healthslips.com.au Policy Information

Health Insurance Fund of Australia Limited

Top Extras

$289.7 / 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: Two adults (and no-one else).

Policy ID: HIF/A12/VBWF20

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

$500 per person

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: $40
  • Subsequent visit: $40
Blood glucose monitors 12

$200 per person

  • Per monitor: 75% of charge
Chinese medicine 2

$500 per person

combined limit for acupuncture, chinese medicine & remedial massage

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

$550 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $40
  • Subsequent visit: $40
Dietetics/dietary advice 2

$400 per person

  • Initial visit: $45
  • Subsequent visit: $45
Endodontic 12

$1,500 per person

combined limit for endodontic & major dental

  • Filling of one root canal: $155
Exercise physiology 2

$750 per person

combined limit for exercise physiology, physiotherapy & other services

  • Initial visit: $35
  • Subsequent visit: $35
Eye therapy (orthoptics) 2

$600 per person

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

  • Initial visit: $45
  • Subsequent visit: $45
General dental 2

No annual limit

  • Fluoride treatment: $33.2
  • Scale & clean: $110.35
  • Surgical tooth extraction: $165.15
  • Periodic oral examination: $54.35
Health management / Healthy lifestyle 2

$150 per person

  • Health management: 100% of charge
Hearing aids 12

$1,000 per person

  • Hearing aid: 100% of charge
Home nursing 2

$500 per person

  • Initial visit: $100
  • Subsequent visit: $100
Major dental* 12

$1,500 per person

combined limit for endodontic & major dental

  • Full crown veneered: $911.85
Non PBS pharmaceuticals* 2

$400 per person

  • Per eligible prescription: $80
Occupational therapy 2

$600 per person

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

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

$300 per person

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

$1,000 per person

$2,500 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge
Orthotics (podiatric orthoses) 12

$250 per person

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

$550 per person

combined limit for chiropractic & osteopathy

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

$750 per person

combined limit for exercise physiology, physiotherapy & other services

  • Initial visit: $50
  • Subsequent visit: $50
Podiatry 2

$400 per person

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

$700 per person

  • Initial visit: $90
  • Subsequent visit: $90
Remedial massage 2

$500 per person

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: $40
  • Subsequent visit: $40
Speech therapy 2

$600 per person

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

  • Initial visit: $65
  • Subsequent visit: $65

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

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

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

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

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $155}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

{combined limit for exercise physiology, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Fluoride treatment: $33.2}

{Scale & clean: $110.35}

{Surgical tooth extraction: $165.15}

{Periodic oral examination: $54.35}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Health management: 100% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

Examples of maximum benefits

{Hearing aid: 100% of charge}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $100}

{Subsequent visit: $100}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: $911.85}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Per eligible prescription: $80}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 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}

{$2,500 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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 person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

{combined limit for exercise physiology, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Initial visit: $90}

{Subsequent visit: $90}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

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

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: $65}

{Subsequent visit: $65}

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. A 12 month waiting period applies to IVF drugs. 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
Vaccinations

Other features of this general treatment cover: Top Extras is our top-level Extras cover. It includes larger benefits and higher limits and provides coverage for over 20 services such as Dental, Physio, Chiro, Podiatry, Complementary Therapies, Pharmacy, Psychology and more.

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

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

Top Extras

$289.7 / 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/A12/VBWF20

Read our Terms of Use and Privacy Policy