healthslips.com.au Policy Information

Health Insurance Fund of Australia Limited

Premium Options

$265.5 / month

(Before Rebate, Discount & Loading)

Available in NT

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/A5/DAQL20

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 & other services

  • Initial visit: $30
  • Subsequent visit: $30
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 & other services

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

$650 per person

combined limit for chiropractic & osteopathy

sub-limits apply

  • Initial visit: $35
  • Subsequent visit: $35
Dietetics/dietary advice 2

$324 per person

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

$1,500 per person

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

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

$1,200 per person

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

sub-limits apply

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

$1,500 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

$125 per person

  • Health management: $125
Hearing aids 12

$550 per person

  • Hearing aid: $600
Home nursing 2

$1,800 per person

  • Initial visit: $120
  • Subsequent visit: $120
Major dental* 12

$1,500 per person

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

sub-limits apply

  • Surgical tooth extraction: $121.5
  • Full crown veneered: $872.1
Non PBS pharmaceuticals* 2

$200 per person

  • Per eligible prescription: $80
Occupational therapy* 2

$1,200 per person

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

sub-limits apply

  • Initial visit: $60
  • Subsequent visit: $27
Optical* 2

$280 per person

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

$1,500 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: $1500
Orthotics (podiatric orthoses) 12

$240 per person

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

$650 per person

combined limit for chiropractic & osteopathy

sub-limits apply

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

$1,200 per person

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

sub-limits apply

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

$382 per person

  • Initial visit: $32
  • Subsequent visit: $25
Psychology 2

$1,000 per person

  • Initial visit: $100
  • Subsequent visit: $55
Remedial massage* 2

$500 per person

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

  • Initial visit: $30
  • Subsequent visit: $30
Speech therapy* 2

$1,200 per person

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

{$500 per person}

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

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

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 & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$324 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

{$1,500 per person}

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

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

{$1,200 per person}

{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

{$1,500 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

{$125 per person}

Examples of maximum benefits

{Health management: $125}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

Examples of maximum benefits

{Hearing aid: $600}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,800 per person}

Examples of maximum benefits

{Initial visit: $120}

{Subsequent visit: $120}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: $121.5}

{Full crown veneered: $872.1}

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}

Occupational therapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $27}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$280 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

{$1,500 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: $1500}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$240 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

{$650 per person}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$382 per person}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $25}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

Examples of maximum benefits

{Initial visit: $100}

{Subsequent visit: $55}

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 & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Speech therapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{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 Premium 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: Premium Options is one of our top-level Extras cover. It’s big on everyday healthcare services, covering all the essentials like dental, chiro, physio, osteo and optical, as well as other services like orthoptics (eye therapy), occupational therapy, speech therapy and hearing aids. It also gives you larger benefits and higher annual limits all round. Plus, you can access our ‘HIF Second Opinion’ service, so you can get a second opinion on any diagnosis, condition or treatment plan.

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

Ambulance cover

In NT 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

Premium Options

$265.5 / month

(Before Rebate, Discount & Loading)

Available in NT

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/A5/DAQL20

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