Healthy Lifestyle Cover
Extras cover that’s about prevention, as well as cure

At HIF, we believe a healthy lifestyle is key to long-term well-being. It goes without saying, we want you to stay healthy. It’s good for you, but it’s also good for all our members. Healthy members make fewer claims, and fewer claims mean better benefits and lower premiums in the long run. Everyone wins. And that’s the inspiration behind our Healthy Lifestyle Benefits category, which includes heaps of popular services like gym memberships and weight management programs.

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Please read carefully and in conjunction with product factsheets.

Which HIF Extras policies include healthy lifestyle services?

Healthy Lifestyle benefits are included on most of our Extras cover options. The only difference is the benefits and annual limits you can claim depend on your level of cover.

Healthy Lifestyle Benefits	Value Extras	Simple Extras	Essential Extras	Advanced Extras	Top Extras
Benefit	100% of the fee for each individual treatment or service	60% of the fee for each individual treatment or service	100% of the fee for each individual treatment or service	100% of the fee for each individual treatment or service	100% of the fee for each individual treatment or service
Annual limit per person	$50	$150	$75	$100	$150
Annual limit per policy	No limit	$300	No limit	No Limit	No Limit
		The limits detailed above are subject to a combined overall person limit of $350 and policy limit of $700 for physiotherapy, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle. Sub-limits apply for complementary therapies and healthy lifestyle.

Which health programs and memberships are covered?

Our 'Healthy Lifestyle Benefits' category provides a set amount each year to use on various healthy lifestyle programs, memberships, or assessments. Essentially, you can claim a healthy lifestyle benefit to help you maintain a healthy life. – and it's entirely up to you how you choose to spend your healthy lifestyle program benefit.

Gym bunnies, rejoice! You can claim a Healthy Lifestyle Benefit on your gym membership as long as your gym is approved by HIF and you provide evidence that the membership forms part of a personal health management plan. To do so, please ask your professional healthcare professional (GP or Specialist) to complete our Health Management Form and return a copy to us along with your gym membership invoice and a completed HIF Extras Claim Form. This benefit is part of our healthy lifestyle cover, supporting your healthy life goals.

Manage your weight, your way. You can put your Healthy Lifestyle Benefit towards any of the following weight management programs. To lodge a claim, simply ask your (GP or Specialist) to complete our Health Management Form, then return a copy to us along with your relevant invoice(s) and a completed HIF Extras Claim Form.

Slip, slop, slap... skin cancer screening. Benefits are not payable from HIF for skin checks where Medicare pays a benefit. An itemised invoice with the patient’s name must be given by the provider. Please contact us to find out if your screening provider is eligible for benefits.

Ready to quit smoking? If you'd like to take advantage of the Allen Carr’s Easy Way to Stop Smoking, you can choose to claim your Healthy Lifestyle Benefit.