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General Dental

General dental includes commonly used services such as consultations/oral examinations, scale and cleans, bleaching, x-rays, mouthguards, fillings and removal of permanent teeth

Included

Benefit: 
50% of each treatment or service up to your annual limit, per person.

Commonly claimed item numbers include:

Oral Examination (012)
Dental x-ray (022)
Scale and clean (114)
Fluoride treatment (121)
Surgical tooth extraction (322)
Filling/tooth restoration (531)

If you'd like to confirm the benefit payable, please complete our dental estimate form.

Annual Limit per person:
$400 per person

Annual Limit per policy:
$800 per policy

Waiting Periods:
2 months

1Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.

Included

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Oral Examination (012)2
Benefit: $52.75

Dental x-ray (022)
Benefit: $21.60

Scale and clean (114)2
Benefit: $107.15

Fluoride treatment (121)2
Benefit: $31.60

Surgical tooth extraction (322)
Benefit: $121.00

Filling/tooth restoration (531)
Benefit: $74.80

Up to your annual limit per person

Annual Limit per person:
$750

Annual Limit per policy:
No limit

Waiting Periods:
2 months

1Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.

2Subsequent visits for these item numbers are paid at a lower benefit

Included

Benefit: 
60% of each treatment or service up to your annual combined limit, per person.

If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Oral Examination (012)
Dental x-ray (022)
Scale and clean (114)
Fluoride treatment (121)
Surgical tooth extraction (322)
Filling/tooth restoration (531)

Up to your annual limit per person

Annual Limit per person:
$600

Annual Limit per policy:
$1,200

Waiting Periods:
2 months

1Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.

Included

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Oral Examination (012)2
Benefit: $52.75

Dental x-ray (022)
Benefit: $22.80

Scale and clean (114)2
Benefit: $107.15

Fluoride treatment (121)2
Benefit: $31.60

Surgical tooth extraction (322)
Benefit: $133.10

Filling/tooth restoration (531)
Benefit: $79.90

Up to your combined annual limit per person

Annual Limit per person:
$1,250

Annual Limit per policy:
No limit

Waiting Periods:
2 months

1Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.

2Subsequent visits for these item numbers are paid at a lower benefit

The annual combined limit includes General Dental, Major Dental and Orthodontics.

Included

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Oral Examination (012)2
Benefit: $52.75

Dental x-ray (022)
Benefit: $24.60

Scale and clean (114)2
Benefit: $107.15

Fluoride treatment (121)2
Benefit: $31.60

Surgical tooth extraction (322)
Benefit: $145.20

Filling/tooth restoration (531)
Benefit: $87.20

Up to your annual limit per person

Annual Limit per person:
$1,000

Annual Limit per policy:
No limit

Waiting Periods:
2 months

1Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.

2Subsequent visits for these item numbers are paid at a lower benefit

Included

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Oral Examination (012)2
Benefit: $52.75

Dental x-ray (022)
Benefit: $27.30

Scale and clean (114)2
Benefit: $107.15

Fluoride treatment (121)2
Benefit: $31.60

Surgical tooth extraction (322)
Benefit: $157.30

Filling/tooth restoration (531)
Benefit: $92.55

Up to your annual limit, per person.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
2 months

1Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.

2Subsequent visits for these item numbers are paid at a lower benefit

Major Dental

Major dental includes complex services such as crowns and bridges, root canals, dentures and most periodontic servcies.

Not Included

Not covered

Not Included

Not covered

Included

Dental Category:
Major Dental

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Filling of one root canal (417)
Full crown - non metallic (613)
Full crown - veneered (615)
Dentures - complete (719)2

Up to your annual limit per person

Annual Limit per person:
$600

Annual Limit per policy:
$1200

Waiting Periods:
12 months

2Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.

Included

Dental Category:
Major Dental

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Filling of one root canal (417)
Benefit: $123.00

Full crown - non metallic (613)
Benefit: $722.70

Full crown - veneered (615)
Benefit: $685.95

Dentures - complete (719)3
Benefit: $955.65

Up to your combined annual limit per person

Annual Limit per person:
$1,250

Annual Limit per policy:
N/A

Waiting Periods:
12 months

3Benefits for replacement dentures and partial dentures are not paid within three years of previous supply. The annual combined limit includes General Dental, Major Dental and Orthodontics.

