(before any rebate or insurer discount)
Covers only one person
Available in Victoria
# 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 *: Pharmacy benefit paid after deduction of the PBS co-payment at 100% up to $80 per script. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only. Optical benefit paid on frames and prescription optical items. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 2 | $1,250 per policy (combined limit for general dental, major dental, endodontic & orthodontic) $1,250 lifetime limit for Orthodontic | Periodic oral examination - $54.35 Scale & clean - $110.35 Fluoride treatment - $33.20 Surgical tooth extraction - $139.75 |
| Major dental* | 12 | Full crown veneered - $720.25 | |
| Endodontic | 12 | Filling of one root canal - $129.15 | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 100% of charge | |
| Optical* | 2 | $200 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals* | 2 | $200 per policy (combined limit for non pbs pharmaceuticals & other services) | Per eligible prescription - $80.00 |
| Physiotherapy | 2 | $400 per policy (combined limit for physiotherapy, chiropractic, podiatry, dietetics/dietary advice, exercise physiology, osteopathy & other services) | Initial visit - $35.00 Subsequent visit - $35.00 |
| Chiropractic | 2 | Initial visit - $28.00 Subsequent visit - $28.00 | |
| Podiatry | 2 | Initial visit - $28.00 Subsequent visit - $28.00 | |
| Acupuncture | 2 | $150 per policy (combined limit for acupuncture, remedial massage & chinese medicine) | Initial visit - $28.00 Subsequent visit - $28.00 |
| Remedial massage | 2 | Initial visit - $28.00 Subsequent visit - $28.00 | |
| Chinese medicine | 2 | Initial visit - $28.00 Subsequent visit - $28.00 | |
| Dietetics/dietary advice | 2 | Combined limit - see Physiotherapy | Initial visit - $30.00 Subsequent visit - $30.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $25.00 Subsequent visit - $25.00 |
| Health management / Healthy lifestyle | 2 | $75 per policy | Health management - 100% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - $28.00 Subsequent visit - $28.00 |
| Our Complementary Therapies includes: acupuncture, myotherapy, remedial massage and traditional Chinese medicine. Treatment must be provided by a practitioner who is registered with HIF in the speciality for which the charge is raised, benefits are not payable on medicines. The limits detailed above are subject to a combined overall person limit of $400 for physio, exercise physiology, chiro, osteo, podiatry and dietetics consultations. | |||
| Blood glucose monitors | Psychology |
| Hearing aids | Other treatments - check with your insurer |
Essential Extras includes all those essential services like Dental, Physio, Chiro, Podiatry, Complementary Therapies, Ambulance and more.
In Victoria this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Non-emergency: Unlimited transport with a waiting period of 30 days.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
There is no limit to the number of emergency ambulance services you use. If you’re taken to a hospital’s emergency department for urgent treatment, we’ll cover 100% of the charge. If it’s a non-emergency ambulance service, you only make a $50 co-payment per trip. Not covered: Inter-hospital transportation except for inter-hospital transfers relating to an emergency or new illness where approved on a case by case basis by HIF. Transportation from a hospital to your home, nursing home or other hospital. Transportation for ongoing medical treatment. Off road, sea or air ambulance (plane, helicopter or boat).
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.