healthslips.com.au Policy Information

Health Insurance Fund of Australia Limited

Essential Extras

$143.2 / 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/A9/VBXE2D

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

$150 per person

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: $28
  • Subsequent visit: $28
Chinese medicine 2

$150 per person

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: $28
  • Subsequent visit: $28
Chiropractic 2

$400 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services

  • Initial visit: $28
  • Subsequent visit: $28
Dietetics/dietary advice 2

$400 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services

  • Initial visit: $30
  • Subsequent visit: $30
Endodontic 12

$1,250 per person

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

  • Filling of one root canal: $129.15
Exercise physiology 2

$400 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services

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

$1,250 per person

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

  • Fluoride treatment: $33.2
  • Scale & clean: $110.35
  • Surgical tooth extraction: $139.75
  • Periodic oral examination: $54.35
Health management / Healthy lifestyle 2

$75 per person

  • Health management: 100% of charge
Major dental* 12

$1,250 per person

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

  • Full crown veneered: $720.25
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

$1,250 per person

$1,250 lifetime limit

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

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge
Osteopathy 2

$400 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services

  • Initial visit: $28
  • Subsequent visit: $28
Physiotherapy 2

$400 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services

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

$400 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services

  • Initial visit: $28
  • Subsequent visit: $28
Remedial massage 2

$150 per person

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: $28
  • Subsequent visit: $28

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

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

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

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

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,250 per person}

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

Examples of maximum benefits

{Filling of one root canal: $129.15}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,250 per person}

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

Examples of maximum benefits

{Fluoride treatment: $33.2}

{Scale & clean: $110.35}

{Surgical tooth extraction: $139.75}

{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: 100% of charge}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,250 per person}

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

Examples of maximum benefits

{Full crown veneered: $720.25}

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

{$1,250 per person}

{$1,250 lifetime limit}

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

Examples of maximum benefits

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

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

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

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

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. The limits detailed above are subject to a combined overall person limit of $400 for physio, exercise physiology, chiro, osteo, podiatry and dietetics consultations.

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

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

Other features of this general treatment cover: Essential Extras includes all those essential services like Dental, Physio, Chiro, Podiatry, Complementary Therapies, Ambulance and more.

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

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

Essential Extras

$143.2 / 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/A9/VBXE2D

Read our Terms of Use and Privacy Policy