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Emergency ambulance Emergency ambulance refers to the cost of emergency ambulance transport and emergency treatment by paramedics. Benefit: 100% of the fee for each emergency ambulance service Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 1 day Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat). | Included | Included |
Non-emergency ambulance Non-emergency ambulance refers to the cost of non-emergency ambulance transport and treatment by paramedics. Benefit: 100% of the fee for each non-emergency ambulance service. A $50 per trip co-payment (to be paid by the member) will apply. Annual Limit per person: Unlimited Annual Limit per policy: Unlimited Waiting Period: 30 days Not covered:
- Transportation from a hospital to your home, nursing home or other hospital.
- Transportation for ongoing medical treatment.
- Off road or air ambulance (e.g. plane, helicopter or boat). | Included | Included |
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Public hospital - shared room This provides cover for the cost of a shared room in a public hospital anywhere in Australia. | Included | Included |
Private hospital - shared room This provides cover for the cost of a shared room in an HIF-contracted private hospital anywhere in Australia. | Included | Included |
Private hospital - private room This provides cover for the cost of a private room in an HIF-contracted private hospital anywhere in Australia. (Subject to availability of private room) | Included | Included |
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Rehabilitation Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation. Waiting Period: 2 months | Restricted | Restricted |
Hospital psychiatric services Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy. Waiting Period: 2 months | Restricted | Restricted |
Palliative care Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain. Waiting Period: 2 months | Restricted | Restricted |
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Brain and nervous system Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.
Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Eye (not cataracts) Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.
For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.
Cataract procedures are listed separately under Cataracts.
Eyelid procedures are listed separately under Plastic and reconstructive surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Ear, nose and throat Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.
Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.
The implantation of a hearing device is listed separately under Implantation of hearing devices.
Orthopaedic neck conditions are listed separately under Back, neck and spine.
Sleep studies are listed separately under Sleep studies
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Tonsils, adenoids and grommets Hospital treatment of the tonsils, adenoids and insertion or removal of grommets. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Bone, joint and muscle Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.
Chest surgery is listed separately under Lung and chest.
Spinal cord conditions are listed separately under Brain and nervous system.
Spinal column conditions are listed separately under Back, neck and spine.
Joint reconstructions are listed separately under Joint reconstructions.
Joint replacements are listed separately under Joint replacements.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Joint reconstructions Hospital treatment for surgery for joint reconstructions.
For example: torn tendons, rotator cuff tears and damaged ligaments.
Joint replacements are listed separately under Joint replacements.
Bone fractures are listed separately under Bone, joint and muscle.
Procedures to the spinal column are listed separately under Back, neck and spine.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon). Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Kidney and bladder Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
For example: kidney stones, adrenal gland tumour and incontinence.
Dialysis is listed separately under Dialysis for chronic kidney failure.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Male reproductive system Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
For example: male sterilisation, circumcision and prostate cancer.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Digestive system Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.
Endoscopy is listed separately under Gastrointestinal endoscopy.
Hernia and appendicectomy procedures are listed separately under Hernia and appendix.
Bariatric surgery is listed separately under Weight loss surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Hernia and appendix Hospital treatment for the investigation and treatment of a hernia or appendicitis.
Digestive conditions are listed separately under Digestive system. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Gastrointestinal endoscopy Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).
Non-endoscopic procedures for the digestive system are listed separately under Digestive system. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Gynaecology Hospital treatment for the investigation and treatment of the female reproductive system.
For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.
Fertility treatments are listed separately under Assisted reproductive services.
Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.
Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Miscarriage and termination of pregnancy Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Chemotherapy, radiotherapy and immunotherapy for cancer Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Pain management Hospital treatment for pain management that does not require the insertion or surgical management of a device.
For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.
Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Skin Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.
For example: melanoma, minor wound repair and abscesses.
Removal of excess skin due to weight loss is listed separately under Weight loss surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Breast surgery (medically necessary) Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.
This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Diabetes management (excluding insulin pumps) Hospital treatment for the investigation and management of diabetes.
For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.
Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.
Treatment for ulcers is listed separately under Skin.
Provision and replacement of insulin pumps is listed separately under Insulin pumps. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Heart and vascular system Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Lung and chest Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Blood Hospital treatment for the investigation and treatment of blood and blood-related conditions.
For example: blood clotting disorders and bone marrow transplants.
Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Back, neck and spine Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.
Joint replacements are listed separately under Joint replacements.
Joint fusions are listed separately under Bone, joint and muscle.
Spinal cord conditions are listed separately under Brain and nervous system.
Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Plastic and reconstructive surgery (medically necessary) Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident or congenital.
For example: burns requiring a graft, cleft palate, club foot and angioma.
Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Dental surgery Hospital treatment for surgery to the teeth and gums. For example: surgery to remove wisdom teeth, and dental implant surgery.
Waiting Period: 2 months (12 months for pre-existing conditions) Please note: If you undergo surgery by a recognised dentist in a hospital, you may be able to claim benefits for theatre, accommodation and anaesthetist costs. Benefits towards your dentist's fees will only be paid if you also hold a suitable Extras product and have served all relevant waiting periods in addition to your Hospital cover. | Not Included | Included |
Podiatric surgery Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for: - accommodation; and
- the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.
Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Implantation of hearing devices Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
Stapedectomy is listed separately under Ear, nose and throat. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
Cataracts Hospital treatment for surgery to remove a cataract and replace with an artificial lens. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Joint replacements Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.
Joint fusions are listed separately under Bone, joint and muscle.
