart transplants, stent insertions, pacemakers and defibrillators.

  • Hernia repair

    A hernia occurs when an organ pushes through an opening in the muscle or tissue that holds it in place.

    For example, the intestines may break through a weakened area in the abdominal wall. Hernias are most common in the abdomen, but they can also appear in the upper thigh, belly button, and groin areas.

    Hernias are generally more common in people whose abdomens are under significant pressure, such as people who do a lot of heavy lifting, are obese, are pregnant, have a chronic cough, or have chronic constipation.

  • In-home hospital services

    Hospital in the Home' is treatment delivered in the comfort and privacy of your own home as an alternative to treatment in a hospital.

    It is widely used across Australia to treat a range of conditions that would normally require inpatient care but now can be provided within the home under medical supervision.

  • In-hospital rehabilitation

    In-hospital rehabilitation refers to the rehabilitation of patients who have neurological, musculo-skeletal, orthopedic or other medical conditions following stabilisation of their acute medical issues (such as a stroke or surgery).

    Please note: The waiting period for in-hospital rehab is 2 months, even if it's a pre-existing condition.

  • Inpatient pharmacy drugs

    A benefit can be claimed on approved pharmacy items provided the medications are supplied as part of your in-hospital treatment plan.

    Please note: Benefits may be restricted or may not apply to experimental or high-cost drugs or drugs that aren’t approved by the Therapeutic Goods Administration (TGA).

  • Intensive care

    The term 'intensive care' refers to special medical treatment in which a patient who is dangerously ill is kept under constant observation, typically in a dedicated department of a hospital.

    A hospital's Intensive Care Unit (ICU) provides 24-hour care from a highly-trained team of specialists.

    Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.

  • Joint reconstruction
    Treatment options can offer temporary pain relief or permanent solutions to joint disorders. The type of treatment depends on the type and severity of the joint disorder.
  • Joint replacement

    A total joint replacement is a surgical procedure in which parts of an arthritic or damaged joint are removed and replaced with a metal, plastic or ceramic device called a prosthesis (for example, a knee arthroplasty).

    Joint replacements are performed by Orthopaedic Surgeons and the prosthesis is designed to replicate the movement of a normal, healthy joint.

  • Non-cosmetic eye surgery

    The term 'non-cosmetic eye surgery' refers to medical treatment for major eye lens procedures, such as cataract surgery.

  • Obesity related services

    Not included. 

    If this service is important to you, please choose Gold or GoldStar instead. 

  • Other medical procedures

    Did you know... No Maternity + Mid Extras actually covers you for thousands of different medical treatments and procedures?

    As long as the service you wish to claim on has a Medicare item number attached, you're covered!

    If you'd like to get a medical benefit estimate prior to undergoing elective treatment, please get in touch.

  • Palliative care

    Palliative care is the care of patients with serious and terminal illnesses, to help relieve symptoms, improve general comfort and help patients live longer.

    Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.

  • Pregnancy and birth related services in a private hospital

    Not included. 

    If maternity cover is important to you, please choose GoldSaver, Gold or GoldStar instead. 

  • Private room - all stays

    Not included.

    If a private room is important to you at all times, please choose GoldStar instead. 

  • Private room - maternity stays

    Not included.

    If maternity cover is important to you, please choose GoldSaver, Gold or GoldStar instead.

  • Psychiatric care and treatment

    This is a restricted service. 

    That means you are only covered up to the basic public hospital rates for accommodation, so this service may attract significant out-of-pocket expenses. 

    If this service is important to you, please choose Gold or GoldStar instead.


    Please note: The waiting period for psychiatric care is 2 months, even if it's a pre-existing condition.

  • Removal of tonsils and adenoids

    A tonsillectomy is a surgical procedure that removes a patient's tonsils (two small glands located in the back of your throat).

    Similarly, an adenoidectomy is a common surgery to remove the adenoids (glands located in the roof of the mouth, behind the soft palate where the nose connects to the throat).

    Tonsils and adenoids are the body's first line of defence as part of the immune system, sampling bacteria and viruses that enter the body through the mouth or nose. However, they may sometimes become infected themselves and may eventually need to be removed.

  • Renal dialysis

    Dialysis is the process of removing waste products and excess fluid from the body.

    Dialysis is necessary when the kidneys are not able to adequately filter the blood. There are two types of dialysis - haemodialysis and peritoneal.

  • Shared room - all stays (with optional upgrade to a private room).
    Members with No Maternity + Mid Extras cover includes the cost of a shared room in an HIF-contracted hospital as standard. However, where available, you may be given the option to upgrade to a private room. In that instance, HIF will cover the hospital fees for a shared room, so you'll just need to pay the difference between the cost of a shared room and a private room. Although these charges can differ depending on the hospital, the amount usually ranges from $50-100 per day. 
  • Sterilisation
    The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.
     
