Get your domestic hospital and extras cover sorted

Step 1

Who's your cover for

Displaying options for
 
living in
 
with
 
earning
 
holding a
 
Medicare Card
Step 2

Choose your Hospital Cover

Compare your Hospital cover options to find the perfect level of cover for you, your family and your financial needs. 

Basic Plus

Basic Plus Hospital Cover
 

Basic cover in the event of an accident.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • Private room in an HIF-contracted hospital1
  • Treatment in the event of an accident 
  • Avoid the Medicare Levy Surcharge (MLS)
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Bronze

Bronze Hospital Cover
 

Great value for the young, fit and healthy.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 18 hospital clinical categories 
  • Avoid the Medicare Levy Surcharge (MLS)
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Bronze Plus

Bronze Plus Hospital Cover
 

Like Bronze, plus five additional services.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 23 hospital clinical categories 
  • Choice of higher excess 
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Silver

Silver Hospital Cover
 

Intermediate cover.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 29 hospital clinical categories 
  • Choice of higher excess
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Silver Plus

Silver Plus Hospital Cover
 

Comprehensive cover, minus maternity.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 34 hospital clinical categories
  • Choice of higher excess 
  • Second Opinion on any diagnosis, condition or treatment
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Gold Top

Gold Top Hospital Cover
 

Top hospital cover option for total peace of mind.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 38 hospital clinical categories
  • Includes pregnancy and birth cover
  • Second opinion on any diagnosis, condition or treatment
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Product Fact Sheet

Compare Hospital Cover Download our Health Cover Guide2 View All Fact Sheets

Step 3

Choose your Extras Cover

Compare your options and choose the level of cover that suits your needs, budget and lifestyle. From our entry level Basic Extras, through to our Top Extras cover which includes HIF Second Opinion, giving you access to the best medical advice from the world’s leading specialists.

Basic

Basic Extras
 

Basic Extras is our entry-level cover, providing 50% or more back on commonly used services such as general dental, optical, physio, chiro, osteo and emergency ambulance!

  • Emergency Ambulance - 100% for one emergency ambulance3
  • Optical - Annual limit $150 per person I 300 per policy4
  • Your choice of any service provider
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Value

Value Extras
 

Value-packed Extras includes services for common health needs such as general dental, optical, physio, chiro, pharmacy, complementary therapies, healthy lifestyle and more.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • Optical - Annual limit $150 per person4
  • General dental - Annual limit $750 per person 
  • Your choice of any service provider
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Simple

Simple Extras
 

Simple Extras is just that, simple. It provides 60% or more back on services like general and major dental, ambulance, optical, chiro, physio, osteo, pharmacy and more.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • General dental - Annual limit $600 per person I $1200 per policy 
  • Major dental - Annual limit $600 per person I $1200 per policy 
  • Optical - Annual limit $200 per person I $400 per policy4
  • Your choice of any service provider
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Essential

Essential Extras
 

Essential Extras includes essential services like general and major dental, orthodontics, optical, chiro, physio, podiatry, ambulance, pharmacy, dietetics, complementary therapies and more.

  • Emergency Ambulance - 100% of the fee3
  • Non Emergency Ambulance3
  • General dental, Major dental & Orthodontic - Combined annual limit $1250 per person 
  • Physio, Chiro & Osteo, Exercise Physiology, Podiatry and Dietetics - Combined annual limit $400 per person 
  • Optical - Annual limit $200 per person4
  • Your choice of any service provider
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Advanced

Advanced Extras
 

Our higher value Extras cover, Advanced Extras includes 20+ services from general and major dental, orthodontics, physio, chiro, podiatry, pharmacy, psychology and more.

  • Emergency Ambulance - 100% of the fee3
  • Non-Emergency Ambulance3
  • General dental - Annual limit $1000 per person 
  • Major dental - Annual limit $1000 per person 
  • Optical - Annual limit $275 per person4
  • Physio & Exercise Physiology - Combined Annual limit $500 per person
  • Cover for 20+ Extras services 
  • Your choice of any service provider
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Top

Top Extras
 

Top by name, top by nature. Our premium cover includes larger benefits and higher limits. Plus access to HIF Second Opinion and Mental Health Navigator.

