What are loyalty benefits?

At HIF we're all about giving back to our members and that includes rewarding you for your loyalty. And that also includes new members too, we will honour your membership with your previous fund under our loyalty program, so (in most cases) you won't have to serve new waiting periods. How good is that?

If you hold either our Saver, Special, Super or Premium Extras Cover policies, you can claim more back on a range of services the longer you’re with us (up to a maximum limit). HIF loyalty benefits apply to dental, physio, chiro, complementary therapies, optical, occupational therapy, pharmacy, speech therapy, hearing aids and more. 

You can find a detailed breakdown of how annual limits increase over time in the table below:

Vital Options from $0.62 per dayVital Options from $0.62 per dayVital Options from $0.53 per dayVital Options from $0.62 per day
Get a QuoteGet a QuoteGet a QuoteGet a Quote
Chiropractic
more

Benefits:
$26 - first visit
$21 - visits 2-10
$10 - visits 10+
$65 - X-ray (max 1 per year)

Limit per person: $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, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
$26 - first visit
$21 - visits 2-10
$10 - visits 10+
$70 - X-ray (max 1 per year)

Limit per person: $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.

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

Limit per person:
Up to 3 years: $550/year
Over 3 years: $650/year

Limit per policy:
Up to 3 years: $1100/year
Over 3 years: $1300/year

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

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

Limit per person:
Up to 3 years: $650/year
Over 3 years: $750/year

Limit per policy:
Up to 3 years: $1300/year
Over 3 years: $1500/year

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

Complementary Therapies
more

Acupuncture, Homeopathy, Myotherapy, Naturopathy, Remedial Massage and Traditional Chinese Medicine.

Benefit:
$15 - visits 1-6
$10 - visits 7+

Limit per person:
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 membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
$16 - visits 1-6
$11 - visits 7+

Limit per person:
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 membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.

Benefit:
$20 - visits 1-6
$13 - visits 7+

Limit per person:
Up to 3 years: $250/year
Over 3 years: $350/year

Limit per policy: $700/year

Benefit:
$25 - visits 1-6
$17 - visits 7+

Limit per person
Up to 3 years: $500/year
Over 3 years: $600/year

Limit per policy: No limit

Dental
more

Major Dental: Not covered

General Dental: Covered

Benefits: Please see our
Dental Benefits page for a full overview of our SmartTeeth benefits and services covered.

Annual limit: Please see our Dental Annual Limits page for full details.

Major Dental: Covered

General Dental: Covered

Benefits: Please see our Dental Benefits page for a full overview of our SmartTeeth benefits and services covered.

Annual limit: Please see our Dental Annual Limits page for full details.

Major Dental: Covered

General Dental: Covered

Benefits: Please see our Dental Benefits page for a full overview of our SmartTeeth benefits and services covered.

Annual limit: Please see our Dental Annual Limits page for full details.

Major Dental: Covered

General Dental: Covered

Benefits: Please see our Dental Benefits page for a full overview of our SmartTeeth benefits and services covered.

Annual limit: Please see our Dental Annual Limits page for full details.

Hearing Aids
more

Not covered

Not covered

Up to 5 years: $550
(maximum 1 per person)

Over 5 years: $550 per ear

Limit per policy: No 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

Occupational Therapy
more

Not covered

Not covered

Benefit:
$45 - first visit
$25 - subsequent visits
$10 - group

Limit per person:
Up to 5 years: $900/year
Over 5 years: $1100/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.

Benefit:
$60 - first visit
$27 - subsequent visits
$10 - group

Limit per person:
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.

Optical
more

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

Limit per person:
Up to 5 years: $110/year
Over 5 years: $121/year

Limit per policy: No limit

Limit per person:
Up to 5 years: $140/year
Over 5 years: $155/year

Limit per policy: No limit

Limit per person:
Up to 5 years: $260/year
Over 5 years: $325/year

Limit per policy: No limit

Limit per person:
Up to 5 years: $280/year
Over 5 years: $350/year

Limit per policy: No limit

Orthoptics (Eye Therapy)
more

N/A

N/A

Benefit:
$50 - initial
$25 - subsequent

Limit per person:
Up to 5 years: $900/year
Over 5 years: $1100/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.

