What’s great about Simple Options?

Simple Options provides benefits of 60% of the provider fee up to your annual limits. Optical benefits are even more generous with 100% of the provider fee covered up to your annual limits.

Simple Options includes all those treatment services you might need, such as chiro, , osteo, podiatry, optical, general and major dental, pharmacy, complementary therapies and healthy lifestyle

  • Freedom to choose how you use your annual limit

    Claim the full limit on one service or split it across several services

  • Ideal cover for singles, couples and families

    Simples Options is available from just $14.65 per fortnight

  • Easy to understand benefits & annual limits

    You’ll receive a 60% benefit (or more) for each treatment or service to an annual person and policy limit

  • Your choice of any service provider

    HIF doesn’t use preferred providers, we believe that’s your choice

 

Save with
Simple Options

All the services you or your family may need with a 60% benefit paid on all claims up to an annual and policy limit.

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What's included?

Take a look at everything that’s included in our Simple Options cover below. Or you can view our Extras Cover comparison table here or download our Simple Options fact sheet.  

Key:
  • Included
  • Excluded
Teeth

General Dental

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$600/year

Limit Per Policy
$1,200/year

Waiting Period
2 months (except for items 322-324, 331, 595-596 which are 12 months)

Major Dental 

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$600/year

Limit Per Policy
$1,200/year

Waiting Period
12 months (except for periodontics and endontics – items 213-247, 411-458, which are 2 months)

Bones, Joints and Muscles

Chiropractic

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$350/year

Limit Per Policy
$700/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Physiotherapy

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$350/year

Limit Per Policy
$700/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Osteopathy

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$350/year

Limit Per Policy
$700/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Remedial Massage

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$350/year

Limit Per Policy
$700/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Myotherapy

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$350/year

Limit Per Policy
$700/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

EYES

Glasses, contact lenses, prescription sunglasses

Benefit
100% up to your annual limit.

Benefits are payable on prescription optical items (eg glasses, sunglasses, contact lenses or swimming goggles) when purchased from an HIF-approved registered retail store or online Australian optical provider. Benefits are not paid on non-prescription safety glasses, tinting, sunglasses, cosmetic glasses, goggles or cosmetic (eg coloured) contact lenses or prescription optical items not purchased from an HIF-approved optical provider. 

Per Person Annual Limit
$200/year

Limit Per Policy
$400/year

Waiting Period
2 months

Fitness & Wellbeing

Health Management Programs

Benefit
60% up to annual limit.

Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing program to check eligibility.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $150 and membership limit of $300 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Weight loss programs

Benefit
60% up to annual limit.

Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing program to check eligibility.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $150 and membership limit of $300 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Dietetics

Benefit
60% up to annual limit.

Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing program to check eligibility.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $150 and membership limit of $300 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Exercise physiology

Benefit
60% up to annual limit.

Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing program to check eligibility.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $150 and membership limit of $300 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Quit smoking programs

Benefit
60% up to annual limit.

Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing program to check eligibility.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $150 and membership limit of $300 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Pharmaceuticals 

Pharmacy (PBS = Pharmaceutical Benefit Scheme)

Benefit
60% (up to your annual limits) of the balance after the PBS fee is deducted.

Benefits are not payable on contraceptions, PBS prescriptions or over the counter items purchased with or without a prescription.

Per Person Annual Limit
$350/year

Limit Per Policy
$700/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Ambulance Transportation 

Emergency Road Ambulance

Benefit
100% covered

Per Person Annual Limit
No limit

Limit Per Policy
No limit

Waiting Period
2 months

Non-emergency callouts 

Benefit
100% covered with a $50 co-payment

Per Person Annual Limit
No limit

Limit Per Policy
No limit

Waiting Period
2 months

Feet

Podiatry Consultations

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$350/year

Limit Per Policy
$700/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Natural Therapies

Acupuncture

Benefit
60% of provider fee up to your annual limits.

The treatment must be provided by a practitioner who is registered with HIF in the specialty for which the charge is raised. Benefits are not payable on medicines.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Traditional Chinese Medicine

Benefit
60% of provider fee up to your annual limits.

The treatment must be provided by a practitioner who is registered with HIF in the specialty for which the charge is raised. Benefits are not payable on medicines.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.