Included

Dental Category:
Major Dental

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Filling of one root canal (417)
Benefit: $135.30

Full crown - non metallic (613)
Benefit: $795.00

Full crown - veneered (615)
Benefit: $754.55

Dentures3 - complete (719)
Benefit: $1,116.95

Up to your annual limit per person

Annual Limit per person:
$1,000

Annual Limit per policy:
No limit

Waiting Periods:
12 months

3Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.

Included

Dental Category:
Major Dental

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Commonly claimed item numbers include:

Filling of one root canal (417)
Benefit: $147.60

Full crown - non metallic (613)
Benefit: $867.25

Full crown - veneered (615)
Benefit: $852.20

Dentures3 - complete (719)
Benefit: $1,218.50

Up to your annual limit, per person.

Annual Limit per person:
$1,500

Annual Limit per policy:
No limit

Waiting Periods:
12 months

3Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.

Orthodontics

Orthodontics include the diagnosis, prevention and correction of jaw alignment issues. Common types of orthodontic servcies include braces, clear and removable aligners (e.g. Invisalign) and retainers.

Not Included

Not covered

Not Included

Not covered

Not Included

Not covered

Included

Dental Category:
Orthodontic

Benefit: 
If you'd like to confirm the benefit payable, please complete our dental estimate form.

Up to your combined annual limit per person

Annual Limit per person:
$1,250

Annual Limit per policy:
N/A

Waiting Periods:
12 months

The annual combined limit includes General Dental, Major Dental and Orthodontics.

The Orthodintic Lifetime Limit is $1,250

Included

Dental Category:
Orthodontic

Benefit: 
Up to $800

If you'd like to confirm the benefit payable, please complete our dental estimate form.

Annual Limit per person:
$800

Annual Limit per policy:
No limit

Waiting Periods:
12 months

The Lifetime limit for Orthodontic is $2000

Included

Dental Category:
Orthodontic

Benefit: 
Up to $1000

If you'd like to confirm the benefit payable, please complete our dental estimate form.

Annual Limit per person:
$1,000

Annual Limit per policy:
No limit

Waiting Periods:
12 months

The Lifetime limit for Orthodontic is $2,500

Optical

Optical includes services such as glasses, contact lenses and prescription sunglasses. Even better, HIF members get bonus discounts of up to 25% from a range of high street and online optical stores - Find out more

Included

Benefit2
100% for each frame, prescription lense and/or contact lense

Up to your annual limit, per person.

Annual Limit per person:
$150 per person

Annual Limit per policy:
$300 per policy

Waiting Periods:
2 months

2Benefits are payable on prescription optical items

Included

Benefit3
100% for each frame, prescription lense and/or contact lense

Up to your annual limit, per person.

Annual Limit per person:
$150

Annual Limit per policy:
No limit

Waiting Periods:
2 months

3Benefits are payable on prescription optical items

Included

Benefit3
100% for each frame, prescription lense and/or contact lense

Up to your annual limit, per person.

Annual Limit per person:
$200

Annual Limit per policy:
$400

Waiting Periods:
2 months

3Benefits are payable on prescription optical items

Included

Benefit4
100% for each frame, prescription lense and/or contact lense

Up to your annual limit, per person.

Annual Limit per person:
$200

Annual Limit per policy:
No limit

Waiting Periods:
2 months

4Benefits are payable on prescription optical items

Included

Benefit4
100% for each frame, prescription lense and/or contact lense

Up to your annual limit, per person.

Annual Limit per person:
$275

Annual Limit per policy:
No limit

Waiting Periods:
2 months

4Benefits are payable on prescription optical items

Included

Benefit4
100% for each frame, prescription lense and/or contact lense

Up to your annual limit, per person.

Annual Limit per person:
$300

Annual Limit per policy:
No limit

Waiting Periods:
2 months

4Benefits are payable on prescription optical items

Physiotherapy

Physiotherapy consultations include the treatment of health conditions including sports injuries and musculoskeletal conditions.

Included

Benefit:
50% of each treatment or service

Up to your annual combined limit, per person.