Benefit:
$50 - initial
$25 - subsequent

Limit per person:
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.

Osteopathic
more

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

Limit per person: $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, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

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

Limit per person: $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.

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

Limit per person:
Up to 3 years: $550/year
Over 3 years: $650 /year

Limit per policy:
Up to 3 years: $1100/year
Over 3 years: $1300/year

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

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

Limit per person:
Up to 3 years: $650/year
Over 3 years: $750/year

Limit per policy:
Up to 3 years: $1300/year
Over 3 years: $1500/year

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

Pharmacy
more

PBS = Pharmaceutical Benefit Scheme

Benefit:
Member pays PBS contribution. Benefit is 100% of balance up to $80 per script item.

Limit per person: $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, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
Member pays PBS contribution. Benefit is 100% of balance up to $80 per script item.

Limit per person: $200/year

Limit per policy: No limit

Benefit:
Member pays PBS contribution. Benefit is 100% of balance up to $80 per script item.

Limit per person:
Up to 3 years: $200/year
Over 3 years: $400/year

Limit per policy: No limit

Benefit:
Member pays PBS contribution. Benefit is 100% of balance up to $80 per script item.

Limit per person:
Up to 3 years: $200/year
Over 3 years: $400/year

Limit per policy: No limit

Physiotherapy
more

Benefit:
$32 - first visit
$24 - visits 2-10
$19 - visits 10+
$13 - antenatal
$13 - hydrotherapy
$13 - group (e.g. pilates)

Limit per person: $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, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Please note that a $300 sub-limit applies for antenatal, hydrotherapy and group (e.g. pilates).

Benefit:
$32 - first visit
$24 - visits 2-10
$19 - visits 10+
$13 - antenatal
$13 - hydrotherapy
$13 - group (e.g. pilates)

Limit per person: $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.

Please note that a $400 sub-limit applies for antenatal, hydrotherapy and group (e.g. pilates).

Benefit:
$35 - first visit
$29 - visits 2-10
$20 - visits 10+
$13 - antenatal
$13 - hydrotherapy
$13 - group (e.g. pilates)

Limit per person:
Up to 5 years: $900/year
Over 5 years: $1100/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 that a $500 sub-limit applies for antenatal, hydrotherapy and group (e.g. pilates).

Benefit:
$45 - first visit
$40 - visits 2-10
$30 - visits 10+
$15 - antenatal
$15 - hydrotherapy
$15 - group (e.g. pilates)

Limit per person:
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. Please note that a $600 sub-limit applies for antenatal, hydrotherapy and group (e.g. pilates).

Podiatry Consultations
more

Benefit:
$32 - first visit
$23 - subsequent visits
$12 - consultations that are not performed in the podiatrist's registered practice

Limit per person: $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, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.

Benefit:
$32 - first visit
$23 - subsequent visits
$12 - consultations that are not performed in the podiatrist's registered practice

Limit per person: $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.

 

Benefit:
$32 - first visit
$23 - subsequent visits
$12 - consultations that are not performed in the podiatrist's registered practice

Limit per person: $354/year
includes podiatry surgery performed in the podiatrist’s registered rooms only.

Limit per policy: No limit

Benefit:
$32 - first visit
$25 - subsequent visits
$12 - consultations that are not performed in the podiatrist's registered practice

Limit per person: $382/year
- includes podiatry surgery performed in the podiatrist’s registered rooms only.

Limit per policy: No limit

Speech Therapy
more

Not covered

Not covered

Benefit:
$75 - first visit
$45 - subsequent visits

Limit per person:
Up to 5 years: $900/year
Over 5 years: $1000/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.

Benefit:
$75 - first visit
$45 - subsequent visits

Limit per person:
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.

    

*Important please note: If you upgrade your cover you may need to serve waiting periods before you can take advantage of your additional benefits and increased limits.

Category: Extras Cover
Was this article useful?
3 people found this useful