Extras Cover
Choose from our range of award winning cover options.

Mention Extras health insurance and people tend to glaze over. It can seem a bit dull. But it’s not. Our Extras cover is a wonderful thing, supplementing your private hospital cover with handy everyday services like ambulance, dental, optical, physio and chiro, plus complementary therapies like acupuncture and remedial massage. And with some of the lowest premiums in Australia, our popular Extras are great value for money too, providing peace of mind from as little as 69 cents a day.

Even better, we give our Members total freedom to choose their own dentist, optician, and other Extras providers. It's just one of the things that makes all the difference at HIF.

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Please read carefully and in conjunction with product factsheets

HIF Extras Cover Comparison Table.

Key:

Included
Not Included

Who do you need cover for?

Just me
Both of us
Myself & my kids
Our Family

Vital Options
Saver Options
Simple Options
Special Options
Super Options
Premium Options

	Vital Options $0.71* $1.42* Factsheet	Saver Options $0.80* $1.60* Factsheet	Simple Options $1.01* $2.02* $2.02* $2.12* Factsheet	Special Options $1.28* $2.55* Factsheet	Super Options $2.00* $4.03* Factsheet	Premium Options $2.78* $5.55* Factsheet
Teeth
Expand	Dental consultation Dental Category: General Dental 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dental consultation Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $750 Year 2: $850 Year 3: $950 Year 4: $1,050 Year 5: $1,150 5+ years: $1,250 Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dental consultation Dental Category: General Dental (Limited) Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services. Waiting period: 2 months Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596 Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dental consultation Dental Category: General Dental (Limited) 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dental consultation Dental Category: General Dental (Limited) 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: $2,350 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dental consultation Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $1,500 Year 2: $1,800 Year 3: $2,100 Year 4: $2,400 Year 5: $2,700 After 5 years: $3,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.
Expand	Scale and clean Dental Category: General Dental 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Scale and clean Dental Category: General Dental (Limited) Per person annual limit: Year 1: $750 Year 2: $850 Year 3: $950 Year 4: $1,050 Year 5: $1,150 5+ years: $1,250 Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Scale and clean Dental Category: General Dental (Limited) Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services. Waiting period: 2 months Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596 Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Scale and clean Dental Category: General Dental (Limited) 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Scale and clean Dental Category: General Dental (Limited) 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: $2,350 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Scale and clean Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $1,500 Year 2: $1,800 Year 3: $2,100 Year 4: $2,400 Year 5: $2,700 After 5 years: $3,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.
Expand	Bleaching Dental Category: General Dental 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Bleaching Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $750 Year 2: $850 Year 3: $950 Year 4: $1,050 Year 5: $1,150 5+ years: $1,250 Waiting period: 2 months Please note: A maximum of 4 teeth can be claimed per calendar year. Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Bleaching Dental Category: General Dental (Limited) Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services. Waiting period: 2 months Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596 Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Bleaching Dental Category: General Dental (Limited) 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please note: A maximum of 8 teeth can be claimed per calendar year. Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Bleaching Dental Category: General Dental (Limited) 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: $2,350 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please note: A maximum of 10 teeth can be claimed per calendar year. Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Bleaching Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $1,500 Year 2: $1,800 Year 3: $2,100 Year 4: $2,400 Year 5: $2,700 After 5 years: $3,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please note: A maximum of 12 teeth can be claimed per calendar year. Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.
Expand	X-rays Dental Category: General Dental 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	X-rays Dental Category: General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	X-rays Dental Category: General Dental (Limited) Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services. Waiting period: 2 months Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596 Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	X-rays Dental Category: General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	X-rays Dental Category: General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	X-rays Dental Category: General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.
Expand	Dentist-fitted sports mouthguard Dental Category: General Dental 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dentist-fitted sports mouthguard Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $750 Year 2: $850 Year 3: $950 Year 4: $1,050 Year 5: $1,150 5+ years: $1,250 Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dentist-fitted sports mouthguard Dental Category: General Dental (Limited) Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services. Waiting period: 2 months Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596 Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dentist-fitted sports mouthguard Dental Category: General Dental (Limited) 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dentist-fitted sports mouthguard Dental Category: General Dental (Limited) 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: $2,350 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Dentist-fitted sports mouthguard Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $1,500 Year 2: $1,800 Year 3: $2,100 Year 4: $2,400 Year 5: $2,700 After 5 years: $3,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.
Expand	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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. General Dental item numbers covered on this policy: 521-526, 531-536 Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Adhesive restorations / fillings Dental Category 1: General Dental (Unlimited) Item numbers covered in this category: 521-525, 531-535 Per person annual limit for this category: Year 1: $750 Year 2: $850 Year 3: $950 Year 4: $1,050 Year 5: $1,150 5+ years: $1,250 Waiting period: 2 months Dental Category 2: General Dental (Limited) Item numbers covered in this category: 526, 536 Per person annual limit: Unlimited. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Adhesive restorations / fillings Dental Category: General Dental (Limited) Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services. Waiting period: 2 months Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596 Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Adhesive restorations / fillings Dental Category 1: General Dental (Unlimited) Item numbers covered in this category: 521-525, 531-535 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Dental Category 2: General Dental (Limited) Item numbers covered in this category: 526, 536 Per person annual limit: Unlimited. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Adhesive restorations / fillings Dental Category 1: General Dental (Unlimited) Item numbers covered in this category: 521-525, 531-535 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: $2,350 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Dental Category 2: General Dental (Limited) Item numbers covered in this category: 526, 536 Per person annual limit: Unlimited. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Adhesive restorations / fillings Dental Category 1: General Dental (Unlimited) Item numbers covered in this category: 521-525, 531-535 Per person annual limit for this category: Year 1: $1,500 Year 2: $1,800 Year 3: $2,100 Year 4: $2,400 Year 5: $2,700 After 5 years: $3,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Dental Category 2: General Dental (Limited) Item numbers covered in this category: 526, 536 Per person annual limit: Unlimited. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.
Expand	Removal of permanent teeth General Dental item numbers covered on this policy: 011-017, 022-118, 121, 123-141, 151-171, 311-314, 332-399, 511-588, 597, 911-915, 926, 949-986. Major Dental item numbers covered on this policy: 322-331, 595-596. Waiting period: - 2 months for standard extraction - 12 months for surgical extraction 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Removal of permanent teeth STANDARD EXTRACTION Dental Category: General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months SURGICAL EXTRACTION Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $750 Year 2: $850 Year 3: $950 Year 4: $1,050 Year 5: $1,150 5+ years: $1,250 Waiting period: 12 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Removal of permanent teeth Dental Category: General Dental (Limited) Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for General Dental services. Waiting period: 2 months Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596 Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Removal of permanent teeth STANDARD EXTRACTION Dental Category: General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months SURGICAL EXTRACTION Dental Category: General Dental (Limited) 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Removal of permanent teeth STANDARD EXTRACTION Dental Category: General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months SURGICAL EXTRACTION Dental Category: General Dental (Limited) 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.	Removal of permanent teeth STANDARD EXTRACTION Dental Category: General Dental (Unlimited) Per person annual limit: Unlimited. Waiting period: 2 months SURGICAL EXTRACTION Dental Category: General Dental (Limited) Per person annual limit for this category: Year 1: $1,500 Year 2: $1,800 Year 3: $2,100 Year 4: $2,400 Year 5: $2,700 After 5 years: $3,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months Please contact us if you'd like more info or wish to receive a benefit estimate. Click here to view our top dental services and benefits by item number.