Annual Limit per person: 
$300 per person

Annual Limit per policy:
$600 per policy

Waiting period:
2 months

The annual combined limit includes physiotherapy, chiropractic and osteopathy.

Included

Benefit:
Individual consulatation: ($30)

Up to your combined annual limit per person

Group, hydrotherapy or antenatal: ($15)

Up to your combined annual limit per person

Annual Limit per person: 
$350

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit:
60% of each consultation

Up to your annual combined limit, per person.

Annual Limit per person: 
$350

Annual Limit per policy:
$700

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).

Included

Benefit:
Individual consulatation: ($35)

Up to your combined annual limit per person

Group, hydrotherapy or antenatal: ($15)

Up to your combined annual limit per person

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Included

Benefit:
Individual consulatation: ($45)

Up to your combined annual limit per person

Group, hydrotherapy or antenatal: ($20)

Up to your combined annual limit per person

Annual Limit per person: 
$500

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes physiotherapy and exercise physiology.

Included

Benefit:
Individual consulatation: ($50)

Up to your combined annual limit per person

Group, hydrotherapy or antenatal: ($20)

Up to your combined annual limit per person

Annual Limit per person: 
$750

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes physiotherapy and exercise physiology.

Chiropractic

Chiropractic consultations includes services which use spinal adjustments to treat health problems that are related to nerves, skeletons and muscles.

Included

Benefit:
50% of each treatment or service

Up to your annual combined limit, per person.

Annual Limit per person: 
$300 per person

Annual Limit per policy:
$600 per policy

Waiting period:
2 months

The annual combined limit includes physiotherapy, chiropractic and osteopathy.

Included

Benefit:
Individual consultation: ($25)

Up to your combined annual limit per person

X-ray: ($65) - Max 1 per year

Annual Limit per person: 
$350

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit:
60% of each consultation

Up to your annual combined limit, per person.

Annual Limit per person: 
$350

Annual Limit per policy:
$700

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).

Included

Benefit:
Individual consultation: ($28)

Up to your combined annual limit per person

X-ray: ($70) - Max 1 per year

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Included

Benefit:
Individual consultation: ($32)

Up to your combined annual limit per person

X-ray: ($85) - Max 1 per year

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes chiropractic and osteopathy.

Included

Benefit:
Individual consultation: ($40)

Up to your combined annual limit per person

X-ray: ($110) - Max 1 per year

Annual Limit per person: 
$550

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes chiropractic and osteopathy.

Osteopathy

Osteopathy is a holistic approach to health that stresses manual readjustments and physical manipulation of muscle tissue and bones. Osteopathy treatment may include individual exercise routines, relaxation techniques, or body awareness sessions.

Included

Benefit:
50% of each treatment or service

Up to your annual combined limit, per person.

Annual Limit per person: 
$300 per person

Annual Limit per policy:
$600 per policy

Waiting period:
2 months

The annual combined limit includes physiotherapy, chiropractic and osteopathy.

Included

Benefit:
Individual consultation: ($25)

Up to your combined annual limit per person

Annual Limit per person: 
$350

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit:
60% of each consultation

Up to your annual combined limit, per person.

Annual Limit per person: 
$350

Annual Limit per policy:
$700

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).

Included

Benefit:
Individual consultation: ($28)

Up to your combined annual limit per person

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Included

Benefit:
Individual consultation: ($32)

Up to your combined annual limit per person

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes chiropractic and osteopathy

Included

Benefit:
Individual consultation: ($40)

Up to your combined annual limit per person

Annual Limit per person: 
$550

Annual Limit per policy:
No limit

Waiting period:
2 months

The annual combined limit includes chiropractic and osteopathy

Podiatry consultations

Podiatry consultations include the diagnosis, and medical treatment of ailments of the foot, ankle and lower limbs.

Not Included

Not covered.

Included

Benefit: 
Individual consultation: ($25)

Up to your combined annual limit per person

Annual Limit per person:
$350

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit: 
60% of each consultation

Up to your annual combined limit, per person.

Annual Limit per person:
$350

Annual Limit per policy:
$700

Waiting Periods:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).

