What’s great about Super Options?

It has practically everything you could wish for – major dental, chiro, physio, optical, gym memberships and ambulance to name just a few. Plus, it covers a host of other health services like psychology, orthotics and speech therapy.

  • Wide range of services included

    Lower levels don’t include appliances, instruments, external prostheses and medical advice/education

  • 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

  • Lower cost than Premium Options Extras Cover

    Claim for all the same services except HIF Second Opinion

 

Save with
Super Options

It’s no wonder this cover is so popular, there’s just one exclusion and you receive generous benefits on your claims.

Join Now

 

What's included?

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

Key:
  • Included
  • Excluded
Teeth

Dental consultation

Per Person Annual Limit
Year 1: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

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: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

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: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

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

Waiting Period
2 months

X-rays

Per Person Annual Limit
General Dental (Unlimited)
Per person annual limit: Unlimited.

Limit Per Policy
-

Waiting Period
2 months

Dentist-fitted sports mouthguard

Per Person Annual Limit
Year 1: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

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: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,350

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: $1,150
Year 2: $1,350
Year 3: $1,550
Year 4: $1,750
Year 5: $2,050
After 5 years: $2,500

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: $500
Year 2: $600
Year 3: $700
Year 4: $800
Year 5: $900
After 5 years: $1,000

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: $500
Year 2: $600
Year 3: $700
Year 4: $800
Year 5: $900
After 5 years: $1,000

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: $1,300
Year 2: $1,500
Year 3: $1,700
Year 4: $1,900
Year 5: $2,200
After 5 years: $2,500
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: $900
Year 2: $1,000
Year 3: $1,100
Year 4: $1,200
Year 5: $1,300
After 5 years: $1,400

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
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

Physiotherapy

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.

Waiting Period
2 months

Osteopathy

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

Waiting Period
2 months

Remedial Massage

Per Person Annual Limit
Up to 3 years: $250/year
Over 3 years: $350/year

Limit Per Policy
$700/year

Waiting Period
2 months

Myotherapy

Per Person Annual Limit
Up to 3 years: $250/year
Over 3 years: $350/year

Limit Per Policy
$700/year

Waiting Period
2 months

Eyes

Glasses, contact lenses, and prescription sunglasses

Per Person Annual Limit
Up to 5 years: $260/year
Over 5 years: $325/year

Limit Per Policy
No limit

Waiting Period
2 months

Orthoptics (eye therapy)

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.

Waiting Period
2 months

Fitness & Wellbeing

Health Management Programs

Per Person Annual Limit
$100/year

Limit Per Policy
$200/year

Waiting Period
2 months

Weight loss programs

Per Person Annual Limit
$100/year

Limit Per Policy
$200/year

Waiting Period
2 months

Dietetics

Per Person Annual Limit
$324/year

Limit Per Policy
No limit

Waiting Period
2 months

Exercise physiology

Per Person Annual Limit
$100/year

Limit Per Policy
$200/year

Waiting Period
2 months

Quit smoking programs

Per Person Annual Limit
$100/year

Limit Per Policy
$200/year

Waiting Period
2 months

Pharmaceuticals

Non-PBS Drugs

Per Person Annual Limit
Up to 3 years: $200/year
Over 3 years: $400/year

Limit Per Policy
No limit

Waiting Period
2 months

Assisted Reproductive Therapy

Per Person Annual Limit
Up to 3 years: $200/year
Over 3 years: $400/year

Limit Per Policy
No limit

Waiting Period
36 months

Ambulance Transportation

Emergency road ambulance

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

Per Person Annual Limit
$354/year

Limit Per Policy
No limit

Waiting Period
2 months

Orthotics

Per Person Annual Limit
1 every 2 years from date of supply or every 12 months if the dependant has physically outgrown the orthotics.

Limit Per Policy
No limit

Waiting Period
12 months

Natural Therapies

Acupuncture

Per Person Annual Limit
Up to 3 years: $250/year
Over 3 years: $350/year

Limit Per Policy
$700/year

Waiting Period
2 months

Traditional Chinese medicine

Per Person Annual Limit
Up to 3 years: $250/year
Over 3 years: $350/year

Limit Per Policy
$700/year

Waiting Period
2 months

Clinical Therapies

Speech therapy

Per Person Annual Limit
Up to 5 years: $900/year
Over 5 years: $1,100/year

Limit Per Policy
No limit

Waiting Period
2 months

Occupational therapy

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.

Waiting Period
2 months

Psychology

Per Person Annual Limit
$740/year

Limit Per Policy
No limit

Waiting Period
12 months

Appliances & Instruments

Hearing aids

Per Person Annual Limit
Up to 5 years: $550 (maximum 1 per person)
Over 5 years: $550 per ear

Limit Per Policy
No limit

Waiting Period
36 months

Asthmatic spacers

Per Person Annual Limit
2 per year

Limit Per Policy
No limit

Waiting Period
2 months

Peak Flow Meter

Per Person Annual Limit
1 per year

Limit Per Policy
No limit

Waiting Period
2 months

Blood pressure monitor

Per Person Annual Limit
1 of either monitor every 3 years (blood pressure or blood glucose)

Limit Per Policy
No limit

Waiting Period
12 months

Blood glucose monitor

Per Person Annual Limit
1 of either monitor every 3 years (blood pressure or blood glucose)

Limit Per Policy
No limit

Waiting Period
12 months

Humidifier

Per Person Annual Limit
1 of either monitor every 3 years (humidifier or nebuliser)

Limit Per Policy
No limit

Waiting Period
12 months

Nebuliser

Per Person Annual Limit
1 of either monitor every 3 years (humidifier or nebuliser)

Limit Per Policy
No limit

Waiting Period
12 months

Circulation booster

Per Person Annual Limit
$1500/year

Limit Per Policy
No limit

Waiting Period
12 months

TENS machine

Per Person Annual Limit
$1500/year

Limit Per Policy
No limit

Waiting Period
12 months

CAM Walker

Per Person Annual Limit
$1500/year

Limit Per Policy
No limit

Waiting Period
12 months

CPAP Machine

Per Person Annual Limit
One monitor every 5 years from previous supply.

Limit Per Policy
No limit

Waiting Period
36 months

External Prostheses

Artificial limbs

Per Person Annual Limit
$1500/year

Limit Per Policy
No limit

Waiting Period
12 months

Wigs (resulting from illness)

Per Person Annual Limit
$1500/year

Limit Per Policy
No limit

Waiting Period
12 months

Mammary prostheses

Per Person Annual Limit
$1500/year

Limit Per Policy
No limit

Waiting Period
12 months

Medical Advice & Assistance

Auxiliary Home Nursing

Per Person Annual Limit
$1800/year

Limit Per Policy
No limit

Waiting Period
2 months for standard services
12 months for obstetric related care

Diabetes Education

Per Person Annual Limit
6 visits per year

Limit Per Policy
No limit

Waiting Period
2 months

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?

Medical Advice & Assistance

HIF Second Opinion

 

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.


 

Super Options Extra Cover

From

Need a level of Extras Cover that includes almost all services? Enjoy generous benefits and annual limits on a wide range of ancillary services. Available for singles, couples, parent with children and families.
Super Options provides:

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

Get a Quote

 

Want more inclusions?
Premium 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.