Expand	Endodontic Dental category: Periodontic and 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. Item numbers covered: 411-458 Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Endodontic Not covered.	Endodontic Dental Category: Periodontic and Endodontic Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for Major Dental services. Waiting period: 2 months Please note: A 12-month waiting period applies to item numbers 322-324, 331 & 595-596 Please contact us if you'd like more info or wish to receive a benefit estimate.	Endodontic Dental category: Periodontic and Endodontic Per person annual limit for this category: Year 1: $300 Year 2: $400 Year 3: $500 Year 4: $600 Year 5: $700 After 5 years: $800 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note, an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Endodontic Dental category: Periodontic and Endodontic Per person annual limit for this category: Year 1: $500 Year 2: $600 Year 3: $700 Year 4: $800 Year 5: $900 After 5 years: $1,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note, an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Endodontic Dental category: Periodontic and Endodontic Per person annual limit for this category: Year 1: $700 Year 2: $800 Year 3: $900 Year 4: $1,000 Year 5: $1,100 After 5 years: $1,200 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note, an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate.
Expand	Periodontic Dental category: Periodontic and 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. Item numbers covered: 213-251 Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Periodontic Not covered.	Periodontic Dental Category: Periodontic and Endodontic Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for Major Dental services. Waiting period: 12 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Periodontic Dental category: Periodontic and Endodontic Per person annual limit for this category: Year 1: $300 Year 2: $400 Year 3: $500 Year 4: $600 Year 5: $700 After 5 years: $800 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Periodontic Dental category: Periodontic and Endodontic Per person annual limit for this category: Year 1: $500 Year 2: $600 Year 3: $700 Year 4: $800 Year 5: $900 After 5 years: $1,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Periodontic Dental category: Periodontic and Endodontic Per person annual limit for this category: Year 1: $700 Year 2: $800 Year 3: $900 Year 4: $1,000 Year 5: $1,100 After 5 years: $1,200 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic (please note: a lifetime limit applies to Orthodontic, please contact us for more details). Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 2 months Please contact us if you'd like more info or wish to receive a benefit estimate.
Expand	Orthodontic Not covered.	Orthodontic Not covered.	Orthodontic Not covered.	Orthodontic Dental category: Orthodontic Per person lifetime 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic. Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months Please note: Orthodontic limits are lifetime limits per person. Benefits are not payable in excess of the annual limit shown and include benefits paid under another health insurance policy. The applicable benefit is payable on the date the service is rendered, e.g. the date braces are fitted. Please contact us if you'd like more info or wish to receive a benefit estimate.	Orthodontic Dental category: Orthodontic Per person lifetime 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 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic. Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months Please note: Orthodontic limits are lifetime limits per person. Benefits are not payable in excess of the annual limit shown and include benefits paid under another health insurance policy. The applicable benefit is payable on the date the service is rendered, e.g. the date braces are fitted. Please contact us if you'd like more info or wish to receive a benefit estimate.	Orthodontic Dental category: Orthodontic Per person lifetime limit: Year 1: $1,500 Year 2: $1,800 Year 3: $2,100 Year 4: $2,400 Year 5: $2,700 After 5 years: $3,000 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures Crowns and Bridges, Periodontic, Endodontic, and Orthodontic. Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months Please note: Orthodontic limits are lifetime limits per person. Benefits are not payable in excess of the annual limit shown and include benefits paid under another health insurance policy. The applicable benefit is payable on the date the service is rendered, e.g. the date braces are fitted. Please contact us if you'd like more info or wish to receive a benefit estimate.
Expand	Dentures, crowns and bridges Not covered.	Dentures, crowns and bridges Not covered.	Dentures, crowns and bridges Dental Category: Dentures, Crowns and Bridges Benefit: 60% of provider fee Per person annual limit: $600/year Limit per policy: $1200/year The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1200 for Major Dental services. Waiting period: 12 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Dentures, crowns and bridges Dental category: Dentures, Crowns and Bridges. Per person annual limit for this category: Year 1: $600 Year 2: $700 Year 3: $800 Year 4: $900 Year 5: $1,000 After 5 years: $1,100 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures, Crowns and Bridges, Periodontic, Endodontic, and Orthodontic. Please note: A lifetime limit applies to Orthodontic and benefits are not paid on replacement and partial dentures within three years of previous supply, please contact us for more details. Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months Please contact us if you'd like more info or wish to receive a benefit estimate.	Dentures, crowns and bridges Dental category: Dentures, Crowns and Bridges. Per person annual limit for this category: Year 1: $900 Year 2: $1,000 Year 3: $1,100 Year 4: $1,200 Year 5: $1,300 After 5 years: $1,400 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures, Crowns and Bridges, Periodontic, Endodontic, and Orthodontic. Please note: A lifetime limit applies to Orthodontic and benefits are not paid on replacement and partial dentures within three years of previous supply, please contact us for more details. Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months. Please contact us if you'd like more info or wish to receive a benefit estimate.	Dentures, crowns and bridges Dental category: Dentures, Crowns and Bridges. Per person annual limit for this category: Year 1: $1,200 Year 2: $1,300 Year 3: $1,400 Year 4: $1,500 Year 5: $1,600 After 5 years: $1,700 The limits detailed above are subject to a combined dental limit inclusive of General (limited), Inlay/Onlay, Dentures, Crowns and Bridges, Periodontic, Endodontic, and Orthodontic. Please note: A lifetime limit applies to Orthodontic and benefits are not paid on replacement and partial dentures within three years of previous supply, please contact us for more details. Total dental annual limit: Please note - an overall annual limit applies to all dental services inclusive. Click here for full details. Waiting period: 12 months Please contact us if you'd like more info or wish to receive a benefit estimate.
