Compare Extras Cover 

Compare your options and choose the level of cover that suits your needs, budget and lifestyle. From our great-value Vital Options insurance that starts from just $5.021 a week, through to our top-level Premium Options cover which includes HIF Second Opinion, giving you access to the best medical advice from the world’s leading specialists.

  • Just me
  • Both of us
  • Myself & my kids
  • Our Family

Vital

Vital Options 

From

Vital Options covers a range of popular Extras, and claiming is easy! Simply claim 50% back on each service until you reach your annual limit of $800 per year.

  • Freedom to choose how you use your annual limit
  • Budget cover for singles or couples only
  • Easy to understand benefits & annual limits
  • Your choice of any service provider

Saver

Saver Options 

From

Want low-cost Extras with big benefits? Saver Options includes general dental, optical, physio, chiro, osteo, ambulance, healthy lifestyle, pharmacy and more.

  • Great benefits for everyday, preventative dental treatment
  • Value-packed level of cover, whatever your circumstances
  • Increased benefits and annual limits for loyal members
  • Your choice of any service provider

Simple

Simple Options 

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Simple Options is easy to understand. It provides 60% or more back on services like major and general dental, ambulance, optical, chiro, physio, osteo and more.

  • Set percentage back on services included
  • Affordable level of cover, whatever your circumstances
  • Increased benefits and annual limits for loyal members
  • Your choice of any service provider

Special

Special Options 

From

Special Options offers great value cover for everyday services like optical, physio, ambulance and more, plus major dental services like orthodontics, crowns and bridges.

  • Ideal for families who may need orthodontic cover
  • Higher benefits on some services
  • Higher benefits and annual limits for loyal members
  • Your choice of any service provider

Super

Super Options 

From

Our most popular Extras Cover option, covering over 50 services including everything on Special Options plus hearing aids, CPAP machines, psychology and much more.

  • Wide range of services included
  • Higher benefits and annual limits for loyal members
  • Lower cost than Premium Options Extras Cover
  • Your choice of any service provider

Premium

Premium Options

From

Premium by name, premium by nature. Like Super Options but with bigger benefits, higher annual limits and exclusive access to our HIF Second Opinion service.

  • Second opinion from over 50,000 medical specialists
  • Extras Cover with no exclusions
  • Higher benefits and annual limits for loyal members
  • Your choice of any service provider


 

Looking for great-value Extras Cover?

Upgrade your Hospital cover with everyday health services like dental, optical, physio, chiro, remedial massage, gym memberships, ambulance and much more. With a range of great Extras cover options, you can get cover from just $5.021 a week.

As an HIF Member, you’re not locked into a limited number of preferred providers either - you have total freedom to choose your own registered dentist, optician and other Extras providers. This is just one of the many things that makes all the difference with HIF. Compare your cover options and get a quote online now!

Get a Quote

 

 

Benefits of HIF Extras Cover

  • HIF is not for profit and member-focused

    We're a not-for-profit health fund. This means our priority is to look after the health and wellbeing of our members, not maximise profits.

  • Enjoy some of the lowest premiums in Australia

    Our Extras cover has some of the lowest premiums in Australia - you get quality cover and peace of mind from as little as $5.021 a week.

  • Total freedom to choose your own Extra providers

    You have total freedom to choose your own registered dentist, optician, physiotherapist, chiropractor and other Extras providers.

  • Australia's first certified carbon neutral health fund

    As well as looking after our members’ health, we also do our part for the planet. HIF is Australia’s first carbon-neutral health fund.