  • Emergency Ambulance - 100% of the fee3
  • Non-Emergency Ambulance3
  • General dental - Unlimited 
  • Major dental - Annual limit $1500 per person
  • Optical - Annual limit $300 per person4
  • Cover for 20+ Extras services 
  • Access a second opinion on any diagnosis or treatment from a world leading expert
  • Your choice of any service provider
Get a Quote
Product Fact Sheet

Compare Extras Cover Download our Health Cover Guide2 View All Fact Sheets

 
 
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Quote Summary

 
 

Why Choose HIF Combined Cover?

HIF’s combined Hospital and Extras cover gives you flexibility and peace of mind. You can tailor your combined cover to suit your lifestyle, budget, and health needs. With HIF’s combined Hospital and Extras cover, you can enjoy:

  • Peace of mind if you need hospital treatments and surgeries
  • Extras cover for services like dental, optical, physio, and chiro
  • Generous benefits on all levels of Extras cover
  • Access to emergency ambulance cover on all policies
  • Flexible combinations of Hospital and Extras cover  to match your needs

It’s all about delivering value, simplicity, and confidence, so you can focus on living well, knowing your Hospital and Extras cover has you supported. 

Compare extras cover options for dental, optical, and physio services

 

 

Frequently Asked Questions?

 

How to choose a combined cover policy?

Choosing the right combination of Hospital and Extras cover is all about finding the balance between what you need and what fits your budget. At HIF, we make it easy to mix and match your Hospital cover with the right level of Extras cover so you get the cover that matters most to you.

Here’s how to get started:

  • Assess your needs: Think about what Hospital services you want covered and which Extras services you’ll use most, like dental, optical, or physio.
  • Consider your stage of life: Whether you’re single, a couple, or covering your family, HIF has flexible combined cover options to suit you.
  • Look for value: Check the benefits, limits, and sub-limits across Extras cover options to make sure you’re getting the best value for your needs.
  • Get help if you need it: HIF’s team is here to help you compare options and tailor the perfect Hospital and Extras cover combination.

What is the differences between Hospital and Extras cover

Hospital cover and Extras cover play two very different but equally important roles in your health insurance. Hospital cover helps pay for treatment and accommodation if you’re admitted to Hospital, including surgeries, overnight stays, and specialist care. It gives you peace of mind if the unexpected happens. On the other hand, Extras cover accounts for every day healthcare costs like dental, optical, physio and chiro services. When you combine them into a Hospital and Extras cover policy, you get the best of both worlds: cover for big medical events with your Hospital cover, plus valuable Extras cover for your day-to-day health needs. With HIF, you can mix and match levels of Hospital and Extras cover to create a combined policy that fits your lifestyle and budget.

How does combined Hospital and Extras cover work?

HIF’s combined Hospital and Extras cover works by bundling Hospital treatment and services together with everyday Extras services, into one easy-to-manage policy. Your Hospital cover helps with the costs of treatments and services when you’re admitted to Hospital, while your Extras cover helps cover everyday services like dental, optical, physio, and chiro  With combined cover, you can mix and match the right level of Hospital and Extras to suit your needs, lifestyle, and budget. It’s a flexible approach that gives you the convenience of managing just one membership and one premium.

What is Extras cover?

Extras cover helps with the costs of everyday healthcare services including dental check-ups, optical (like glasses or contact lenses), physio, chiro, podiatry, and more. With HIF, you can choose from a range of Extras cover options that suit your needs and budget, allowing you to claim back part of the cost of these commonly used health services. When combined with Hospital cover, you get flexible health cover for both unexpected Hospital treatments and everyday health services, all under one easy-to-manage combination of Hospital and Extras cover. 

 

 

 
 


 

 

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