Which HIF Extras policies include osteo?

All five of our Extras Cover options include osteo as standard. The only difference is that the benefits and annual limits you can claim all increase as your level of cover increases. Our Extras range also includes cover for other popular services which can help to soothe your aching bones, joints and muscles, such as physio, chiro, myotherapy and remedial massage. 

Here's a quick rundown of the benefits you can claim on all of those services each year to keep your body feeling great!

Basic cover
  • Vital Options
    $0.62
    per day

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    • Physiotherapy

      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

      Category: Physiotherapy

    • Chiropractic

      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

      Category: Chiropractic

      Please note: Benefits are paid for spinal manipulation or spinal adjustments.

    • Osteopathy

      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

      Category: Osteopathy

    • Remedial massage

      Not covered.

    • Myotherapy

      Not covered.

  • Saver Options
    $0.71
    per day

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    • Physiotherapy

      Benefit:
      $32 - first visit
      $24 - visits 2-10
      $19 - visits 10+
      $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.

      Please note: A $300 sub-limit applies for antenatal, hydrotherapy and group sessions.

      Waiting period: 2 months

      Category: Physiotherapy

    • Chiropractic

      Benefit:
      $26 - first visit
      $21 - visits 2-10
      $10 - visits 10+
      $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

      Category: Chiropractic

      Please note: Benefits are paid for spinal manipulation or spinal adjustments.

    • Osteopathy

      Benefit:
      $26 - first visit
      $21 - visits 2-10
      $16 - visits 10+

      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

      Category: Osteopathy

    • Remedial massage

      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

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

    • Myotherapy

      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

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

Medium cover
  • Special Options
    $1.14
    per day

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    • Physiotherapy

      Benefit:
      $32 - first visit
      $24 - visits 2-10
      $19 - visits 10+
      $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.

      Please note: A $400 sub-limit applies for antenatal, hydrotherapy and group sessions.

      Waiting period: 2 months

      Category: Physiotherapy

    • Chiropractic

      Benefit:
      $26 - first visit
      $21 - visits 2-10
      $10 - visits 10+
      $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

      Category: Chiropractic

      Please note: Benefits are paid for spinal manipulation or spinal adjustments.

    • Osteopathy

      Benefit:
      $26 - first visit
      $21 - visits 2-10
      $16 - visits 10+

      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

      Category: Osteopathy

    • Remedial massage

      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

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

    • Myotherapy

      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

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

Top cover
  • Super Options
    $1.79
    per day

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    • Physiotherapy

      Benefit:

      Benefit:
      $35 - first visit
      $29 - visits 2-10
      $20 - visits 10+
      $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.

      Please note: A $500 sub-limit applies for antenatal, hydrotherapy and group sessions.

      Waiting period: 2 months

      Category: Physiotherapy

    • Chiropractic

      Benefit:
      $28 - first visit
      $23 - visits 2-10
      $14 - visits 10+
      $85 - X-ray (max. 1 per year)

      Per person annual limit:
      Up to 3 years: $550/year
      Over 3 years: $650/year

      Limit per policy:
      Up to 3 years: $1,100/year
      Over 3 years: $1,300/year

      The limits detailed above are subject to a combined annual limit for chiro and osteo.

      Waiting period: 2 months

      Category: Chiropractic

      Please note: Benefits are paid for spinal manipulation or spinal adjustments.

    • Osteopathy

      Benefit:
      $28 - first visit
      $23 - visits 2-10
      $17 - visits 10+

      Per person annual limit:
      Up to 3 years: $550/year
      Over 3 years: $650/year

      Limit per policy:
      Up to 3 years: $1,100/year
      Over 3 years: $1,300/year

      The limits detailed above are subject to a combined annual limit for chiro and osteo.

      Waiting period: 2 months

      Category: Osteopathy

    • Remedial massage

      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: $700/year

      Waiting period: 2 months

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

    • Myotherapy

      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: $700/year

      Waiting period: 2 months

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

  • Premium Options
    $2.48
    per day

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    • Physiotherapy

      $45 - first visit
      $40 - visits 2-10
      $30 - visits 10+
      $15 - antenatal
      $15 - hydrotherapy
      $15 - group

      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.

      Please note: A $600 sub-limit applies for antenatal, hydrotherapy and group sessions.

      Waiting period: 2 months

      Category: Physiotherapy

    • Chiropractic

      Benefit:
      $30 - first visit
      $29 - visits 2-10
      $18 - visits 10+
      $110 - X-ray (max. 1 per year)

      Per person annual limit:
      Up to 3 years: $650/year
      Over 3 years: $750/year

      Limit per policy:
      Up to 3 years: $1,300/year
      Over 3 years: $1,500/year

      The limits detailed above are subject to a combined annual limit for chiro and osteo.

      Waiting period: 2 months

      Category: Chiropractic

      Please note: Benefits are paid for spinal manipulation or spinal adjustments.

    • Osteopathy

      Benefit:
      $30 - first visit
      $29 - visits 2-10
      $18 - visits 10+

      Per person annual limit:
      Up to 3 years: $650/year
      Over 3 years: $750/year

      Limit per policy:
      Up to 3 years: $1,300/year
      Over 3 years: $1,500/year

      The limits detailed above are subject to a combined annual limit for chiro and osteo.

      Waiting period: 2 months

      Category: Osteopathy

    • Remedial massage

      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

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

    • Myotherapy

      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

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


Find out more about HIF Extras Cover.

Use the panels below to learn more about our most popular Extras health services.