healthslips.com.au Policy Information

Health Insurance Fund of Australia Limited

Special Options

$131.8 / month

(Before Rebate, Discount & Loading)

Available in SA

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: Two adults & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: HIF describes any child dependant up to the age of 20

Policy ID: HIF/A1/SARW2D

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

$450 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: $25
  • Subsequent visit: $25
Chinese medicine* 2

$450 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

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

$450 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: $27.5
  • Subsequent visit: $27.5
Dietetics/dietary advice 2

$252 per person

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

$1,000 per person

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

sub-limits apply

  • Filling of one root canal: $113.8
General dental 2

$1,000 per person

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

$75 per person

  • Health management: $75
Major dental 12

$1,000 per person

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

sub-limits apply

  • Surgical tooth extraction: $104.15
  • Full crown veneered: $684.65
Non PBS pharmaceuticals 2

$200 per person

  • Per eligible prescription: $80
Optical* 2

$200 per person

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

$1,000 per person

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: $1000
Osteopathy* 2

$450 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: $27.5
  • Subsequent visit: $27.5
Physiotherapy* 2

$450 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: $35
  • Subsequent visit: $35
Podiatry* 2

$450 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: $32
  • Subsequent visit: $23
Remedial massage* 2

$450 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: $25
  • Subsequent visit: $25

Acupuncture*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Chinese medicine*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $27.5}

{Subsequent visit: $27.5}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$252 per person}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $18}

Endodontic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{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}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{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

{$75 per person}

Examples of maximum benefits

{Health management: $75}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: $104.15}

{Full crown veneered: $684.65}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Per eligible prescription: $80}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

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

{$1,000 per person}

{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: $1000}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $27.5}

{Subsequent visit: $27.5}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $23}

Remedial massage*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

A 12 month waiting period applies to dental items: 322-324, 331, 595, and 596. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply. 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. Like most Extras health covers, there are annual limits (a limit on how much we will pay toward your claims) for most services under Special 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.

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

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Exercise physiology
Eye therapy (orthoptics)
Hearing aids
Home nursing
Occupational therapy
Orthotics (podiatric orthoses)
Psychology
Speech therapy
Vaccinations

Other features of this general treatment cover: Special Options includes all those essential services like dental, optical, podiatry, chiro, pharmacy, physio, ambulance and more. It’s a step up from Saver Options, covering those more complex ‘major’ dental services like orthodontics, crowns and bridges. It also offers bigger benefits for services like optical, chiro and physio.

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

Ambulance cover

In SA 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

Special Options

$131.8 / month

(Before Rebate, Discount & Loading)

Available in SA

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/A1/SARW2D

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