Included

Benefit: 
Individual consultation: ($28)

Up to your combined annual limit per person

Annual Limit per person:
$400

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Included

Benefit: 
Individual consultation: ($32)

Up to your combined annual limit per person

Annual Limit per person:
$350

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual limit for podiatry consultations includes podiatry surgery (performed in podiatrist’s registered rooms only)

Included

Benefit: 
Individual consultation: ($40)

Up to your combined annual limit per person

Annual Limit per person:
$400

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual limit for podiatry consultations includes podiatry surgery (performed in podiatrist’s registered rooms only)

Pharmaceuticals (non-PBS) Drugs

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. The Non-PBS includes prescription pharmaceuticals which are not listed on the Australian government’s Pharmaceutical Benefits Schemes (PBS).

Not Included

Not covered.

Included

Benefit: 
100% of the balance up to $80 per script item, once the PBS amount has been paid.

Annual Limit per person:
$350

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy..

Included

Benefit: 
60% of the balance, once the PBS amount has been paid

Annual Limit per person:
$350

Annual Limit per policy:
$700

Waiting Periods:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).

Included

Benefit: 
100% of the balance up to $80 per script item, once the PBS amount has been paid.

Annual Limit per person:
$200

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes pharmacy and flu vaccinations.

Included

Benefit: 
100% of the balance up to $80 per script item, once the PBS amount has been paid.

Up to your combined annual limit per person

Annual Limit per person:
$300

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes pharmacy, assisted reproductive drugs and flu vaccinations.

Included

Benefit: 
100% of the balance up to $80 per script item, once the PBS amount has been paid.

Up to your combined annual limit per person

Annual Limit per person:
$400

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes pharmacy and flu vaccinations.

Assisted Reproductive Drugs

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
100% of the balance up to $80 per script item, once the PBS amount has been paid.

Up to your combined annual limit per person

Annual Limit per person:
$300

Annual Limit per policy:
No limit

Waiting Periods:
12 months

The annual combined limit includes pharmacy, assisted reproductive drugs and flu vaccinations.

Included

Benefit: 
100% of the balance up to $80 per script item, once the PBS amount has been paid.

Up to your combined annual limit per person

Annual Limit per person:
$400

Annual Limit per policy:
No limit

Waiting Periods:
12 months

The annual combined limit includes pharmacy and flu vaccinations.

Orthotics

Orthotics refers to a support, brace, or splint used to support, align, prevent, or correct the function of movable parts of the body.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
75% of the treatment, service or item up to your combined annual limit, per person.

Maximum 1 replacement every year from previous date of supply

Annual Limit per person:
$200

Annual Limit per policy:
No limit

Waiting Periods:
12 months

5Benefits are paid on items carried out by a registered podiatrist or orthotic supplier, approved by HIF. Benefits are not available for orthotics which are not specifically modified and fitted for the individual Member’s condition.

Included

Benefit: 
75% of the treatment, service or item up to your combined annual limit, per person.

Maximum 1 replacement every year from previous date of supply

Annual Limit per person:
$250

Annual Limit per policy:
No limit

Waiting Periods:
12 months

5Benefits are paid on items carried out by a registered podiatrist or orthotic supplier, approved by HIF. Benefits are not available for orthotics which are not specifically modified and fitted for the individual Member’s condition.

Complimentary therapies

Complimentary therapies includes commonly used services such as acupuncture, traditional chinese medicine, remedial massage and myotherapy.

Not Included

Not covered.

Included

Benefit: 
Individual consultation: ($25)

Up to your combined annual limit per person

Annual Limit per person:
$100

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes acupuncture, myotherapy, remedial massage and traditional chinese medicine.

Included

Benefit: 
60% of each consultation

Up to your annual combined limit, per person.

Annual Limit per person:
$150

Annual Limit per policy:
$300

Waiting Periods:
2 months

The limits detailed above are subject to a combined overall person limit of $350 and policy limit of $700 for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle.

Included

Benefit: 
Individual consultation: ($28)

Up to your combined annual limit per person

Annual Limit per person:
$150

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes acupuncture, myotherapy, remedial massage and traditional chinese medicine.

