(before any rebate or insurer discount)
Covers 2 adults (and no-one else)
Available in Western Australia
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
HIF has partnered with a network of providers to make a selected range of services more affordable. By choosing an HIF Choice Network provider you’ll receive low or no out-of-pocket costs. See www.hif.com.au/choice-network
| Note, for items marked with an asterisk *: 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. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $800 per person (combined limit for general dental, endodontic, physiotherapy, chiropractic, osteopathy & other services) | Periodic oral examination - 50% of charge Scale & clean - 50% of charge Fluoride treatment - 50% of charge Surgical tooth extraction - 50% of charge |
| Endodontic* | 2 | Filling of one root canal - 50% of charge | |
| Physiotherapy* | 2 | Initial visit - 50% of charge Subsequent visit - 50% of charge | |
| Chiropractic* | 2 | Initial visit - 50% of charge Subsequent visit - 50% of charge | |
| Osteopathy* | 2 | Initial visit - 50% of charge Subsequent visit - 50% of charge | |
| A 12 month waiting period applies to dental items: 322-331, 595, and 596. | |||
| Acupuncture | Non PBS pharmaceuticals | Psychology |
| Blood glucose monitors | Optical | Remedial massage |
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
| Major dental | Podiatry |
Just need cover for the essentials? No worries. 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, Ambulance 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 limit plus 100% for one emergency ambulance service per person per year.
In Western Australia this policy provides:
Emergency: with a waiting period of 1 day, limited to 1 services per year.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
There is a limit of one emergency ambulance service or call-out fees per person per year.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.