healthslips.com.au Policy Information

Health Insurance Fund of Australia Limited

Super Options

$99.6 / month

(Before Rebate, Discount & Loading)

Available in VIC

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.

This policy covers: Only one person.

Policy ID: HIF/A0/VAPM10

Source: Private Health Information Statement (PHIS)

Extras Cover

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

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture* 2

$250 per policy

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $25
  • Subsequent visit: $25
Blood glucose monitors 12

$200 per policy

  • Per monitor: 75% of charge
Chinese medicine* 2

$250 per policy

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $25
  • Subsequent visit: $25
Chiropractic* 2

$550 per policy

combined limit for chiropractic & osteopathy

sub-limits apply

  • Initial visit: $30
  • Subsequent visit: $30
Dietetics/dietary advice 2

$324 per policy

  • Initial visit: $36
  • Subsequent visit: $18
Endodontic 2

$1,300 per policy

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Filling of one root canal: $113.8
Eye therapy (orthoptics)* 2

$900 per policy

combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

sub-limits apply

  • Initial visit: $50
  • Subsequent visit: $25
General dental 2

$1,300 per policy

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Fluoride treatment: $33.2
  • Scale & clean: $110.35
  • Periodic oral examination: $54.35
Health management / Healthy lifestyle 2

$100 per policy

  • Health management: $100
Hearing aids 12

$550 per policy

  • Hearing aid: $550
Home nursing 2

$1,800 per policy

  • Initial visit: $75
  • Subsequent visit: $75
Major dental* 12

$1,300 per policy

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Surgical tooth extraction: $112.8
  • Full crown veneered: $748.8
Non PBS pharmaceuticals* 2

$200 per policy

  • Per eligible prescription: $80
Occupational therapy* 2

$900 per policy

combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

sub-limits apply

  • Initial visit: $45
  • Subsequent visit: $25
Optical* 2

$260 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthodontic 12

$1,300 per policy

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $1300
Orthotics (podiatric orthoses) 12

$200 per policy

  • Orthotics supply & fit: 75% of charge
Osteopathy* 2

$550 per policy

combined limit for chiropractic & osteopathy

sub-limits apply

  • Initial visit: $30
  • Subsequent visit: $30
Physiotherapy* 2

$900 per policy

combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

sub-limits apply

  • Initial visit: $40
  • Subsequent visit: $40
Podiatry 2

$354 per policy

  • Initial visit: $32
  • Subsequent visit: $23
Psychology 2

$740 per policy

  • Initial visit: $75
  • Subsequent visit: $55
Remedial massage* 2

$250 per policy

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $25
  • Subsequent visit: $25
Speech therapy* 2

$900 per policy

combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

sub-limits apply

  • Initial visit: $75
  • Subsequent visit: $45

Acupuncture*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for acupuncture, chinese medicine, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chinese medicine*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for acupuncture, chinese medicine, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per policy}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$324 per policy}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $18}

Endodontic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per policy}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: $113.8}

Eye therapy (orthoptics)*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$900 per policy}

{combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $25}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per policy}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: $33.2}

{Scale & clean: $110.35}

{Periodic oral examination: $54.35}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

Examples of maximum benefits

{Health management: $100}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$550 per policy}

Examples of maximum benefits

{Hearing aid: $550}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,800 per policy}

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $75}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per policy}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: $112.8}

{Full crown veneered: $748.8}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Per eligible prescription: $80}

Occupational therapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$900 per policy}

{combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $25}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$260 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per policy}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $1300}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Orthotics supply & fit: 75% of charge}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per policy}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$900 per policy}

{combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$354 per policy}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $23}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$740 per policy}

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $55}

Remedial massage*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for acupuncture, chinese medicine, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Speech therapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$900 per policy}

{combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $45}

A 12 month waiting period applies to dental items: 322-324, 331, 595, and 596. A 12 month waiting period applies to IVF drugs. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only. Like most Extras health covers, there are annual limits (a limit on how much we will pay toward your claims) for most services under Super Options. However, your benefit limits will be refreshed every year on January 1. What’s more, we’ll increase your annual limits on a number of services. For example, benefits and annual limits for major dental services increase each year for the first five years of membership. Likewise, benefits and annual limits for complementary therapy services will increase after three years of membership, while optical benefits increase after five years. Other items covered: Asthmatic spacers, Diabetes Education, External Prosthesis, Humidifier/ Nebuliser and a Peak Flow Meter.

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes
Audiology
Exercise physiology
Vaccinations

Other features of this general treatment cover: Super Options has practically everything you could wish for – major dental, chiro, physio, optical, healthy lifestyle and ambulance to name just a few. Plus, it covers a host of other health services like psychology, orthotics and speech therapy.

For further information about this policy see: https://www.hif.com.au/superoptions-factsheet

Ambulance cover

In VIC 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.

Other features of this ambulance cover: 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).

For further information about this policy see: https://www.hif.com.au/ambulance

Insurer Details

Health Insurance Fund of Australia Limited

Super Options

$99.6 / month

(Before Rebate, Discount & Loading)

Available in VIC

Health Insurance Fund of Australia Limited

http://www.hif.com.au

hello@hif.com.au

1300 134 060

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/HIF/A0/VAPM10

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