Included

Benefit: 
Individual consultation: ($32)

Up to your combined annual limit per person

Annual Limit per person:
$250

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes acupuncture, myotherapy, remedial massage and traditional chinese medicine.

Included

Benefit: 
Individual consultation: ($40)

Up to your combined annual limit per person

Annual Limit per person:
$500

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes acupuncture, myotherapy, remedial massage and traditional chinese medicine.

Dietetics

Dietetics includes consultations with a dietitician or nutritionist who provide guidance on how to manage diets for people who may be affected by health conditions such as diabetes, overweight and obesity, cancer, heart disease, renal disease, gastro-intestinal diseases and food allergies.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
Individual consultation: ($30)

Up to your combined annual limit per person

Annual Limit per person:
$400

Annual Limit per policy:
N/A

Waiting Periods:
N/A

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Included

Benefit: 
$40 per consultation, up to your annual limit, per person.

Up to your annual limit per person

Annual Limit per person:
$350

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Included

Benefit: 
$45 per consultation

Up to your annual limit, per person.

Annual Limit per person:
$400

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Healthy Lifestyle

Healthy Lifestyle includes services such as Gym Memberships, Weight Loss Programs, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings

Not Included

Not covered.

Included

Benefit: 
100% of the fee for each individual treatment or service

Up to your annual limit, per person.

Annual Limit per person:
$50

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes gym memberships, exercise physiology, health assessments, weight management programs, quick smoking plans and skin cancer screenings.

Included

Benefit: 
60% of the fee for each individual treatment or service

Up to your annual limit.

Annual Limit per person:
$150

Annual Limit per policy:
$300

Waiting Periods:
2 months

The limits detailed above are subject to a combined overall person limit of $350 and policy limit of $700 for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle.

Included

Benefit: 
100% of the fee for each individual treatment or service

Up to your annual limit, per person.

Annual Limit per person:
$75

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes gym memberships, exercise physiology, health assessments, weight management programs, quick smoking plans and skin cancer screenings.

Included

Benefit: 
100% of the fee for each individual treatment or service

Up to your annual limit, per person.

Annual Limit per person:
$100

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual limit includes gym memberships, exercise physiology, health assessments, weight management programs, quit smoking plans and skin cancer screenings.

Included

Benefit: 
100% of the fee for each individual treatment or service

Up to your annual limit, per person.

Annual Limit per person:
$150

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual limit includes gym memberships, exercise physiology, health assessments, weight management programs, quit smoking plans and skin cancer screenings

Occupational therapy

Occupational therapy consultations help people with developmental, physical and psycological conditions.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
$40 per consultation

Up to your combined annual limit, per person

Annual Limit per person:
$500

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes occupational therapy, Orthoptics (eye therapy) and speech therapy.

Included

Benefit: 
$45 per consultation

Up to your combined annual limit, per person.

Annual Limit per person:
$600

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes occupational therapy, Orthoptics (eye therapy) and speech therapy.

Orthoptics (eye therapy)

Orthoptics is the study or treatment of irregularities of the eyes, especially those of the eye muscles that prevent normal binocular vision.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
$40 per consultation

Up to your combined annual limit, per person.

Annual Limit per person:
$500

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes occupational therapy, Orthoptics (eye therapy) and speech therapy.

Included

Benefit: 
$45 per consultation

Up to your combined annual limit, per person.

Annual Limit per person:
$600

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes occupational therapy, Orthoptics (eye therapy) and speech therapy.

Speech therapy

Speech therapy is the study, diagnosis and treatment for communication disorders, including difficulties with speaking, listening, understanding language, and reading, and writing, social skills, stuttering and using voice.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
$60 per consultation

Up to your combined annual limit, per person

Annual Limit per person:
$500

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes occupational therapy, Orthoptics (eye therapy) and speech therapy.

Included

Benefit: 
$65 per consultation

Up to your combined annual limit, per person.

Annual Limit per person:
$600

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes occupational therapy, Orthoptics (eye therapy) and speech therapy.

Psychology

Psychology is the science of behaviour and mind, embracing all aspects of conscious and unconscious experience as well as thought. Clinical physcologists diagnose and treat mental health, behavioural and emotional disorders such an anxiety, depression and chronic illness.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
$80 per consultation

Up to your annual limit, per person.