Bones, joints and muscles
Expand	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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. Waiting period: 2 months Category: Physiotherapy	Physiotherapy Benefit: $32 per visit up to a max. 10 visits $13 - antenatal $13 - hydrotherapy $13 - group Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. A $250 sub-limit applies for antenatal, group and hydrotherapy sessions. Waiting period: 2 months Category: Physiotherapy	Physiotherapy Benefit: 60% of provider fee Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall annual limit of $350 per person per policy and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. Waiting period: 2 months Category: Physiotherapy	Physiotherapy Benefit: $35 per visit up to a max. 10 visits $13 - antenatal $13 - hydrotherapy $13 - group 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 a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations. A $300 sub-limit applies for antenatal, group and hydrotherapy sessions. Waiting period: 2 months Category: Physiotherapy	Physiotherapy Benefit: $40 per visit up to a max. 12 visits $13 - antenatal $13 - hydrotherapy $13 - group 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. A sub-limit of $450 applies for antenatal, group and hydrotherapy sessions. Waiting period: 2 months Category: Physiotherapy	Physiotherapy Benefit: $50 per visit up to a max. 15 visits $15 - antenatal $15 - hydrotherapy $15 - group Per person annual limit: Up to 5 years: $1200/year Over 5 years: $1500/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. A sub-limit of $600 applies for antenatal, group and hydrotherapy sessions. Waiting period: 2 months Category: Physiotherapy
Expand	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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. Waiting period: 2 months Category: Chiropractic Please note: Benefits are paid for spinal manipulation or spinal adjustments.	Chiropractic Benefit: $26 per visit up to a max. 10 visits $65 - X-ray (max. 1 per year) Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Chiropractic Please note: Benefits are paid for spinal manipulation or spinal adjustments.	Chiropractic Benefit: 60% of provider fee Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. Waiting period: 2 months Category: Chiropractic Please note: Benefits are paid for spinal manipulation or spinal adjustments.	Chiropractic Benefit: $27.50 per visit up to a max. 10 visits $70 - X-ray (max. 1 per year) 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 Category: Chiropractic Please note: Benefits are paid for spinal manipulation or spinal adjustments.	Chiropractic Benefit: $30 per visit up to a max. 12 visits $85 - X-ray (max. 1 per year) 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 Category: Chiropractic Please note: Benefits are paid for spinal manipulation or spinal adjustments.	Chiropractic Benefit: $35 per visit up to a max. 15 visits $110 - X-ray (max. 1 per year) Per person annual limit: Up to 3 years: $650/year Over 3 years: $750/year Limit per policy: Up to 3 years: $1,300/year Over 3 years: $1,500/year The limits detailed above are subject to a combined annual limit for chiro and osteo. Waiting period: 2 months Category: Chiropractic Please note: Benefits are paid for spinal manipulation or spinal adjustments.
Expand	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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. Waiting period: 2 months Category: Osteopathy	Osteopathy Benefit: $26 per visit up to a max. 10 visits Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Osteopathy	Osteopathy Benefit: 60% of provider fee Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. Waiting period: 2 months Category: Osteopathy	Osteopathy Benefit: $27.50 per visit up to a max. 10 visits 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 Category: Osteopathy	Osteopathy Benefit: $30 per visit up to a max. 12 visits 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 Category: Osteopathy	Osteopathy Benefit: $35 per visit up to a max. 15 visits Per person annual limit: Up to 3 years: $650/year Over 3 years: $750/year Limit per policy: Up to 3 years: $1,300/year Over 3 years: $1,500/year The limits detailed above are subject to a combined annual limit for chiro and osteo. Waiting period: 2 months Category: Osteopathy
Expand	Remedial massage Not covered.	Remedial massage Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management. Benefit: $15 - visits 1-6 $10 - visits 7+ Per person annual limit: Up to 3 years: $50/year Over 3 years: $100/year Limit per policy: $200/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Remedial massage Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Remedial massage Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management. Benefit: $16 - visits 1-6 $11 - visits 7+ 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 overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Remedial massage Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management. Benefit: $20 - visits 1-6 $13 - visits 7+ Per person annual limit: Up to 3 years: $250/year Over 3 years: $350/year Limit per policy: $700/year Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Remedial massage Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management. Benefit: $25 - visits 1-6 $17 - visits 7+ Per person annual limit: Up to 3 years: $500/year Over 3 years: $600/year Limit per policy: No limit Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
Expand	Myotherapy Not covered.	Myotherapy Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies. Benefit: $15 - visits 1-6 $10 - visits 7+ Per person annual limit: Up to 3 years: $50/year Over 3 years: $100/year Limit per policy: $200/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Myotherapy Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Myotherapy Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies. Benefit: $16 - visits 1-6 $11 - visits 7+ 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 overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Myotherapy Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies. Benefit: $20 - visits 1-6 $13 - visits 7+ Per person annual limit: Up to 3 years: $250/year Over 3 years: $350/year Limit per policy: $700/year Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Myotherapy Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies. Benefit: $25 - visits 1-6 $17 - visits 7+ Per person annual limit: Up to 3 years: $500/year Over 3 years: $600/year Limit per policy: No limit Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
Eyes
Expand	Glasses Not covered.	Glasses Per person annual limit: Up to 5 years: $110/year Over 5 years: $121/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Glasses Benefit: 100% of provider fee up to annual limit Per person annual limit: $200/year Limit per policy: $400/year Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Glasses Per person annual limit: Up to 5 years: $140/year Over 5 years: $155/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Glasses Per person annual limit: Up to 5 years: $260/year Over 5 years: $325/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Glasses Per person annual limit: Up to 5 years: $280/year Over 5 years: $350/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.
Expand	Contact lenses Not covered.	Contact lenses Per person annual limit: Up to 5 years: $110/year Over 5 years: $121/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Contact lenses Benefit: 100% of provider fee up to annual limit Per person annual limit: $200/year Limit per policy: $400/year Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Contact lenses Per person annual limit: Up to 5 years: $140/year Over 5 years: $155/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Contact lenses Per person annual limit: Up to 5 years: $260/year Over 5 years: $325/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Contact lenses Per person annual limit: Up to 5 years: $280/year Over 5 years: $350/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.
Expand	Prescription sunglasses Not covered.	Prescription sunglasses Per person annual limit: Up to 5 years: $110/year Over 5 years: $121/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Prescription sunglasses Benefit: 100% of provider fee up to annual limit Per person annual limit: $200/year Limit per policy: $400/year Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are not payable on non-prescription safety glasses, protective glasses, tinting, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider	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 Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	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 Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.	Prescription sunglasses Per person annual limit: Up to 5 years: $280/year Over 5 years: $350/year Limit per policy: No limit Waiting period: 2 months Did you know... HIF members get bonus discounts of up to 25% from a range of high street and online optical stores? - Find out more Category: Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses). Please note: Benefits are paid on items carried out by a registered optometrist or optical provider, approved by HIF. Benefits are not paid on non-prescription safety glasses, protective glasses, all tinting, coatings or grinding, sunglasses, cosmetic glasses or cosmetic contact lenses, or frames not purchased via a registered Australian optical provider.
