Hospital + Extras Cover

Basic cover in the event of an accident.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• Private room in an HIF-contracted hospital¹
• Treatment in the event of an accident 
• Avoid the Medicare Levy Surcharge (MLS)

Great value for the young, fit and healthy.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• Choice of hospital and doctor
• Private room in an HIF-contracted hospital¹
• 18 hospital clinical categories 
• Avoid the Medicare Levy Surcharge (MLS)

Like Bronze, plus five additional services.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• Choice of hospital and doctor
• Private room in an HIF-contracted hospital¹
• 23 hospital clinical categories 
• Choice of higher excess 

Intermediate cover.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• Choice of hospital and doctor
• Private room in an HIF-contracted hospital¹
• 29 hospital clinical categories 
• Choice of higher excess

Comprehensive cover, minus maternity.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• Choice of hospital and doctor
• Private room in an HIF-contracted hospital¹
• 34 hospital clinical categories
• Choice of higher excess 
• Second Opinion on any diagnosis, condition or treatment

Top hospital cover option for total peace of mind.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• Choice of hospital and doctor
• Private room in an HIF-contracted hospital¹
• 38 hospital clinical categories
• Choice of higher excess 
• Includes pregnancy and birth cover
• Second opinion on any diagnosis, condition or treatment

Basic Extras is our entry-level cover, providing 50% or more back on commonly used services such as general dental, optical, physio, chiro, osteo and emergency ambulance!

• Emergency Ambulance - 100% for one emergency ambulance³
• Optical - Annual limit $150 per person I 300 per policy⁴
• Your choice of any service provider

Value-packed Extras includes services for common health needs such as general dental, optical, physio, chiro, pharmacy, complementary therapies, healthy lifestyle and more.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• Optical - Annual limit $150 per person⁴
• General dental - Annual limit $750 per person 
• Your choice of any service provider

Simple Extras is just that, simple. It provides 60% or more back on services like general and major dental, ambulance, optical, chiro, physio, osteo, pharmacy and more.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• General dental - Annual limit $600 per person I $1200 per policy 
• Major dental - Annual limit $600 per person I $1200 per policy 
• Optical - Annual limit $200 per person I $400 per policy⁴
• Your choice of any service provider

Essential Extras includes essential services like general and major dental, orthodontics, optical, chiro, physio, podiatry, ambulance, pharmacy, dietetics, complementary therapies and more.

• Emergency Ambulance - 100% of the fee³
• Non Emergency Ambulance³
• General dental, Major dental & Orthodontic - Combined annual limit $1250 per person 
• Physio, Chiro & Osteo, Exercise Physiology, Podiatry and Dietetics - Combined annual limit $400 per person 
• Optical - Annual limit $200 per person⁴
• Your choice of any service provider

Our higher value Extras cover, Advanced Extras includes 20+ services from general and major dental, orthodontics, physio, chiro, podiatry, pharmacy, psychology and more.

• Emergency Ambulance - 100% of the fee³
• Non-Emergency Ambulance³
• General dental - Annual limit $1000 per person 
• Major dental - Annual limit $1000 per person 
• Optical - Annual limit $275 per person⁴
• Physio & Exercise Physiology - Combined Annual limit $500 per person
• Cover for 20+ Extras services 
• Your choice of any service provider

Top by name, top by nature. Our premium cover includes larger benefits and higher limits. Plus access to HIF Second Opinion and Mental Health Navigator.

• Emergency Ambulance - 100% of the fee³
• Non-Emergency Ambulance³
• General dental - Unlimited 
• Major dental - Annual limit $1500 per person
• Optical - Annual limit $300 per person⁴
• Cover for 20+ Extras services 
• Access a second opinion on any diagnosis or treatment from a world leading expert
• Your choice of any service provider