Osteopathy.
Because adjustments are a part of life.

Osteo involves the treatment of medical disorders through the manipulation and massage of the skeleton and musculature. So if you're suffering from back or neck pain, headaches, arthritis, repetitive strain injuries, vertigo, sciatica, sports injuries or tendonitis, you should consider consulting an Osteopath. And when you do, we've got your back (no matter how sore it is).

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Please read carefully and in conjunction with product factsheets

What does osteo treatment involve?

Osteopathy involves soft tissue work such as stretching, and manipulation of bones and muscles to promote mobility and restore your body's balance.

Which HIF Extras policies include osteo?

All of our Extras Cover options include osteo as standard. The only difference is the benefits and annual limits you can claim depend on your level of cover. Our Extras range also includes cover for other popular services which can help to soothe your aching bones, joints and muscles, such as physio, chiro, myotherapy and remedial massage.

Here's a quick rundown of the benefits you can claim on all of those services each year to keep your body feeling great!

Basic cover

Basic Extras

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- Physiotherapy
  Benefit:
  50% of each consultation
  Annual Limit per person:
  $300
  Annual Limit per policy:
  $600
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, chiropractic and osteopathy.
- Chiropractic
  Benefit:
  50% of each consultation
  
  X-ray: 50%
  Annual Limit per person:
  $300
  Annual Limit per policy:
  $600
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, chiropractic and osteopathy.
- Osteopathy
  Benefit:
  50% of each consultation
  Annual Limit per person:
  $300
  Annual Limit per policy:
  $600
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, chiropractic and osteopathy.
Value Extras

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- Physiotherapy
  Benefit:
  Individual consulatation: $30
  Group, hydrotherapy or antenatal: $15
  
  Annual Limit per person:
  $350
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.
- Chiropractic
  Benefit:
  Individual consultation: $25
  X-ray: $65 - Max 1 per year
  Annual Limit per person:
  $350
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.
- Osteopathy
  Benefit:
  Individual consultation: $25
  Annual Limit per person:
  $350
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Medium cover

Simple Extras

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- Physiotherapy
  Benefit:
  60% of each consultation
  Annual Limit per person:
  $350
  Annual Limit per policy:
  $700
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).
- Chiropractic
  Benefit:
  60% of each consultation
  
  X-ray: 60%
  Annual Limit per person:
  $350
  Annual Limit per policy:
  $700
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).
- Osteopathy
  Benefit:
  60% of each consultation
  Annual Limit per person:
  $350
  Annual Limit per policy:
  $700
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).
Essential Extras

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- Physiotherapy
  Benefit:
  Individual consulatation: $35
  Group, hydrotherapy or antenatal: $15
  
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.
- Chiropractic
  Benefit:
  Individual consultation: $28
  X-ray: $70 - Max 1 per year
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.
- Osteopathy
  Benefit:
  Individual consultation: $28
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Top cover

Advanced Extras

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- Physiotherapy
  Benefit:
  Individual consulatation: $45
  Group, hydrotherapy or antenatal: $20
  Annual Limit per person:
  $500
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy and exercise physiology.
- Chiropractic
  Benefit:
  Individual consultation: $32
  X-ray: $85 - Max 1 per year
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for chiropractic and osteopathy.
- Osteopathy
  Benefit:
  Individual consultation: $32
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for chiropractic and osteopathy
Top Extras

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- Physiotherapy
  Benefit:
  Individual consulatation: $50
  Group, hydrotherapy or antenatal: $20
  Annual Limit per person:
  $750
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined limit for physiotherapy and exercise physiology.
- Chiropractic
  Benefit:
  Individual consultation: $40
  X-ray: $110 - Max 1 per year
  Annual Limit per person:
  $550
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for chiropractic and osteopathy.
- Osteopathy
  Benefit:
  Individual consultation: $40
  Annual Limit per person:
  $550
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for chiropractic and osteopathy