Expand	Orthoptics (eye therapy) Not covered.	Orthoptics (eye therapy) Not covered.	Orthoptics (eye therapy) Not covered.	Orthoptics (eye therapy) Not covered.	Orthoptics (eye therapy) Orthoptics is a discipline in eye healthcare specialising in the assessment, diagnosis and non-surgical management of eye disorders. Benefit: $50 - initial visit $25 - subsequent visits 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 Category: Orthoptics	Orthoptics (eye therapy) Orthoptics is a discipline in eye healthcare specialising in the assessment, diagnosis and non-surgical management of eye disorders. Benefit: $50 - initial visit $25 - subsequent visits Per person annual limit: Up to 5 years: $1,200/year Over 5 years: $1,500/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 Category: Orthoptic
Fitness and wellbeing
Expand	Health Management Programs (incl. Gym memberships) Not covered.	Health Management Programs (incl. Gym memberships) A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified personal trainer. Per person annual limit: $50/year Limit per policy: $100/year Waiting period: 2 months The limits detailed above are subject to a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: To claim for a Health Management Plan or gym membership, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your gym membership invoice and a completed HIF Extras Claim Form	Health Management Programs (incl. Gym memberships) A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified persona trainer. Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: To claim for a Health Management Plan or gym membership, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your gym membership invoice and a completed HIF Extras Claim Form	Health Management Programs (incl. Gym memberships) A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified personal trainer. Per person annual limit: $75/year Limit per policy: $150/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: To claim for a Health Management Plan or gym membership, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your gym membership invoice and a completed HIF Extras Claim Form	Health Management Programs (incl. Gym memberships) A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified personal trainer. Per person annual limit: $100/year Limit per policy: $200/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: To claim for a Health Management Plan or gym membership, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your gym membership invoice and a completed HIF Extras Claim Form	Health Management Programs (incl. Gym memberships) A benefit towards your gym membership may be claimed if it forms part of an approved Health Management Plan, provided by a qualified personal trainer. Per person annual limit: $125/year Limit per policy: $250/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: To claim for a Health Management Plan or gym membership, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your gym membership invoice and a completed HIF Extras Claim Form
Expand	Weight loss programs Not covered.	Weight loss programs Per person annual limit: $50/year Limit per policy: $100/year Waiting period: 2 months The limits detailed above are subject to a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: The following programs are currently approved by HIF: Weight Watchers, Jenny Craig, Sure Slim, Dr Cohen’s Lifestyle Clinic, Healthy Inspirations, Kate Morgan, Michelle Bridges' 12 Week Body Transformation Program, Susie Burrell’s Shape Me Plan, Tony Ferguson, Terry White Chemists’ Weight Loss Program, and Metagenics’ Shake It Professional Weight Loss Program. If you'd like to claim for a weight loss program, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your paid invoice and a completed HIF Extras Claim Form Please note: Benefits cannot be claimed on optional materials such as shakers or foodstuffs or online program purchases, with the exception of Michelle Bridges 12 WBT and Susie Burrell’s Shape Me.	Weight loss programs Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: The following programs are currently approved by HIF: Weight Watchers, Jenny Craig, Sure Slim, Dr Cohen’s Lifestyle Clinic, Healthy Inspirations, Kate Morgan, Michelle Bridges' 12 Week Body Transformation Program, Susie Burrell’s Shape Me Plan, Tony Ferguson, Terry White Chemists’ Weight Loss Program, and Metagenics’ Shake It Professional Weight Loss Program. Benefits cannot be claimed on optional materials such as shakers or foodstuffs.	Weight loss programs Per person annual limit: $75/year Limit per policy: $150/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: The following programs are currently approved by HIF: Weight Watchers, Jenny Craig, Sure Slim, Dr Cohen’s Lifestyle Clinic, Healthy Inspirations, Kate Morgan, Michelle Bridges' 12 Week Body Transformation Program, Susie Burrell’s Shape Me Plan, Tony Ferguson, Terry White Chemists’ Weight Loss Program, and Metagenics’ Shake It Professional Weight Loss Program. To claim for a weight loss program, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your paid invoice and a completed HIF Extras Claim Form Please note: Benefits cannot be claimed on optional materials such as shakers or foodstuffs or online program purchases, with the exception of Michelle Bridges 12 WBT and Susie Burrell’s Shape Me.	Weight loss programs Per person annual limit: $100/year Limit per policy: $200/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: The following programs are currently approved by HIF: Weight Watchers, Jenny Craig, Sure Slim, Dr Cohen’s Lifestyle Clinic, Healthy Inspirations, Kate Morgan, Michelle Bridges' 12 Week Body Transformation Program, Susie Burrell’s Shape Me Plan, Tony Ferguson, Terry White Chemists’ Weight Loss Program, and Metagenics’ Shake It Professional Weight Loss Program. If you'd like to claim for a weight loss program, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your paid invoice and a completed HIF Extras Claim Form Please note: Benefits cannot be claimed on optional materials such as shakers or foodstuffs or online program purchases, with the exception of Michelle Bridges 12 WBT and Susie Burrell’s Shape Me.	Weight loss programs Per person annual limit: $125/year Limit per policy: $250/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: The following programs are currently approved by HIF: Weight Watchers, Jenny Craig, Sure Slim, Dr Cohen’s Lifestyle Clinic, Healthy Inspirations, Kate Morgan, Michelle Bridges' 12 Week Body Transformation Program, Susie Burrell’s Shape Me Plan, Tony Ferguson, Terry White Chemists’ Weight Loss Program, and Metagenics’ Shake It Professional Weight Loss Program. If you'd like to claim for a weight loss program, please ask your personal trainer or referring GP to complete our Health Management Form and return a copy to us along with your paid invoice and a completed HIF Extras Claim Form Please note: Benefits cannot be claimed on optional materials such as shakers or foodstuffs or online program purchases, with the exception of Michelle Bridges 12 WBT and Susie Burrell’s Shape Me.
Expand	Dietetics Not covered.	Dietetics Benefit: $36 - first visit $18 - subsequent visits $10 - group visits Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Dietetics	Dietetics Not covered.	Dietetics Benefit: $36 - first visit $18 - subsequent visits $10 - group visits Per person annual limit: $252/year Limit per policy: No limit Waiting period: 2 months Category: Dietetics	Dietetics Benefit: $36 - first visit $18 - subsequent visits $10 - group visits Per person annual limit: $324/year Limit per policy: No limit Waiting period: 2 months Category: Dietetics	Dietetics Benefit: $40 - first visit $18 - subsequent visits $10 - group visits Per person annual limit: $324/year Limit per policy: No limit Waiting period: 2 months Category: Dietetics
Expand	Exercise physiology Not covered.	Exercise physiology Per person annual limit: $50/year Limit per policy: $100/year Waiting period: 2 months The limits detailed above are subject to a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings).	Exercise physiology Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings).	Exercise physiology Per person annual limit: $75/year Limit per policy: $150/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings).	Exercise physiology Per person annual limit: $100/year Limit per policy: $200/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings).	Exercise physiology Per person annual limit: $125/year Limit per policy: $250/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings).
