What’s great about Special Options?

Special Options includes all those essential services like dental, podiatry, healthy lifestyle services, complementary therapies, ambulance and more. Plus, it covers those more complex ‘major’ dental services like orthodontics, crowns and bridges.

  • Ideal for families who may need orthodontic cover

    Lower levels of cover exclude orthodontic treatment

  • Higher benefits on some services

    You’ll receive more back on optical, chiro and physio than lower levels of cover offer

  • Increased benefits and annual limits for loyal members

    The longer you’re a member, the more we pay out on some claims

  • Your choice of any service provider

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

 

Save with
Special Options

Offering a lower premium that other levels of cover with most of services covered.

Join Now

 

What's included?

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

Key:
  • Included
  • Excluded
Teeth

Dental consultation

Per Person Annual Limit
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
2 months

Scale and clean

Per Person Annual Limit
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
2 months

Bleaching

Per Person Annual Limit
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
2 months

X-rays

General Dental (Unlimited)

Per person annual limit
Unlimited.

Limit Per Policy
Unlimited.

Waiting Period
2 months

Dentist-fitted sports mouthguard

Per Person Annual Limit
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
2 months

Adhesive restorations / fillings

Per Person Annual Limit
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
2 months

Removal of permanent teeth

STANDARD EXTRACTION

General Dental (Unlimited)

Per person annual limit
Unlimited

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
2 months

SURGICAL EXTRACTION

General Dental (Unlimited)

Per person annual limit for this category
Year 1: $800
Year 2: $950
Year 3: $1,150
Year 4: $1,350
Year 5: $1,550
After 5 years: $1,750

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
12 months

Endodontic

Per Person Annual Limit
Year 1: $300
Year 2: $400
Year 3: $500
Year 4: $600
Year 5: $700
After 5 years: $800

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
2 months

Periodontic

Per Person Annual Limit
Year 1: $300
Year 2: $400
Year 3: $500
Year 4: $600
Year 5: $700
After 5 years: $800

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
2 months

Orthodontic

Per Person Annual Limit
Year 1: $1,000
Year 2: $1,200
Year 3: $1,400
Year 4: $1,600
Year 5: $1,800
After 5 years: $2,000
Please note: Orthodontic limits are lifetime limits per person.

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
12 months

Dentures, crowns and bridges

Per Person Annual Limit
Year 1: $600
Year 2: $700
Year 3: $800
Year 4: $900
Year 5: $1,000
After 5 years: $1,100

Limit Per Policy
An overall annual limit applies to all dental services inclusive.
Click here for full details.

Waiting Period
12 months

Bones Joints and Muscles

Chiropractic

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

Physiotherapy

Per Person Annual Limit
$450/year

Limit Per Policy
$900/year

Waiting Period
2 months

Osteopathy

Per Person Annual Limit
$450/year

Limit Per Policy
$900/year

The limits detailed above are subject to a combined annual limit for complementary therapies, chiro, osteo, physio and podiatry consultations

Waiting Period
2 months

Remedial Massage

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 annual limit for complementary therapies, chiro, osteo, physio and podiatry consultations

Waiting Period
2 months

Myotherapy

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 annual limit for complementary therapies, chiro, osteo, physio and podiatry consultations

Waiting Period
2 months

Eyes

Glasses, contact lenses, prescription sunglasses

Per Person Annual Limit
Up to 5 years: $140/year
Over 5 years: $155/year

Limit Per Policy
No limit

Waiting Period
2 months

Fitness & Wellbeing

Health Management Programs

Per Person Annual Limit
$75/year

Limit Per Policy
$150/year

Waiting Period
2 months

Weight loss programs

Per Person Annual Limit
$75/year

Limit Per Policy
$150/year

Waiting Period
2 months

Dietetics

Per Person Annual Limit
$252/year

Limit Per Policy
No limit

Waiting Period
2 months

Exercise physiology

Per Person Annual Limit
$75/year

Limit Per Policy
$150/year

Waiting Period
2 months

Quit smoking programs

Per Person Annual Limit
$75/year

Limit Per Policy
$150/year

Waiting Period
2 months

Pharmaceuticals

Non-PBS Drugs

Per Person Annual Limit
$200/year

Limit Per Policy
No limit

Waiting Period
2 months

Ambulance Transportation

Emergency road ambulance

Per Person Annual Limit
No limit

Limit Per Policy
No limit

Waiting Period
2 months

Non-emergency callouts

$50 co-payment applies

Per Person Annual Limit
No limit

Limit Per Policy
No limit

Waiting Period
2 months

Feet

Podiatry consultations

Per Person Annual Limit
$450/year

Limit Per Policy
$900/year

Waiting Period
2 months

Natural Therapies

Acupuncture

Per Person Annual Limit
Up to 3 years: $100/year
Over 3 years: $200/year

Limit Per Policy
$400/year

Waiting Period
2 months

Traditional Chinese medicine

Per Person Annual Limit
Up to 3 years: $100/year
Over 3 years: $200/year

Limit Per Policy
$400/year

Waiting Period
2 months

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?

Eyes

Orthoptics (eye therapy)

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 (which can be bundled together into combined cover). Extras cover Includes non-hospital medical treatments that aren’t covered by Medicare whereas Hospital cover gives you the option to be treated as a private patient in a private or public hospital.

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, email us on hello_[at]_hif.com.au or call us on 1300 12 40 60. Read more about Medical Appliances.

Do you offer cover for fitness and wellbeing programs? 

We want every HIF member to enjoy a healthy and happy lifestyle. That’s why our Saver Options, Special Options, Super Options and Premium Options extras policies include Health Management Programs which include gym memberships, weight loss programs, dietetics, exercise physiology, and quit smoking programs. Find out more here.

Are there waiting periods? 

All health funds have waiting periods before you're able to claim on health insurance. While we do our best to keep waiting periods as short as possible, they're a necessity as 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 our community.

Do I need to serve waiting periods if I switch from another fund?

If you're with another provider and switch to HIF on an equivalent  level of cover, any waiting periods you’ve already served will be taken into account and you'll be able to claim straight away  with HIF.

Of course, conditions apply - if you have switched  to a higher level of Extras health cover with HIF waiting periods for applicable services on your higher level of cover will apply.

Read the Product Disclosure Statement

What are annual limits and how do they work?  

An 'annual limit' is the maximum amount of benefits payable to a member in a calendar year, commencing January 1 and ending December 31.  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.


 

Special Options Extra Cover

From

Need a level of cover that includes all the essential services plus some of the more complex ‘major’ dental services like orthodontics, crowns and bridges? Special Options is:

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

Get a Quote

 

Want more inclusions?
Super 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.