Which HIF Extras policies include osteo?

All of our Extras Cover options include osteo as standard. The only difference is the benefits and annual limits you can claim depend on your level of cover. Our Extras range also includes cover for other popular services which can help to soothe your aching bones, joints and muscles, such as physio, chiro, myotherapy and remedial massage. 

Here's a quick rundown of the benefits you can claim on all of those services each year to keep your body feeling great!

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Physiotherapy
 
Included

Benefit:
50% of each consultation

Annual Limit per person: 
$300 

Annual Limit per policy:
$600 

Waiting period:
2 months

The above annual limit is combined for physiotherapy, chiropractic and osteopathy.

Included

Benefit:
Individual consultation: $30

Group, hydrotherapy or antenatal: $15

Annual Limit per person: 
$350

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit:
60% of each consultation

Annual Limit per person: 
$350

Annual Limit per policy:
$700

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).

Included

Benefit:
Individual consultation: $35

Group, hydrotherapy or antenatal: $15

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Included

Benefit:
Individual consultation: $45

Group, hydrotherapy or antenatal: $20

Annual Limit per person: 
$500

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for physiotherapy and exercise physiology.

Included

Benefit:
Individual consultation: $50

Group, hydrotherapy or antenatal: $20

Annual Limit per person: 
$750

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined limit for physiotherapy and exercise physiology.

Chiropractic
 
Included

Benefit:
50% of each consultation

X-ray: 50% 

Annual Limit per person: 
$300 

Annual Limit per policy:
$600 

Waiting period:
2 months

The above annual limit is combined for physiotherapy, chiropractic and osteopathy.

Included

Benefit:
Individual consultation: $25

X-ray: $65 - Max 1 per year

Annual Limit per person: 
$350

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit:
60% of each consultation

X-ray: 60% 

Annual Limit per person: 
$350

Annual Limit per policy:
$700

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).

Included

Benefit:
Individual consultation: $28

X-ray: $70 - Max 1 per year

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Included

Benefit:
Individual consultation: $32

X-ray: $85 - Max 1 per year

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for chiropractic and osteopathy.

Included

Benefit:
Individual consultation: $40

X-ray: $110 - Max 1 per year

Annual Limit per person: 
$550

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for chiropractic and osteopathy.

Osteopathy
 
Included

Benefit:
50% of each consultation

Annual Limit per person: 
$300 

Annual Limit per policy:
$600 

Waiting period:
2 months

The above annual limit is combined for physiotherapy, chiropractic and osteopathy.

Included

Benefit:
Individual consultation: $25

Annual Limit per person: 
$350

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Included

Benefit:
60% of each consultation

Annual Limit per person: 
$350

Annual Limit per policy:
$700

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).

Included

Benefit:
Individual consultation: $28

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Included

Benefit:
Individual consultation: $32

Annual Limit per person: 
$400

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for chiropractic and osteopathy

Included

Benefit:
Individual consultation: $40

Annual Limit per person: 
$550

Annual Limit per policy:
No limit

Waiting period:
2 months

The above annual limit is combined for chiropractic and osteopathy