Expand	Quit smoking programs Not covered.	Quit smoking programs Per person annual limit: $50/year Limit per policy: $100/year Waiting period: 2 months The limits detailed above are subject to a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: Benefits are payable on the Cancer Council's Quit Smoking Plan or Allen Carr’s Easy Way to Stop Smoking program.	Quit smoking programs Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: Benefits are payable on the Cancer Council's Quit Smoking Plan or Allen Carr’s Easy Way to Stop Smoking program.	Quit smoking programs Per person annual limit: $75/year Limit per policy: $150/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: Benefits are payable on the Cancer Council's Quit Smoking Plan or Allen Carr’s Easy Way to Stop Smoking program.	Quit smoking programs Per person annual limit: $100/year Limit per policy: $200/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: Benefits are payable on the Cancer Council's Quit Smoking Plan or Allen Carr’s Easy Way to Stop Smoking program.	Quit smoking programs Per person annual limit: $125/year Limit per policy: $250/year Waiting period: 2 months Category: Healthy Lifestyle Benefits (combined benefit for Gym Memberships, Weight Loss Programs, Exercise Physiology, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings). Please note: Benefits are payable on the Cancer Council's Quit Smoking Plan or Allen Carr’s Easy Way to Stop Smoking program.
Pharmaceuticals
Expand	Non-PBS Drugs Not covered.	Non-PBS Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure that people have affordable and reliable access to a wide range of necessary medicines when they need it. For non-PBS items, benefits are payable on prescription items provided that (1) they’re classed as either Schedule 4 (S4), Schedule 7 (S7), Schedule 8 (S8) or a Medical prescription (RX); and (2) the fee exceeds the current PBS threshold amount of $41.00. HIF Members can claim a benefit of up to $80 per script until their annual limit is reached. Benefit: Once the PBS amount of $41.00 has been paid, HIF will cover 100% of the balance up to $80 per script item. Please note if claiming retrospectively (up to two years from the date of purchase) the previous PBS amount of $40.30 for 2019, or $39.50 for 2018 will apply. Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Pharmacy Please note: Benefits cannot be paid on contraceptives or NHS (PBS) prescriptions or over the counter items purchased with or without a prescription.	Non-PBS Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure Australian residents have affordable and reliable access to a wide range of necessary medicines at an affordable price. For non-PBS items, HIF members can claim a benefit of 60% of the balance after the current PBS threshold amount of $41 has been paid, HIF will cover 60% of the balance. Benefit: Once the PBS amount of $41 has been paid, HIF will cover 60% of the balance. Per person annual limit: $350/year Limit per policy: $700/year Waiting period: 2 months Category: Pharmacy Please note: Benefits cannot be paid on contraceptives or NHS (PBS) prescriptions or over the counter items purchased with or without a prescription.	Non-PBS Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure that people have affordable and reliable access to a wide range of necessary medicines when they need it. For non-PBS items, benefits are payable on prescription items provided that (1) they’re classed as either Schedule 4 (S4), Schedule 7 (S7), Schedule 8 (S8) or a Medical prescription (RX); and (2) the fee exceeds the current PBS threshold amount of $41.00. HIF Members can claim a benefit of up to $80 per script until their annual limit is reached. Benefit: Once the PBS amount of $41.00 has been paid, HIF will cover 100% of the balance up to $80 per script item. Please note if claiming retrospectively (up to two years from the date of purchase) the previous PBS amount of $40.30 for 2019, or $39.50 for 2018 will apply. Per person annual limit: $200/year Limit per policy: No limit Waiting period: 2 months Category: Pharmacy Please note: Benefits cannot be paid on contraceptives or NHS (PBS) prescriptions or over the counter items purchased with or without a prescription.	Non-PBS Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure that people have affordable and reliable access to a wide range of necessary medicines when they need it. For non-PBS items, benefits are payable on prescription items provided that (1) they’re classed as either Schedule 4 (S4), Schedule 7 (S7), Schedule 8 (S8) or a Medical prescription (RX); and (2) the fee exceeds the current PBS threshold amount of $41.00. HIF Members can claim a benefit of up to $80 per script until their annual limit is reached. Benefit: Once the PBS amount of $41.00 has been paid, HIF will cover 100% of the balance up to $80 per script item. Please note if claiming retrospectively (up to two years from the date of purchase) the previous PBS amount of $40.30 for 2019, or $39.50 for 2018 will apply. Per person annual limit: Up to 3 years: $200/year Over 3 years: $400/year Limit per policy: No limit Waiting period: 2 months Category: Pharmacy Please note: Benefits cannot be paid on contraceptives or NHS (PBS) prescriptions or over the counter items purchased with or without a prescription.	Non-PBS Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure that people have affordable and reliable access to a wide range of necessary medicines when they need it. For non-PBS items, benefits are payable on prescription items provided that (1) they’re classed as either Schedule 4 (S4), Schedule 7 (S7), Schedule 8 (S8) or a Medical prescription (RX); and (2) the fee exceeds the current PBS threshold amount of $41.00. HIF Members can claim a benefit of up to $80 per script until their annual limit is reached. Benefit: Once the PBS amount of $41.00 has been paid, HIF will cover 100% of the balance up to $80 per script item. Please note if claiming retrospectively (up to two years from the date of purchase) the previous PBS amount of $40.30 for 2019, or $39.50 for 2018 will apply. Per person annual limit: Up to 3 years: $200/year Over 3 years: $400/year Limit per policy: No limit Waiting period: 2 months Category: Pharmacy Please note: Benefits cannot be paid on contraceptives or NHS (PBS) prescriptions or over the counter items purchased with or without a prescription.
Expand	Assisted Reproductive Drugs Not covered.	Assisted Reproductive Drugs Not covered.	Assisted Reproductive Drugs Not covered.	Assisted Reproductive Drugs Not covered.	Assisted Reproductive Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure Australian residents have affordable and reliable access to a wide range of necessary medicines at an affordable price. For non-PBS items, HIF members can claim a benefit of up to $80 per script until their annual limit is reached, provided the fee exceeds the current PBS threshold amount of $41.00. Benefit: Once the PBS amount of $41.00 has been paid, HIF will cover 100% of balance up to $80 per script item. Per person annual limit: Up to 3 years: $200/year Over 3 years: $400/year Limit per policy: No limit Waiting period: 36 months Please note: The benefits listed here are included in the overall Pharmacy category benefit. Category: Pharmacy Please note: Benefits cannot be paid on PBS prescriptions or over the counter items purchased with or without a prescription.	Assisted Reproductive Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. It aims to ensure Australian residents have affordable and reliable access to a wide range of necessary medicines at an affordable price. For non-PBS items, HIF members can claim a benefit of up to $80 per script until their annual limit is reached, provided the fee exceeds the current PBS threshold amount of $41.00. Benefit: Once the PBS amount of $41.00 has been paid, HIF will cover 100% of balance up to $80 per script item. Per person annual limit: Up to 3 years: $200/year Over 3 years: $400/year Limit per policy: No limit Waiting period: 36 months Please note: The benefits listed here are included in the overall Pharmacy category benefit. Category: Pharmacy Please note: Benefits cannot be paid on PBS prescriptions or over the counter items purchased with or without a prescription.