Annual Limit per person:
$700

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Included

Benefit: 
$90 per consultation

Up to your annual limit, per person.

Annual Limit per person:
$700

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Hearing Aids

Hearing aids are a device to amplify and change sound to assist with hearing impairments.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
100% of the treatment, service or item up to your annual limit, per person.

Replacement every 3 years from previous date of supply

Annual Limit per person:
$550

Annual Limit per policy:
No limit

Waiting Periods:
12 months

Included

Benefit: 
100% of the treatment, service or item

Up to your annual limit, per person.

Replacement every 3 years from previous date of supply

Annual Limit per person:
$1,000

Annual Limit per policy:
No limit

Waiting Periods:
12 months

Emergency ambulance

Emergency ambulance refers to the cost of emergency ambulance transport and emergency treatment by paramedics.

Included

Benefit3
100% for one emergency ambulance service per year per person

Annual Limit per person:
1 per person

Annual Limit per policy:
1 per person

Waiting Periods:
1 day

3Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit4
100% of the fee for each emergency ambulance service

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
1 day

4Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit4
100% of the fee for each emergency ambulance service.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
1 day

4Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit5
100% of the fee for each emergency ambulance service.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
1 day

5Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit6
100% of the fee for each emergency ambulance service.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
1 day

6Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit6
100% of the fee for each emergency ambulance service.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
1 day

6Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Non-emergency ambulance

Non-emergency ambulance refers to the cost of non-urgent emergency ambulance transport and emergency treatment by paramedics.

Not Included

Not covered.

Included

Benefit4
100% of the fee for each emergency ambulance service.

A $50 co-payment (to be paid by the member) will apply.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
30 days

4Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit4
100% of the fee for each emergency ambulance service.

A $50 co-payment (to be paid by the member) will apply.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
30 days

4Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit5
100% of the fee for each emergency ambulance service.

A $50 co-payment (to be paid by the member) will apply.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
30 days

5Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit6
100% of the fee for each emergency ambulance service.

A $50 co-payment (to be paid by the member) will apply.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
30 days

6Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Included

Benefit6
100% of the fee for each emergency ambulance service.

A $50 co-payment (to be paid by the member) will apply.

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

Waiting Periods:
30 days

6Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat).

Exercise physiology

Exercise physiologists specialise in clinical exercise interventions for people with a broad range of health issues. The aims of exercise physiology interventions are to prevent or manage acute, sub- acute or chronic disease or injury, and assist in restoring one’s optimal physical function, health or wellness.

Not Included

Not covered.

Included

Benefit: 
Individual consultation: ($20)

Up to your combined annual limit per person

Annual Limit per person:
$350

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit: 
60% of each consultation

Up to your annual combined limit, per person.

Annual Limit per person:
$350

Annual Limit per policy:
$700

Waiting Periods:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle.

Included

Benefit: 
Individual consultation: ($25)

Up to your combined annual limit per person

Annual Limit per person:
$400

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, dietetics and pharmacy.

Included

Benefit: 
Individual consultation: ($30)

Up to your combined annual limit per person

Annual Limit per person:
$500

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes physiotherapy and exercise physiology.

Included

Benefit: 
Individual consultation: ($35)

Up to your combined annual limit per person

Annual Limit per person:
$750

Annual Limit per policy:
No limit

Waiting Periods:
2 months

The annual combined limit includes physiotherapy and exercise physiology.

Medical Aids, Appliances and External Prothesis

Aids, Appliances and External Prothesis include items such as circulation boosters, TENS machines, CAM Walker, Artifical lims, Wigs and Mammary Protheses

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit7
75% of the treatment, service or item

Up to your annual limit, per person.

Annual Limit per person:
$500

Annual Limit per policy:
No limit

Waiting Periods:
12 months

This includes the purchase of appliance or prothestics only.

7Benefits are paid on HIF approved prosthetics items such as artificial limbs, wigs and external mammary prostheses and approved medical devices such as a TENS machine, CPAP Machine, Circulation Booster and CAM Walker. Sub-limits apply depending on the item, and other conditions apply. Please contact us for details prior to purchasing.

