Simple

Simple Options

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A simple extras cover policy that provides a generous annual limit on essential services. Designed for singles, couples, and families wanting:

  • Freedom to choose how you use your annual and membership limit
  • Easy to understand benefits & annual limits
  • No preferred providers, you choose your service provider

Get a Quote

*The weekly pricing above is based on a single policy in Western Australia (WA) and is paid by direct debit on an annual basis after deducting a 25.059% Australian Government Rebate 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.

 

What’s great about Simple Options?

Simple Options provides benefits of 60% of the provider fee up to your annual limits. Optical benefits are even more generous with 100% of the provider fee covered up to your annual limits.

Simple Options includes all those treatment services you might need, such as chiro, osteo, podiatry, optical, general and major dental, pharmacy, complementary therapies and healthy lifestyle

  • Freedom to choose how you use your annual limit

    Claim the full limit on one service or split it across several services

  • Ideal cover for singles, couples and families

    Simple Options is available from just $14.65 per fortnight

  • Easy to understand benefits & annual limits

    You’ll receive a 60% benefit (or more) for each treatment or service to an annual person and policy limit

  • Your choice of any service provider

    HIF doesn’t use preferred providers, we believe that’s your choice

 

Save with
Simple Options

All the services you or your family may need with a 60% benefit paid on all claims up to an annual and policy limit.

Join Now

 

What's included?

Take a look at everything that’s included in our Simple Options cover below. Or you can view our Extras Cover comparison table here or download our Simple Options fact sheet.  

Key:
  • Included
  • Excluded
Teeth

Dental consultation

Dental Category
General Dental (Limited)

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Please note
A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Scale and clean

Dental Category
General Dental (Limited)

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Please note
A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Bleaching

Dental Category
General Dental (Limited)

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Please note
A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

X-rays

Dental Category
General Dental (Limited)

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Please note
A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Dentist-fitted sports mouthguard

Dental Category
General Dental (Limited)

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Please note
A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Adhesive restorations / fillings

Dental Category
General Dental (Limited)

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Please note
A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Removal of permanent teeth

Dental Category
General Dental (Limited)

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Please note
A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Endodontic

Dental Category
Periodontic and Endodontic

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Please note
A 12-month waiting period applies to item numbers 322-324, 331 & 595-596

Periodontic

Dental Category
Periodontic and Endodontic

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
2 months

Dentures, crowns and bridges

Dental Category
Dentures, Crowns and Bridges

Benefit
60% of provider fee

Per person annual limit
$600/year

Limit per policy: 
$1,200/year

The limits detailed above are subject to a combined overall annual limit of $600 per person per policy and membership limit of $1,200 for General Dental services.

Waiting period
12 months

Bones, Joints and Muscles

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

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 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

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

Remedial Massage

Benefit
60% of provider fee

Per person annual limit
$150/year

Limit per policy
$300/year

Waiting period
2 months

Myotherapy

Benefit
60% of provider fee

Per person annual limit
$150/year

Limit per policy
$300/year

Waiting period
2 months

EYES

Glasses, contact lenses, prescription sunglasses

Category
Optical (combined benefit for frames and lenses, contact lenses and/or prescription sunglasses).

Benefit
100% of provider fee

Per person annual limit
$200/year

Limit per policy
$400/year

Waiting period
2 months

Fitness & Wellbeing

Health Management Programs

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

Weight loss programs

Benefit
60% of provider fee

Per person annual limit
$150/year

Limit per policy
$300/year

Waiting period
2 months

Exercise physiology

Benefit
60% of provider fee

Per person annual limit
$150/year

Limit per policy
$300/year

Waiting period
2 months

Quit smoking programs

Benefit
60% of provider fee

Per person annual limit
$150/year

Limit per policy
$300/year

Waiting period
2 months

Pharmaceuticals 

Pharmacy (PBS = Pharmaceutical Benefit Scheme)

Category
Pharmacy

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

Please note
Benefits cannot be paid on contraceptives or NHS (PBS) prescriptions or over the counter items purchased with or without a prescription.