Ambulance Transportation
Expand	Emergency 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. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance. Waiting period: 2 months Category: Emergency ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Emergency ambulance Benefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Emergency ambulance Benefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Emergency ambulance Benefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Emergency ambulance Benefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Emergency ambulance Benefit: 100% of the fee Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.
Expand	Non-emergency callouts Not covered.	Non-emergency callouts Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member) Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Non-emergency callouts Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member) Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Non-emergency callouts Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member) Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Non-emergency callouts Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member) Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.	Non-emergency callouts Benefit: HIF will cover the entire fee except for a $50 co-payment (to be paid by the member) Per person annual limit: No limit. Limit per policy: No limit. Waiting period: 2 months Category: Ambulance Please note: Inter-hospital transfers, off-road or air ambulance services are not included. For more information on ambulance arrangements in your home state or territory, visit our Ambulance page.
Feet
Expand	Podiatry consultations Not covered.	Podiatry consultations Benefit $32 - first visit $23 - subsequent visits $12 - consultations not performed in the podiatrist's registered practice Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Podiatry Please note: Benefits are paid on consultations carried out by a registered podiatrist, approved by HIF. Benefits are not payable on Orthotics within the Podiatry category. If you would like to claim for Orthotics, please choose Super or Premium options instead.	Podiatry consultations Benefit: 60% of provider fee Per person annual limit: $350/year Limit per policy: $700/year The limits detailed above are subject to a combined overall annual limit of $350 per person per policy and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. Waiting period: 2 months Category: Podiatry Please note: Benefits are paid on consultations carried out by a registered podiatrist, approved by HIF. Benefits are not payable on Orthotics within the Podiatry category. If you would like to claim for Orthotics, please choose Super or Premium options instead.	Podiatry consultations Benefit $32 - first visit $23 - subsequent visits $12 - consultations not performed in the podiatrist's registered practice 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 a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Podiatry Please note: Benefits are paid on consultations carried out by a registered podiatrist, approved by HIF. Benefits are not payable on Orthotics within the Podiatry category. If you would like to claim for Orthotics, please choose Super or Premium options instead.	Podiatry consultations Benefit $32 - first visit $23 - subsequent visits $12 - consultations not performed in the podiatrist's registered practice Per person annual limit: $354/year (includes podiatry surgery performed in the podiatrist’s registered rooms only). Limit per policy: No limit Waiting period: 2 months Category: Podiatry Please note: Benefits are paid on consultations carried out by a registered podiatrist, approved by HIF. Benefits are not payable on Orthotics within the Podiatry category (see below for Orthotic benefits).	Podiatry consultations Benefit $32 - first visit $25 - subsequent visits $12 - consultations not performed in the podiatrist's registered practice Per person annual limit: $382/year (includes podiatry surgery performed in the podiatrist’s registered rooms only). Limit per policy: No limit Waiting period: 2 months Category: Podiatry Please note: Benefits are paid on consultations carried out by a registered podiatrist, approved by HIF. Benefits are not payable on Orthotics within the Podiatry category (see below for Orthotic benefits).
Expand	Orthotics Not covered.	Orthotics Not covered.	Orthotics Not covered.	Orthotics Not covered.	Orthotics Benefit: 75% of the cost up to a max of $200 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 Category: Orthotics Please note: The orthotic limit includes associated services such as muscle testing, ROM testing and gait analysis. Benefits are not available for orthotics which are not specifically modified and fitted for the individual member’s condition.	Orthotics Benefit: 75% of the cost up to a max of $240 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 Category: Orthotics Please note: The orthotic limit includes associated services such as muscle testing, ROM testing and gait analysis. Benefits are not available for orthotics which are not specifically modified and fitted for the individual member’s condition.
Natural therapies
Expand	Acupuncture Not covered.	Acupuncture Benefit $15 - visits 1-6 $10 - visits 7+ Per person annual limit: Up to 3 years: $50/year Over 3 years: $100/year Limit per policy: $200/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Acupuncture Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations).	Acupuncture Benefit $16 - visits 1-6 $11 - visits 7+ 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 overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Acupuncture Benefit $20 - visits 1-6 $13 - visits 7+ Per person annual limit: Up to 3 years: $250/year Over 3 years: $350/year Limit per policy: $700/year Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Acupuncture Benefit $25 - visits 1-6 $17 - visits 7+ Per person annual limit: Up to 3 years: $500/year Over 3 years: $600/year Limit per policy: No limit Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
Expand	Traditional Chinese medicine Not covered.	Traditional Chinese medicine Benefit $15 - visits 1-6 $10 - visits 7+ Per person annual limit: Up to 3 years: $50/year Over 3 years: $100/year Limit per policy: $200/year The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Traditional Chinese medicine Benefit: 60% of provider fee Per person annual limit: $150/year Limit per policy: $300/year Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Traditional Chinese medicine Benefit $16 - visits 1-6 $11 - visits 7+ 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 overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations. Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Traditional Chinese medicine Benefit $20 - visits 1-6 $13 - visits 7+ Per person annual limit: Up to 3 years: $250/year Over 3 years: $350/year Limit per policy: $700/year Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).	Traditional Chinese medicine Benefit $25 - visits 1-6 $17 - visits 7+ Per person annual limit: Up to 3 years: $500/year Over 3 years: $600/year Limit per policy: No limit Waiting period: 2 months Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
Clinical therapies
Expand	Speech therapy Not covered.	Speech therapy Not covered.	Speech therapy Not covered.	Speech therapy Not covered.	Speech therapy Benefit: $75 - initial visit $45 - subsequent visits 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 Category: Speech therapy	Speech therapy Benefit: $75 - initial visit $45 - subsequent visits Per person annual limit: Up to 5 years: $1,200/year Over 5 years: $1,500/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 Category: Speech therapy
Expand	Occupational therapy Not covered.	Occupational therapy Not covered.	Occupational therapy Not covered.	Occupational therapy Not covered.	Occupational therapy Benefit: $45 - first visit $25 - subsequent visits $10 - group visits 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 Category: Occupational therapy	Occupational therapy Benefit: $60 - first visit $27 - subsequent visits $10 - group visits Per person annual limit: Up to 5 years: $1,200/year Over 5 years: $1,500/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 Category: Occupational therapy
Expand	Psychology Not covered.	Psychology Not covered.	Psychology Not covered.	Psychology Not covered.	Psychology Benefit: $75 - first visit $55 - subsequent visits $25 - group (per person) to a maximum of $75 per session Per person annual limit: $740/year Limit per policy: No limit Waiting period: 12 months Category: Psychology Please note: A maximum of 2 sessions will be covered on the same date, provided there is a minimum of 2 hours between sessions.	Psychology Benefit: $100 - first visit $55 - subsequent visits $30 - group (per person) to a maximum of $75 per session Per person annual limit: $1,000/year Limit per policy: No limit Waiting period: 12 months Category: Psychology Please note: A maximum of 2 sessions will be covered on the same date, provided there is a minimum of 2 hours between sessions.
