Compare Extras Cover 

Compare your options and choose the level of cover that suits your needs, budget and lifestyle. From our entry-level Basic Extras insurance, through to our Top Extras cover which includes HIF Second Opinion, giving you access to the best medical advice from world leading specialists.

  • Just me
  • Both of us
  • Myself & my kids
  • Our Family

Basic

Basic Extras
 

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

  • Emergency Ambulance - 100% for one emergency ambulance1
  • Optical - Annual limit $150 per person I 300 per policy2
  • Your choice of any service provider

Value

Value Extras
 

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

  • Emergency Ambulance - 100% of the fee1
  • Non Emergency Ambulance1
  • Optical - Annual limit $150 per person2
  • General dental - Annual limit $750 per person 
  • Your choice of any service provider

Simple

Simple Extras
 

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

  • Emergency Ambulance - 100% of the fee1
  • Non Emergency Ambulance1
  • General dental - Annual limit $600 per person I $1200 per policy 
  • Major Dental - Annual limit $600 per person I $1200 per policy 
  • Optical - Annual limit $200 per person I $400 per policy2
  • Your choice of any service provider

Essential

Essential Extras
 

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

  • Emergency Ambulance - 100% of the fee1
  • Non Emergency Ambulance1
  • General dental, Major dental & Orthodontic - Combined annual limit $1250 per person 
  • Physio, Chiro & Osteo, Exercise Physiology, Podiatry and Dietetics - Combined annual limit $400 per person 
  • Optical - Annual limit $200 per person2
  • Your choice of any service provider

Advanced

Advanced Extras
 

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

  • Emergency Ambulance - 100% of the fee1
  • Non-Emergency Ambulance1
  • General dental - Annual limit $1000 per person 
  • Major dental - Annual limit $1000 per person 
  • Optical - Annual limit $275 per person2
  • Physio & Exercise Physiology - Combined Annual limit $500 per person
  • Cover for 20+ Extras services 
  • Your choice of any service provider

Top

Top Extras
 

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

  • Emergency Ambulance - 100% of the fee1
  • Non-Emergency Ambulance1
  • General dental - Unlimited 
  • Major Dental - Annual limit $1500 per person
  • Optical - Annual limit $300 per person2
  • Cover for 20+ Extras services 
  • Access a second opinion on any diagnosis or treatment from a world leading expert
  • Your choice of any service provider


 

Looking for great-value Extras Cover?

We've got some great value Extras options to choose from. From everyday health services like dental, optical, physio, chiro, remedial massage, healthy lifestyle programs (inc. gym memberships) and ambulance to pharmacy, psychology, speech therapy, hearing aids and much more. 

As a HIF member, with the exception of optical, you’re not locked into a limited number of preferred providers either - you have total freedom to choose your own registered dentist, physiotherapist, chiropractor and other Extras providers. Compare your cover options and get a quote online now!

Get a Quote

 

 

Benefits of HIF Extras Cover

  • HIF is not for profit and member-focused

    We're a not-for-profit health fund. This means our priority is to look after the health and wellbeing of our members, not maximise profits.

  • Enjoy some of the lowest premiums in Australia

    Our Extras cover has some of the lowest premiums in Australia - you get quality cover and peace of mind from as little as a cup of coffee a week.

  • Total freedom to choose your own Extra providers

    You have total freedom to choose your own registered dentist, optician, physiotherapist, chiropractor and other Extras providers.