  • Surgical removal of wisdom teeth in hospital
    In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.
  • Theatre care

    An operating theatre is a facility within a hospital where surgical operations are carried out in a sterile environment.

    Benefits can be claimed for theatre care when used in conjunction with any services listed as included on this level of cover.

  • Acupuncture

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Complementary Therapies (includes acupuncture, homeopathy, myotherapy, naturopathy, remedial massage, and traditional Chinese medicine).

  • Ambulance - (emergency)

    Policy annual limit: No limit

    Benefit: 100% of the fee

    Waiting period: 2 months

    Category: Ambulance

    Please note: Inter-hospital transfers, off-road or air ambulance services are not included. To understand more about the different state/territory-based ambulance subsidies in Australia, visit our Ambulance Cover page. 

  • Ambulance - (non-emergency)

    Policy annual limit: No limit. 

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

    Waiting period: 2 months

    Category: Ambulance

    Please note: Inter-hospital transfers, off-road or air ambulance services are not included. To understand more about the different state/territory-based ambulance subsidies in Australia, visit our Ambulance Cover page. 

  • Artificial limbs

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Assisted Reproductive Drugs

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Asthmatic spacers

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Auxiliary Home Nursing

    Not included.

    If this service is important to you, please choose Super or Premium Options instead.

  • Blood glucose monitor

    Not included.

    If this service is important to you, please choose Super or Premium Options instead.

  • Blood pressure monitor

    Not included.

    If this service is important to you, please choose Super or Premium Options instead.

  • CAM Walker

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead. 

  • Chiropractic

    Benefit:
    60% of the charge

    Category sub-limit:
    $500 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: Chiro, Physio + Podiatry

  • Circulation booster

    Not included.

    If this service is important to you, please choose Super or Premium Options instead.

  • CPAP Machine

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Dental - adhesive restorations / fillings

    Benefit:

    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Dental - bleaching

    Benefit:

    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Dental - consultation

    Benefit:

    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Dental - dentist-fitted sports mouthguard

    Benefit:

    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Dental - dentures, crowns and bridges

    Benefit:

    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 12 months

    Category: Major Dental

    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.

  • Dental - removal of permanent teeth

    Benefit:

    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Dental - scale and clean

    Benefit:

    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Dental - x-rays

    Benefit:

    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Diabetes Education

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Healthy Lifestyle Services (includes health assessments, including gym memberships, exercise physiology, pilates, yoga, weight management programs, quit smoking plans and skin cancer screenings).

  • Dietetics

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Endodontic

    Benefit:
    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Exercise physiology

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Healthy Lifestyle Services (includes health assessments, including gym memberships, exercise physiology, pilates, yoga, weight management programs, quit smoking plans and skin cancer screenings).

  • Health Management Programs (incl. Gym memberships)

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Healthy Lifestyle Services (includes health assessments, including gym memberships, exercise physiology, pilates, yoga, weight management programs, quit smoking plans and skin cancer screenings).

  • Hearing Aids

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • HIF Second Opinion

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Homeopathy

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Complementary Therapies (includes acupuncture, homeopathy, myotherapy, naturopathy, remedial massage, and traditional Chinese medicine).

  • Humidifier

    Not included

    If this service is important to you, please choose Super or Premium Options instead.

  • Mammary prostheses

    Not included

    If this service is important to you, please choose Super or Premium Options instead.

  • Myotherapy

    Benefit:
    60% of the charge

    Category sub-limit:
    $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: Complementary Therapies (includes acupuncture, homeopathy, myotherapy, naturopathy, remedial massage, and traditional Chinese medicine).

  • Naturopathy

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Complementary Therapies (includes acupuncture, homeopathy, myotherapy, naturopathy, remedial massage, and traditional Chinese medicine).

  • Nebuliser

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Non-PBS Drugs

    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 $60 per script until their annual limit is reached, provided the fee exceeds the current PBS threshold amount of $39.50. 

    Benefit:
    Once the PBS amount of $39.50 has been paid, HIF will cover 100% of balance up to $60 per script item.

    Per person annual limit:
    $200 per person per year

    Waiting period: 2 months

    Category: Pharmacy (Non-PBS)

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

  • Optical - contact lenses

    Benefit: 100% of the charge until the annual limit has been reached. 

    Category annual limit: $150 per personal per year

    Waiting period: 2 months

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

    Please note: Benefits are not payable on non-prescription safety glasses, protective glasses, tinting, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider

  • Optical - glasses

    Benefit: 100% of the charge until the annual limit has been reached. 

    Category annual limit: $150 per personal per year

    Waiting period: 2 months

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

    Please note: Benefits are not payable on non-prescription safety glasses, protective glasses, tinting, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider

  • Optical - prescription sunglasses

    Benefit: 100% of the charge until the annual limit has been reached. 