Appliances and Instruments
Expand	Hearing Aids Not covered.	Hearing Aids Not covered.	Hearing Aids Not covered.	Hearing Aids Not covered.	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 Category: Hearing aids Please note: Benefits are paid on replacement hearing aids after 5 years from date of supply.	Hearing Aids Per person annual limit: 1-5 years: $550 (maximum 1 per person) 5-10 years: $600 per ear 10+ years: $700 per ear Limit per policy: No limit Waiting period: 36 months Category: Hearing aids Please note: Benefits are paid on replacement hearing aids after 5 years from date of supply.
Expand	Asthmatic spacers Not covered.	Asthmatic spacers Not covered.	Asthmatic spacers Not covered.	Asthmatic spacers Not covered.	Asthmatic spacers Benefit: $18 Per person annual limit: 2 per year Limit per policy: No limit Waiting period: 2 months Category: Asthmatic spacers Please note: A benefit will not be paid on hired appliances and instruments.	Asthmatic spacers Benefit: $18 Per person annual limit: 2 per year Limit per policy: No limit Waiting period: 2 months Category: Asthmatic spacers Please note: A benefit will not be paid on hired appliances and instruments.
Expand	Peak Flow Meter Not covered.	Peak Flow Meter Not covered.	Peak Flow Meter Not covered.	Peak Flow Meter Not covered.	Peak Flow Meter Benefit: $30 Per person annual limit: 1 per year Limit per policy: No limit Waiting period: 2 months Category: Peak Flow Meter Please note: A benefit will not be paid on hired appliances and instruments.	Peak Flow Meter Benefit: $30 Per person annual limit: 1 per year Limit per policy: No limit Waiting period: 2 months Category: Peak Flow Meter Please note: A benefit will not be paid on hired appliances and instruments.
Expand	Blood pressure monitor Not covered.	Blood pressure monitor Not covered.	Blood pressure monitor Not covered.	Blood pressure monitor Not covered.	Blood pressure monitor Benefit: 75% of the cost up to a max of $200 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 Category: Blood Pressure Monitor (combined benefit with Blood Glucose Monitor) Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.	Blood pressure monitor Benefit: 75% of the cost up to a max of $200 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 Category: Blood Pressure Monitor (combined benefit with Blood Glucose Monitor) Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.
Expand	Blood glucose monitor Not covered.	Blood glucose monitor Not covered.	Blood glucose monitor Not covered.	Blood glucose monitor Not covered.	Blood glucose monitor Benefit: 75% of the cost up to a max of $200 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 Category: Blood Pressure Monitor (combined benefit with Blood Glucose Monitor) Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.	Blood glucose monitor Benefit: 75% of the cost up to a max of $200 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 Category: Blood Pressure Monitor (combined benefit with Blood Glucose Monitor) Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.
Expand	Humidifier Not covered.	Humidifier Not covered.	Humidifier Not covered.	Humidifier Not covered.	Humidifier Benefit: 75% of the cost up to a max of $140 Per person annual limit: 1 of either monitor every 3 years (humidifier or nebuliser) Limit per policy: No limit Waiting period: 12 months Category: Humidifier & Nebuliser Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.	Humidifier Benefit: 75% of the cost up to a max of $180 Per person annual limit: 1 of either monitor every 3 years (humidifier or nebuliser) Limit per policy: No limit Waiting period: 12 months Category: Humidifier & Nebuliser Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.
Expand	Nebuliser Not covered.	Nebuliser Not covered.	Nebuliser Not covered.	Nebuliser Not covered.	Nebuliser Benefit: 75% of the cost up to a max of $140 Per person annual limit: 1 of either monitor every 3 years (humidifier or nebuliser) Limit per policy: No limit Waiting period: 12 months Category: Humidifier & Nebuliser Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.	Nebuliser Benefit: 75% of the cost up to a max of $180 Per person annual limit: 1 of either monitor every 3 years (humidifier or nebuliser) Limit per policy: No limit Waiting period: 12 months Category: Humidifier & Nebuliser Please note: A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim.
Expand	Circulation booster Not covered.	Circulation booster Not covered.	Circulation booster Not covered.	Circulation booster Not covered.	Circulation booster A circulation booster is a drug-free medical device. It's designed to improve blood flow in the legs and feet by using electrical pulses to stimulate the muscles. Benefit: 75% of the cost up a max of $300 Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A $300 sub-limit applies within the overall $1,500 category benefit limit and you can choose to redeem that sub-limit on either a circulation booster or TENS machine. A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.	Circulation booster A circulation booster is a drug-free medical device. It's designed to improve blood flow in the legs and feet by using electrical pulses to stimulate the muscles. Benefit: 75% of the cost up a max of $300 Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A $300 sub-limit applies within the overall $1,500 category benefit limit and you can choose to redeem that sub-limit on either a circulation booster or TENS machine. A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.
Expand	TENS machine Not covered.	TENS machine Not covered.	TENS machine Not covered.	TENS machine Not covered.	TENS machine A Transcutaneous Electrical Nerve Stimulation (TENS) machine is predominately used to treat nerve related pain conditions by sending stimulating pulses across the surface of the skin and along the nerve strands. Benefit: 75% of the cost up a max of $300 Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A $300 sub-limit applies within the overall $1,500 category benefit limit and you can choose to redeem that sub-limit on either a circulation booster or TENS machine. A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers. Benefits are not payable on Cephaly machines.	TENS machine A Transcutaneous Electrical Nerve Stimulation (TENS) machine is predominately used to treat nerve related pain conditions by sending stimulating pulses across the surface of the skin and along the nerve strands. Benefit: 75% of the cost up a max of $300 Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A $300 sub-limit applies within the overall $1,500 category benefit limit and you can choose to redeem that sub-limit on either a circulation booster or TENS machine. A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers. Benefits are not payable on Cephaly machines.
Expand	CAM Walker Not covered.	CAM Walker Not covered.	CAM Walker Not covered.	CAM Walker Not covered.	CAM Walker A Controlled Ankle Motion (CAM) walker is an adjustable orthopedic apparatus that looks like a boot. Benefit: 75% of the cost up to a max of $300 Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A $300 sub-limit applies within the overall $1,500 category benefit limit and you can choose to redeem that sub-limit on either a circulation booster or TENS machine. A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.	CAM Walker A Controlled Ankle Motion (CAM) walker is an adjustable orthopedic apparatus that looks like a boot. Benefit: 75% of the cost up to a max of $300 Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A $300 sub-limit applies within the overall $1,500 category benefit limit and you can choose to redeem that sub-limit on either a circulation booster or TENS machine. A benefit will not be paid on hired appliances and instruments. A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.
