What’s great about Vital Options?

Vital Options is our entry-level of cover. It includes all those vital ‘general treatment’ services you might need, such as chiro, physio, osteo and general dental, plus some endodontic and periodontal items.

  • Freedom to choose how you use your annual limit

    Claim your full limit on one service like dental or split it across several treatments

  • Great value cover for singles or couples only

    Vital Options starts from just $0.69 per day

  • Easy to understand benefits & annual limits

    You’ll receive 50% back for each treatment or service until you reach the $800 per person annual limit

  • Your choice of any Extras provider

    We don't use preferred providers, we believe that’s your choice

 

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Vital Options

Just the essential services without the frills. Our 50% benefit on all claims keeps things simple.

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What's included?

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

Key:
  • Included
  • Excluded
Teeth

Dental consultation

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months 

General Dental item number covered on this policy
011-017, 022-118, 121, 123-141, 151-171, 311-314, 322-399, 511-588, 597, 911-915, 926, 949-986.

Scale and clean

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. 

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

General Dental item number covered on this policy
011-017, 022-118, 121, 123-141, 151-171, 311-314, 322-399, 511-588, 597, 911-915, 926, 949-986.

Bleaching

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. 

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

General Dental item number covered on this policy
011-017, 022-118, 121, 123-141, 151-171, 311-314, 322-399, 511-588, 597, 911-915, 926, 949-986.

X-rays

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

General Dental item number covered on this policy
011-017, 022-118, 121, 123-141, 151-171, 311-314, 322-399, 511-588, 597, 911-915, 926, 949-986.

Dentist-fitted sports mouthguard

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

General Dental item number covered on this policy
011-017, 022-118, 121, 123-141, 151-171, 311-314, 322-399, 511-588, 597, 911-915, 926, 949-986.

Adhesive restorations / fillings

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

General Dental item number covered on this policy
521-526, 531-536.

Removal of permanent teeth

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months for standard extraction
12 months for surgical extraction

General Dental item number covered on this policy
011-017, 022-118, 121, 123-141, 151-171, 311-314, 322-399, 511-588, 597, 911-915, 926, 949-986.

Major Dental item number covered on this policy
322-331, 595-595.

Endodontic

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

Item numbers covered on this policy
411-458.

Periodontic

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

Item numbers covered on this policy
213-251.

Bones, Joints and Muscles

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

Waiting Period
2 months

Ambulance Transportation

Emergency road ambulance

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.

Total Annual Limit
The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.

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?

Teeth

Orthodontic

Dentures, crowns and bridges

Bones Joints & Muscles

Remedial Massage

Myotherapy

Eyes

Glasses

Contact lenses

Prescription sunglasses

Orthoptics (eye therapy)

Fitness & Wellbeing

Health Management Programs

Weight loss programs

Dietetics

Exercise physiology

Quit smoking programs

Pharmaceuticals

Non-PBS Drugs

Assisted Reproductive Drugs

Ambulance Transportation

Non-emergency callouts

Feet

Podiatry consultations

Orthotics

Natural Therapies

Acupuncture

Traditional Chinese medicine

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.


 

Vital Options Extra Cover

From

An Extras policy that provides 50% back for each service or treatment until you reach your annual limit. Vital Options provides:

  • Freedom to choose how you use your annual limit
  • Budget cover for singles or couples only
  • Easy to understand benefits & annual limits
  • Your choice of any service provider

Get a Quote

 

Want more inclusions?
Saver 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.