Included

Benefit7
75% of the treatment, service or item

Up to your annual limit, per person.

Annual Limit per person:
$800

Annual Limit per policy:
No limit

Waiting Periods:
12 months

This includes the purchase of appliance or prothestics only.

7Benefits are paid on HIF approved prosthetics items such as artificial limbs, wigs and external mammary prostheses and approved medical devices such as a TENS machine, CPAP Machine, Circulation Booster and CAM Walker. Sub-limits apply depending on the item, and other conditions apply. Please contact us for details prior to purchasing.

Breathing appliances

Breathing appliances include services such as Asthmatic spacers, Peak Flow Meter, Humidifer and Nebulisers.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
75% of the treatment, service or item

Up to your annual limit, per person.

Annual Limit per person:
$200

Annual Limit per policy:
No limit

Waiting Periods:
12 months

Included

Benefit: 
75% of the treatment, service or item

Up to your annual limit, per person.

Annual Limit per person:
$200

Annual Limit per policy:
No limit

Waiting Periods:
12 months

Blood glucose monitor and blood pressure monitor

A blood glucose monitors is a device to measure the concentration of glucose in the blood. A blood pressure monitor is a device used to measure blood pressure.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
75% of the treatment, service or item

Up to your annual limit, per person.

1 device every 3 years.

Annual Limit per person:
$200

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Purchase per monitor only.

Included

Benefit: 
75% of the treatment, service or item

Up to your annual limit, per person.

1 device every 3 years.

Annual Limit per person:
$200

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Purchase per monitor only.

Diabetes Education

Diabetes Educators teach, coach and guide patients so they understand their diabetes and how it affects their personal lives, and work with them to set (and meet) behaviour change goals to improve their health.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
$25 per consultation

Up to your annual limit, per person.

Annual Limit per person:
$150

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Included

Benefit: 
$30 per consultation

Up to your combined annual limit, per person.

Annual Limit per person:
$180

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Auxillary Home Nursing

Auxillary Home Nursing includes servcies for people that require a registered nurse to assess, initate and oversea nursing interventions in a home setting where appropriate.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Benefit: 
$75 per visit

Up to your annual limit, per person.

Annual Limit per person:
$450

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Included

Benefit: 
$100 per visit up to your annual limit, per person.

Annual Limit per person:
$500

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Flu Vaccinations

Flu vaccinations include a benefit towards your annual flu vacination.

Not Included

Not covered.

Included

Benefit: 
$20 (1 per person, per calendar year)

Annual Limit per person:
$350

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Please note: Benefits are only payable from a registered pharmacy

Flu vaccinations are subject to a combined annual limit for Pharmacy.

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit: 
$20 (1 per person, per calendar year)

Annual Limit per person:
$350

Annual Limit per policy:
$700

Waiting Periods:
2 months

Please note: Benefits are only payable from a registered pharmacy

The annual combined limit includes physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complimentary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).

Included

Benefit: 
$20 (1 per person, per calendar year)

Annual Limit per person:
$200

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Please note: Benefits are only payable from a registered pharmacy

Flu vaccinations are subject to a combined annual limit for Pharmacy.

The annual combined limit includes pharmacy and flu vaccinations.

Included

Benefit: 
$20 (1 per person, per calendar year)

Up to your combined annual limit per person

Annual Limit per person:
$300

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Please note: Benefits are only payable from a registered pharmacy

The annual combined limit includes pharmacy, assisted reproductive drugs and flu vaccinations.

Included

Benefit: 
$20 (1 per person, per calendar year)

Up to your combined annual limit per person

Annual Limit per person:
$400

Annual Limit per policy:
No limit

Waiting Periods:
2 months

Please note: Benefits are only payable from a registered pharmacy

The annual combined limit includes pharmacy, assisted reproductive drugs and flu vaccinations.

Mental Health Navigator

Mental Health Navigator includes an expert review of a mental health diagnosis and ongoing treatment plan with support.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

HIF Second Opinion

HIF Second Opinion provides an expert review of your physical health diagnosis and ongoing treatment plan with support.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Not Included

Not covered.

Included

Annual Limit per person:
Unlimited

Annual Limit per policy:
Unlimited

 

*Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.