Vital Options offers great-value, entry-level cover for singles and couples. It covers all those vital ‘general treatment’ services you might need, such as chiro, physio, osteo and general dental, plus some endodontic and periodontal items. With Vital Options, we’ll pay 50% for each treatment or service until you reach the $800 per person annual combined limit. Easy! Check out our summary of what’s included on Vital Options and be sure to read our Health Cover Guide for more general information on our health insurance products, inclusions and limits on HIF Extras cover
Vital option pricing
ACT, Single, $34.80 per month
ACT, Couple, $34.80 per month
NSW, Single, $34.80 per month
NSW, Couple, $34.80 per month
NT, Single, $34.80 per month
NT, Couple, $34.80 per month
WA, Single, $34.80 per month
WA, Couple, $34.80 per month
What’s covered? Service Waiting period Emergency Ambulance1 1 day Chiropractic 2 months Osteopathy 2 months Physiotherapy 2 months Dental Service Waiting period Dental item numbers covered* Dental – General 2 months 011-017, 022-056, 059-118, 121, 123-141, 151-171, 311-314, 332-399, 511-515, 521-526, 531-536, 556, 571-588, 597, 598, 692, 911-915, 919, 926, 949-986. 12 months 057, 322, 324, 331, 595, 596 Dental – Endodontic 2 months 411-459 Dental – Periodontic 2 months 213-251
Just need cover for the essentials? No worries. Understanding ambulance cover If you need urgent ambulance transport, you can claim 50% of the bill, up to the maximum combined annual limit of $800 per person. That’s great value when you consider Medicare doesn’t cover urgent ambulance transport, which can often cost over $900! Some ambulance services aren’t covered though, while in other circumstances some state governments provide subsidies for ambulance assistance. Check out our Health Cover Guide for full details. How much can you claim? With a combined annual limit of $800 per person, per year, Vital Options gives you complete freedom to choose how you use your limit. Whether it’s for a quick check-up at the dentist or a couple of visits to your chiropractor, you can choose the services you’d like to use and we’ll pay back 50% on each service until you reach your maximum annual limit of $800. For example, you can claim up to $800 on dental services each year, or you can split your limit across more of the services covered by Vital Options – say $250 on dental, $400 on osteo and $150 on chiro. It’s totally up to you. To view our different ways to claim, visit
Vital Options offers great-value, entry-level cover for singles and couples. It covers all those vital ‘general treatment’ services you might need, such as chiro, physio, osteo and general dental, plus some endodontic and periodontal items. With Vital Options, we’ll pay 50% for each treatment or service until you reach the $800 per person annual combined limit. Easy! Check out our summary of what’s included on Vital Options and be sure to read our Health Cover Guide for more general information on our health insurance products, inclusions and limits
What’s covered? Service Waiting period Emergency Ambulance1 1 day Chiropractic 2 months Osteopathy 2 months Physiotherapy 2 months Dental Service Waiting period Dental item numbers covered