Ambulance Transportation 

Emergency Road Ambulance

Benefit
100% covered

Per Person Annual Limit
No limit

Limit Per Policy
No limit

Waiting Period
2 months

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

Feet

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

Natural Therapies

Acupuncture

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

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.

Traditional Chinese Medicine

Benefit
60% of provider fee up to your annual limits.

Per Person Annual Limit
$150/year

Limit Per Policy
$300/year

Waiting Period
2 months

Medical Advice & Assistance

Mental Health Navigator

Mental Health Navigator is a discreet, quick and confidential service that provides an expert review of your mental health diagnosis plus and ongoing treatment plan with support. It provides access to a network of 50,000 leading Australian-based clinical psychologists, psychiatrists and mental health nurses who will review your current condition (and when needed) modify your diagnosis.

 

What's excluded?

Teeth

Orthodontic

Eyes

Orthoptics (eye therapy)

Fitness & Wellbeing

Dietetics

Pharmaceuticals

Assisted Reproductive Drugs

Feet

Orthotics

Clinical Therapies

Speech therapy

Occupational therapy

Psychology

Appliances & Instruments

Hearing Aids

Asthmatic Spacers

Peak Flow Meter

Blood pressure monitor

Blood glucose monitor

Humidifier

Nebuliser

Circulation booster

TENS machine

CAM Walker

CPAP machine

External Prostheses

Artificial limbs

Wigs (resulting from all illness)

Mammary prostheses

Medical Advice & Assistance

HIF Second Opinion

Auxiliary Home Nursing

Diabetes Education

 

Supporting documents

 


 

Extras Cover FAQs

What’s the Difference Between Extras and Hospital Cover? 

There are two types of health insurance: extras cover and hospital cover. They can be bundled together into combined cover. Extras cover gives you cover for non-hospital medical treatments that aren’t covered by Medicare. Hospital cover provides cover for treatment in a private or public hospital with your choice of doctor.

Which Medical Appliances are Covered?  

Our top two levels of health cover – Super and Premium Options – cover medical appliances and external prosthesis such as hearing aids, artificial limbs, CPAP machines and TENS machines. To find out if a specific appliance can be claimed under extras cover, phone us on 1300 12 40 60. Read more about Medical Appliances.

Do you Offer Cover for Fitness and Wellbeing Programs?

Yes, we want every HIF member to enjoy a healthy and happy lifestyle. That’s why our Saver Options, Simple Options, Special Options, Super Options and Premium Options extras policies include the Healthy Lifestyle services. These services include gym memberships, exercise physiology, health assessments, weight management programs, quit smoking plans and skin cancer screenings.

Of course, there are annual limits and criteria your provider needs to meet. Find out more here.

Are There Waiting Periods? 

All health funds have waiting periods before claiming on health insurance. We do our best to keep waiting periods as short as possible with most services having a two month waiting period. It’s the only way to protect our members from people who may join HIF, claim for an expensive medical treatment straight away then leave, which would hurt every member of the health fund.

Do I Need to Serve Waiting Periods if I Switch from Another Fund?

If you are with another provider and switch to HIF on the same level of cover, any waiting periods you’ve already served will be taken into account and you won’t have to wait to claim with HIF.

Of course, conditions apply - if you have changed to a higher level of Extras health cover with HIF you will have a waiting period for the higher level of cover, but during that period you can still be eligible for benefits at the same level of your old cover.

Read the Product Disclosure Statement

What are Benefit Limits and How Do They Work?  

Depending on your level of cover and how long you have been a HIF member for, there are annual limits on how much you can claim for certain treatments or categories of treatment. With Simple Options the annual and membership limit isn’t dependent on your length of HIF membership.


 

Simple Options Extra Cover

From

A simple extras cover policy that provides a generous annual limit on essential services. Designed for singles, couples, and families wanting:

  • Freedom to choose how you use your annual and membership limit
  • Easy to understand benefits & annual limits
  • No preferred providers, you choose your service provider

Get a Quote

*The weekly pricing above is based on a single policy in Western Australia (WA) and is paid by direct debit on an annual basis after deducting a 25.059% Australian Government Rebate 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.

 

Want more inclusions?
Special Options Extras Cover could be for you.

Learn More