    Category annual limit: $150 per personal per year

    Waiting period: 2 months

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

    Please note: Benefits are not payable on non-prescription safety glasses, protective glasses, tinting, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider

  • Orthodontic

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Orthoptics (eye therapy)

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Orthotics

    Not included.

    If this service is important to you, please choose Super or Premium Options instead.

  • Osteopathy

    Not included.

    If this service is important to you, please choose Super or Premium Options instead.

  • Peak Flow Meter

    Not included

    If this service is important to you, please choose Super or Premium Options instead.

  • Periodontic

    Benefit:
    60% of the charge

    Category sub-limit:
    $600 per person per year (covers all dental services including general dental, periodontic, endodontic, inlay/only and dentures, crowns and bridges)

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: General Dental

    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.

  • Physiotherapy

    Benefit:
    60% of the charge

    Category sub-limit:
    $500 per year 

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: Chiro, Physio + Podiatry

  • Pilates

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Healthy Lifestyle Services (includes health assessments, including gym memberships, exercise physiology, pilates, yoga, weight management programs, quit smoking plans and skin cancer screenings).

  • Podiatry consultations

    Benefit:
    60% of the charge

    Category sub-limit:
    $500 per year (combined category limit). 

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: Chiro, Physio + Podiatry

  • Quit smoking programs

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Healthy Lifestyle Services (includes health assessments, including gym memberships, exercise physiology, pilates, yoga, weight management programs, quit smoking plans and skin cancer screenings).

  • Remedial massage

    Benefit:
    60% of the charge

    Category sub-limit:
    $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle).

    Waiting period: 2 months

    Category: Complementary Therapies (includes acupuncture, homeopathy, myotherapy, naturopathy, remedial massage, and traditional Chinese medicine).

  • TENS machine

    Not included. 

    If this service is important to you, please choose Super or Premium Options instead.

  • Traditional Chinese medicine

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Complementary Therapies (includes acupuncture, homeopathy, myotherapy, naturopathy, remedial massage, and traditional Chinese medicine).

  • Weight loss programs

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Healthy Lifestyle Services (includes health assessments, including gym memberships, exercise physiology, pilates, yoga, weight management programs, quit smoking plans and skin cancer screenings).

  • Wigs (resulting from an illness)

    Not included.

    If this service is important to you, please choose Super or Premium Options instead.

  • Yoga

    Benefit: 60% of the charge. 

    Category sub-limit: $150 per year

    Please note that this sub-limit forms part of a combined annual limit of $1000 per person for the following services: Dental, chiro, physio, podiatry, complementary therapies and healthy lifestyle. 

    Waiting period: 2 months

    Category: Healthy Lifestyle Services (includes health assessments, including gym memberships, exercise physiology, pilates, yoga, weight management programs, quit smoking plans and skin cancer screenings).

What about hospital waiting periods?

Whether we’re answering your call, or helping you switch from another health fund, we don’t like to keep people waiting. But unfortunately waiting periods (the time you have to wait before you can claim for treatment) are a universal necessity. All health funds have them. We wouldn't be able to offer our affordable premiums and generous rebates without them.

Waiting periods protect us and our members against people who simply join us, claim large amounts and then leave. We always try to keep waiting periods to an absolute minimum though.

That’s why, if you join us from another health fund, we’ll take your previous membership into account so you don’t have to re-serve waiting periods on an equivalent level or higher level of cover.

New Members transferring from another health fund and were previously on a lower level of cover can upgrade their cover without serving a two month waiting period for psychiatric treatment.  

For HIF Hospital Cover, the waiting periods are as follows:

  • 2 months: General hospitalisation
  • 2 months: Psychiatric care, rehabilitation and palliative care
  • 12 months: Pre-existing conditions or ailments

What's a pre-existing condition?

A pre-existing condition is defined as: ‘Any ailment, illness, or condition where, in the opinion of a medical adviser appointed by the health insurer, the signs or symptoms of that illness, ailment or condition existed at any time in the period of six months ending on the day on which the person became insured under the policy.’

A pre-existing condition can be identified by the presence of signs or symptoms of the illness, ailment or condition (i.e. it’s not necessary for the member or their doctor to know what their condition is, or for it to be diagnosed). In assessing whether a condition is a pre-existing condition or not, an HIF-appointed medical practitioner will take into account information provided by your treating doctor.

Did you know...

HIF now covers a number of providers who allow you to access hospital services in the comfort of your own home. Depending on your level of cover, the in-home services you can access include chemotherapy, rehabilitation, complex wound management and chronic health disease management. For more information and to find out which providers are covered, get in touch on 1300 134 060 (Monday to Friday) or email hello@hif.com.au