healthslips.com.au Policy Information

Health Insurance Fund of Australia Limited

Simple Options

$117.7 / 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 & 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/A6/VBLC2D

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

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Chinese medicine 2

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Chiropractic 2

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Endodontic 2

$600 per person up to $1,200 per policy

combined limit for endodontic & major dental

  • Filling of one root canal: 60% of charge
General dental 2

$600 per person up to $1,200 per policy

  • Fluoride treatment: 60% of charge
  • Scale & clean: 60% of charge
  • Surgical tooth extraction: 60% of charge
  • Periodic oral examination: 60% of charge
Health management / Healthy lifestyle 2

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Health management: 60% of charge
Major dental 12

$600 per person up to $1,200 per policy

combined limit for endodontic & major dental

  • Full crown veneered: 60% of charge
Non PBS pharmaceuticals* 2

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Per eligible prescription: 60% of charge
Optical* 2

$200 per person up to $400 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Osteopathy 2

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Physiotherapy 2

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Podiatry 2

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Remedial massage 2

$350 per person up to $700 per policy

combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services

sub-limits apply

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Endodontic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $1,200 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: 60% of charge}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $1,200 per policy}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 60% of charge}

{Surgical tooth extraction: 60% of charge}

{Periodic oral examination: 60% of charge}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Health management: 60% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $1,200 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: 60% of charge}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

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

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

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

A 12-month waiting period applies to dental items: 322-324, 331, 595, and 596. Complementary Therapies sub-limit is $150 per person ($300 per couple or family membership). Benefits are claimable for 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. Healthy Lifestyle sub-limit is $150 per person ($300 per couple or family membership)). Benefits are claimable for approved health management, quit smoking or weight loss programs, health assessments, skin cancer screening (if not covered by Medicare), and exercise physiology. The limits detailed above are subject to a combined overall person limit of $350 ($700 per couple or family membership) for complementary therapies, chiro, healthy lifestyle, osteo, pharmacy, physio and podiatry consultations.

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

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

Other features of this general treatment cover: Simple Options is our great-value Extras cover that offers a percentage back on the services included. It's ideal for singles, couples and families looking for a value packed cover that offers major and general dental, optical, podiatry consultations, pharmacy, chiro, physio, osteo, healthy lifestyle and ambulance services.

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

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

Simple Options

$117.7 / 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/A6/VBLC2D

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