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Silver Plus No Maternity Combo
Silver Plus No Maternity Combo
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  • Shared room - all stays

    This provides cover for the cost of a shared room in an HIF-contracted private hospital anywhere in Australia.

  • Private room - maternity stays

    Private room cover for the management fo labour and delivery of a child in a HIF-contracted private hospital anywhere in Australia.

  • Private room - all stays

    This provides cover for the cost of a private room in an HIF-contracted private hospital anywhere in Australia.

  • Rehabilitation

    Hospital treatment for physical rehabilitation for a patient related to surgery or illness.

    For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.

  • Hospital psychiatric services

    Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

    For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.

  • Palliative care

    Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

  • Brain and nervous system

    Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

    For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.

    Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Eye (not cataracts)

    Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.

    For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.

    Cataract procedures are listed separately under Cataracts.

    Eyelid procedures are listed separately under Plastic and reconstructive surgery.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Ear, nose and throat

    Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

    For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.

    The implantation of a hearing device is listed separately under Implantation of hearing devices.

    Orthopaedic neck conditions are listed separately under Back, neck and spine.

    Sleep studies are listed separately under Sleep studies.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Tonsils, adenoids and grommets

    Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.

  • Bone, joint and muscle

    Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

    For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.

    Chest surgery is listed separately under Lung and chest.

    Spinal cord conditions are listed separately under Brain and nervous system.

    Spinal column conditions are listed separately under Back, neck and spine.

    Joint reconstructions are listed separately under Joint reconstructions.

    Joint replacements are listed separately under Joint replacements.

    Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

    Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Joint reconstructions

    Hospital treatment for surgery for joint reconstructions.

    For example: torn tendons, rotator cuff tears and damaged ligaments.

    Joint replacements are listed separately under Joint replacements.

    Bone fractures are listed separately under Bone, joint and muscle.

    Procedures to the spinal column are listed separately under Back, neck and spine.

    Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

  • Kidney and bladder

    Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

    For example: kidney stones, adrenal gland tumour and incontinence.

    Dialysis is listed separately under Dialysis for chronic kidney failure.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Male reproductive system

    Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

    For example: male sterilisation, circumcision and prostate cancer.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Digestive system

    Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

    For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

    Endoscopy is listed separately under Gastrointestinal endoscopy.

    Hernia and appendicectomy procedures are listed separately under Hernia and appendix.

    Bariatric surgery is listed separately under Weight loss surgery.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Hernia and appendix

    Hospital treatment for the investigation and treatment of a hernia or appendicitis.

    Digestive conditions are listed separately under Digestive system.

  • Gastrointestinal endoscopy

    Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

    For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).

    Non-endoscopic procedures for the digestive system are listed separately under Digestive system.

  • Gynaecology

    Hospital treatment for the investigation and treatment of the female reproductive system.

    For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Fertility treatments are listed separately under Assisted reproductive services.

    Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.

    Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Miscarriage and termination of pregnancy

    Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.

  • Chemotherapy, radiotherapy and immunotherapy for cancer

    Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system.

  • Pain management

    Hospital treatment for pain management that does not require the insertion or surgical management of a device.

    For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.

    Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.

  • Skin

    Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.

    For example: melanoma, minor wound repair and abscesses.

    Removal of excess skin due to weight loss is listed separately under Weight loss surgery.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Breast surgery (medically necessary)

    Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

    For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Diabetes management (excluding insulin pumps

    Hospital treatment for the investigation and management of diabetes.

    For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.

    Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.

    Treatment for ulcers is listed separately under Skin.

    Provision and replacement of insulin pumps is listed separately under Insulin pumps.

  • Heart and vascular system

    Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

    For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Lung and chest

    Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

    For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Blood

    Hospital treatment for the investigation and treatment of blood and blood-related conditions.
    For example: blood clotting disorders and bone marrow transplants.

    Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Back, neck and spine

    Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

    For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.

    Joint replacements are listed separately under Joint replacements.

    Joint fusions are listed separately under Bone, joint and muscle.

    Spinal cord conditions are listed separately under Brain and nervous system.

    Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Plastic and reconstructive surgery (medically necessary)

    Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident or congenital.

    For example: burns requiring a graft, cleft palate, club foot and angioma.

    Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.

    Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

  • Dental surgery

    Hospital treatment for surgery to the teeth and gums.

    For example: surgery to remove wisdom teeth, and dental implant surgery.

  • Podiatric surgery

    Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:

    accommodation; and

    the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.

    Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so.

  • Implantation of hearing devices

    Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Stapedectomy is listed separately under Ear, nose and throat.

  • Cataracts

    Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

  • Joint replacements

    Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

    For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.

    Joint fusions are listed separately under Bone, joint and muscle.

    Spinal fusions are listed separately under Back, neck and spine

    Joint reconstructions are listed separately under Joint reconstructions.

    Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

  • Dialysis for chronic kidney failure

    Hospital treatment for dialysis treatment for chronic kidney failure.

    For example: peritoneal dialysis and haemodialysis.

  • Pregnancy and birth

    Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition.

    For example, respiratory conditions are covered under Lung and chest.

    Female reproductive conditions are listed separately under Gynaecology.

    Fertility treatments are listed separately under Assisted reproductive services.

    Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

  • Assisted reproductive services

    Hospital treatment for fertility treatments or procedures.

    For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).

    Treatment of the female reproductive system is listed separately under Gynaecology.

    Pregnancy and birth-related services are listed separately under Pregnancy and birth.

  • Weight loss surgery

    Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

    For example: gastric banding, gastric bypass, sleeve gastrectomy.

  • Insulin pumps

    Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

  • Pain management with device

    Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

    For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).

    Treatment of pain that does not require a device is listed separately under Pain management.

  • Sleep studies

    Hospital treatment for the investigation of sleep patterns and anomalies.

    For example: sleep apnoea and snoring.

  • 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, myotherapy, 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, 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, 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, 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.

  • 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, myotherapy, 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 $40.30. 

    Benefit:
    Once the PBS amount of $40.30 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 paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.

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

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

  • 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

  • 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, 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, myotherapy, 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, myotherapy, 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, 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.

* Please note: The daily pricing above is based on a single policy in Western Australia (WA) which has the highest hospital excess applied and is paid by direct debit on an annual basis after deducting a 25.059% Federal Government Rebate and a 4% annual discount. This also excludes any Lifetime Health Cover (LHC) age loading that may apply. Depending on your current household income, the rebate you can claim may be reduced. This pricing is correct as of 1 April 2019. Prices may vary for other Australian states and territories.

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