Expand	CPAP Machine Not covered.	CPAP Machine Not covered.	CPAP Machine Not covered.	CPAP Machine Not covered.	CPAP Machine Continuous Positive Airway Pressure (CPAP) therapy uses a machine to help a person who has obstructive sleep apnoea breathe more easily during sleep Benefit: 3-5 years: $300 5+ years: $600 Per person limit: One monitor every 5 years from previous supply. Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Please note: Benefits for CPAP machines are deducted from the External Prosthesis sub-limit of $1,500. Waiting period: 36 months Category: External Prosthesis / Medical Appliances Please note: The device being claimed must follow admission to hospital for sleep apnoea and/or a letter recommendation from the treating practitioner must be provided in support of the claim. A benefit is only payable towards the CPAP machine itself (accessories like the mask and nose piece cannot be claimed from HIF).	CPAP Machine Continuous Positive Airway Pressure (CPAP) therapy uses a machine to help a person who has obstructive sleep apnoea breathe more easily during sleep Benefit: 3-5 years: $300 5+ years: $600 Per person limit: One monitor every 5 years from previous supply. Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Please note: Benefits for CPAP machines are deducted from the External Prosthesis sub-limit of $1,500. Waiting period: 36 months Category: External Prosthesis / Medical Appliances Please note: The device being claimed must follow admission to hospital for sleep apnoea and/or a letter recommendation from the treating practitioner must be provided in support of the claim. A benefit is only payable towards the CPAP machine itself (accessories like the mask and nose piece cannot be claimed from HIF).
External Prostheses
Expand	Artifical limbs Not covered.	Artifical limbs Not covered.	Artifical limbs Not covered.	Artifical limbs Not covered.	Artifical limbs Artificial limbs are a substitute for a missing part, such as an eye or limb used for functional or cosmetic reasons, or both. Benefit: 75% of the cost Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit or HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.	Artifical limbs Artificial limbs are a substitute for a missing part, such as an eye or limb used for functional or cosmetic reasons, or both. Benefit: 75% of the cost Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit or HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.
Expand	Wigs (resulting from an illness) Not covered.	Wigs (resulting from an illness) Not covered.	Wigs (resulting from an illness) Not covered.	Wigs (resulting from an illness) Not covered.	Wigs (resulting from an illness) Benefit: 75% of the cost up to $300 per wig (max. 2 per year) Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim, as benefits are only payable when hair loss results from an illness such as cancer, alopecia or lupus. Please contact us for more info on recognised providers.	Wigs (resulting from an illness) Benefit: 75% of the cost up to $300 per wig (max. 2 per year) Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim, as benefits are only payable when hair loss results from an illness such as cancer, alopecia or lupus. Please contact us for more info on recognised providers.
Expand	Mammary prostheses Not covered.	Mammary prostheses Not covered.	Mammary prostheses Not covered.	Mammary prostheses Not covered.	Mammary prostheses A Mammary prosthesis is an external silicone breast implant that can recreate the appearance of a breast shape under clothing and can also help to improve your balance and posture, which may be affected after a mastectomy. Benefit: 75% of the cost up to $300 per item (max. 2 per year) Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.	Mammary prostheses A Mammary prosthesis is an external silicone breast implant that can recreate the appearance of a breast shape under clothing and can also help to improve your balance and posture, which may be affected after a mastectomy. Benefit: 75% of the cost up to $300 per item (max. 2 per year) Per person annual limit: $1,500/year Limit per policy: No limit The limits detailed above are subject to a combined annual limit for HIF approved medical devices such as a TENS Machine, CPAP machine, Circulation Booster and Cam Walker, and approved prosthetics items such as artificial limbs, wigs and external mammary prostheses. Waiting period: 12 months Category: External Prosthesis / Medical Appliances Please note: A letter of recommendation from the patient's treating practitioner will be required when lodging a claim. Please contact us for more info on recognised providers.
Medical Advice & Assistance
Expand	HIF Second Opinion Not covered.	HIF Second Opinion Not covered.	HIF Second Opinion Not covered.	HIF Second Opinion Not covered.	HIF Second Opinion Not covered.	HIF Second Opinion HIF Second Opinion is a free service for members with Premium Options. It gives you access to the Best Doctors' network of the world's leading medical specialists, enabling you to get a free second opinion on any diagnosis, condition or treatment. You'll also get free access to Best Doctors' online medical advice portal, giving you the opportunity to submit questions to a panel of experienced Australian GPs, access expert insights and use their online symptom checker. Waiting period: N/A Category: HIF Second Opinion
Expand	Auxiliary Home Nursing Not covered.	Auxiliary Home Nursing Not covered.	Auxiliary Home Nursing Not covered.	Auxiliary Home Nursing Not covered.	Auxiliary Home Nursing Benefit: $75 Per person annual limit: $1,800/year Limit per policy: No limit Waiting period: 2 months for standard services 12 months for obstetric related care Category: Auxiliary Home Nursing Please note: A medical practitioner must order the service and a registered nurse must render the service. A benefit is payable when the member receives nursing treatment in excess of 30 minutes per day for a medical condition, and a maximum of 1 visit is payable per day. A benefit is not payable on domestic services.	Auxiliary Home Nursing Benefit: $120 Per person annual limit: $1,800/year Limit per policy: No limit Waiting period: 2 months for standard services 12 months for obstetric related care Category: Auxiliary Home Nursing Please note: A medical practitioner must order the service and a registered nurse must render the service. A benefit is payable when the member receives nursing treatment in excess of 30 minutes per day for a medical condition, and a maximum of 1 visit is payable per day. A benefit is not payable on domestic services.
Expand	Diabetes Education Not covered.	Diabetes Education Not covered.	Diabetes Education Not covered.	Diabetes Education Not covered.	Diabetes Education Benefit: $36 - first visit $18 - subsequent visits Per person annual limit: 6 visits per year Limit per policy: No limit Waiting period: 2 months Category: Diabetes Education Please note: Benefits are payable on consultations or information sessions held by the Diabetes Association in relation to diabetes.	Diabetes Education Benefit: $36 - first visit $18 - subsequent visits Per person annual limit: 6 visits per year Limit per policy: No limit Waiting period: 2 months Category: Diabetes Education Please note: Benefits are payable on consultations or information sessions held by the Diabetes Association in relation to diabetes.

* Please note: The daily pricing above is based on a single policy in Western Australia (WA) which has the highest hospital excess applied and is paid by direct debit on an annual basis after deducting a 25.059% Australian Government rebate on private health insurance and a 4% annual discount. This also excludes any Lifetime Health Cover (LHC) Loading that may apply. Depending on your current household income, the rebate you can claim may be reduced. This pricing is correct as of 1 October 2020. Prices may vary for other Australian states and territories.