Medical Advice & Assistance

Mental Health Navigator

Mental Health Navigator is a discreet, quick and confidential service that provides an expert review of your mental health diagnosis plus and ongoing treatment plan with support. It provides access to a network of 50,000 leading Australian-based clinical psychologists, psychiatrists and mental health nurses who will review your current condition (and when needed) modify your diagnosis.

 

What's excluded?

Teeth

Orthodontic

Eyes

Orthoptics (eye therapy)

Fitness & Wellbeing

Dietetics

Pharmaceuticals

Assisted Reproductive Drugs

Feet

Orthotics

Clinical Therapies

Speech therapy

Occupational therapy

Psychology

Appliances & Instruments

Hearing Aids

Asthmatic Spacers

Peak Flow Meter

Blood pressure monitor

Blood glucose monitor

Humidifier

Nebuliser

Circulation booster

TENS machine

CAM Walker

CPAP machine

External Prostheses

Artificial limbs

Wigs (resulting from all illness)

Mammary prostheses

Medical Advice & Assistance

HIF Second Opinion

Auxiliary Home Nursing

Diabetes Education

 

Supporting documents

 

Why choose HIF as your health insurer?

We’re a here-for-you health fund. Our focus isn’t on shareholder dividends - it’s on big benefits, increasing rebates and delivering outstanding health cover to loyal members. It's what sets us apart…what we call the Hifference.

  • Not-for-profit and member-focused

    Our priority is to help our members lead healthy and happy lives

  • Helping members since 1954

    We're an established national health fund with over 65 years experience 

  • Australia's first certified Carbon Neutral health fund

    We are Australia's first certified carbon neutral health fund


 

Extras Cover FAQs

What’s the Difference Between Extras and Hospital Cover? 

There are two types of health insurance: extras cover and hospital cover. They can be bundled together into combined cover. Extras cover gives you cover for non-hospital medical treatments that aren’t covered by Medicare. Hospital cover provides cover for treatment in a private or public hospital with your choice of doctor.

Which Medical Appliances are Covered?  

Our top two levels of health cover – Super and Premium Options – cover medical appliances and external prosthesis such as hearing aids, artificial limbs, CPAP machines and TENS machines. To find out if a specific appliance can be claimed under extras cover, phone us on 1300 12 40 60. Read more about Medical Appliances.

Do you Offer Cover for Fitness and Wellbeing Programs?

Yes, we want every HIF member to enjoy a healthy and happy lifestyle. That’s why our Saver Options, Simple Options, Special Options, Super Options and Premium Options extras policies include the Healthy Lifestyle services. These services include gym memberships, exercise physiology, health assessments, weight management programs, quit smoking plans and skin cancer screenings.

Of course, there are annual limits and criteria your provider needs to meet. Find out more here.

Are There Waiting Periods? 

All health funds have waiting periods before claiming on health insurance. We do our best to keep waiting periods as short as possible with most services having a two month waiting period. It’s the only way to protect our members from people who may join HIF, claim for an expensive medical treatment straight away then leave, which would hurt every member of the health fund.

Do I Need to Serve Waiting Periods if I Switch from Another Fund?

If you are with another provider and switch to HIF on the same level of cover, any waiting periods you’ve already served will be taken into account and you won’t have to wait to claim with HIF.

Of course, conditions apply - if you have changed to a higher level of Extras health cover with HIF you will have a waiting period for the higher level of cover, but during that period you can still be eligible for benefits at the same level of your old cover.

Read the Product Disclosure Statement

What are Benefit Limits and How Do They Work?  

Depending on your level of cover and how long you have been a HIF member for, there are annual limits on how much you can claim for certain treatments or categories of treatment. With Simple Options the annual and membership limit isn’t dependent on your length of HIF membership.


 

Simple Options Extra Cover

From

A simple extras cover policy that provides a generous annual limit on essential services. Designed for singles, couples and families wanting:

  • Freedom to choose how you use your annual and membership limit
  • Easy to understand benefits & annual limits
  • No preferred providers, you choose your service provider

Get a Quote

 

Want more inclusions?
Special Options Extras Cover could be for you.

Learn More


 

Need help choosing your level of cover?

Relax, we're here to help. If you require assistance at any stage in the process get in touch with us.