Spinal fusions are listed separately under Back, neck and spine
Joint reconstructions are listed separately under Joint reconstructions.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon). Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Dialysis for chronic kidney failure Hospital treatment for dialysis treatment for chronic kidney failure.
For example: peritoneal dialysis and haemodialysis. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Pregnancy and birth Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition.
For example, respiratory conditions are covered under Lung and chest.
Female reproductive conditions are listed separately under Gynaecology.
Fertility treatments are listed separately under Assisted reproductive services.
Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy. Waiting Period: 12 months | Not Included | Not Included |
Assisted reproductive services Hospital treatment for fertility treatments or procedures.
For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).
Treatment of the female reproductive system is listed separately under Gynaecology.
Pregnancy and birth-related services are listed separately under Pregnancy and birth. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Weight loss surgery Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
For example: gastric banding, gastric bypass, sleeve gastrectomy. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Insulin pumps Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Pain management with device Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).
Treatment of pain that does not require a device is listed separately under Pain management. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Not Included |
Sleep studies Hospital treatment for the investigation of sleep patterns and anomalies.
For example: sleep apnoea and snoring. Waiting Period: 2 months (12 months for pre-existing conditions) | Not Included | Included |
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Choice of hospital excess Please refer to the individual product factsheets for more details on the excesses that apply. | Not Included | Not Included |
HIF Second Opinion HIF Second Opinion is a service for HIF members with Silver Plus or Gold Top Hospital and/or Top Extras cover. It gives you access to the Teladoc Health network of the world's leading medical specialists, enabling you to get a second opinion on any diagnosis, condition or treatment. Plus, eligible HIF members get access to the Teladoc Health online medical advice portal, giving you the opportunity to submit questions to a panel of experienced Australian GPs, access expert insights and use their online symptom checker. | Not Included | Not Included |
AccessGap Cover Did you know... doctors can charge more than the Medicare Benefits Schedule (MBS)? And if they do, their patients will incur an out of pocket expense for the difference between the fee charged and the MBS. The good news is that HIF’s medical gap cover arrangement, AccessGap, is designed to minimise or eliminate these out of pocket expenses for inpatient medical services in a registered overnight hospital or day facility. | Included | Included |
Mental Health Navigator Mental Health Navigator is a discreet, quick and confidential service that provides an expert review of your mental health diagnosis plus and ongoing treatment plan with support. It provides access to a network of leading Australian-based clinical psychologists, psychiatrists and mental health nurses who will review your current condition (and when needed) modify your diagnosis. | Included | Included |
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General Dental General dental includes commonly used services such as consultations/oral examinations, scale and cleans, bleaching, x-rays, mouthguards, fillings and removal of permanent teeth | IncludedBenefit:
If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Oral Examination (012)1
Benefit: 50% Dental x-ray (022)
Benefit: 50% Scale and clean (114)1
Benefit: 50% Fluoride treatment (121)1
Benefit: 50% Surgical tooth extraction (322)
Benefit: 50%
Filling/tooth restoration (531)
Benefit: 50% Annual Limit per person:
$400 Annual Limit per policy:
$800 Waiting Period:
2 months Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment. 1Subsequent visits for these item numbers within the calendar year are paid at a lower benefit. | IncludedBenefit:
If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Oral Examination (012)1
Benefit: 60% Dental x-ray (022)
Benefit: 60% Scale and clean (114)1
Benefit: 60% Fluoride treatment (121)1
Benefit: 60% Surgical tooth extraction (322)
Benefit: 60%
Filling/tooth restoration (531)
Benefit: 60% Annual Limit per person:
$600 Annual Limit per policy:
$1,200 Waiting Period:
2 months Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment. 1Subsequent visits for these item numbers within the calendar year are paid at a lower benefit. |
Major Dental Major dental includes complex services such as crowns and bridges, root canals, dentures and most periodontic services. | Not Included | IncludedBenefit:
If you'd like to confirm the benefit payable, please complete our dental estimate form. Commonly claimed item numbers include: Filling of one root canal (417)
Benefit: 60% Full crown - non metallic (613)
Benefit: 60% Full crown - veneered (615)
Benefit: 60% Dentures - complete (719)*
Benefit: 60% Annual Limit per person:
$600 Annual Limit per policy:
$1,200 Waiting Period:
12 months *Benefits for replacement dentures and partial dentures are not paid within three years of previous supply. |
Orthodontics Orthodontics include the diagnosis, prevention and correction of jaw alignment issues. Common types of orthodontic services include braces, clear and removable aligners (e.g. Invisalign) and retainers. | Not Included | Not Included |
Optical Optical includes services such as glasses, contact lenses and prescription sunglasses. Even better, HIF members get bonus discounts of up to 25% from a range of retail and online optical stores - Find out more | IncludedBenefit:
100% for frames, prescription lenses and contact lenses Annual Limit per person:
$150 Annual Limit per policy:
$300 Waiting Period:
2 months Benefits are payable on prescription optical items. | IncludedBenefit:
100% for frames, prescription lenses and contact lenses Annual Limit per person:
$200 Annual Limit per policy:
$400 Waiting Period:
2 months Benefits are payable on prescription optical items. |
Physiotherapy Physiotherapy consultations include the treatment of health conditions including sports injuries and musculoskeletal conditions. | IncludedBenefit Individual consulatation: 50% Group, hydrotherapy or antenatal: 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. | IncludedBenefit:
Individual consulatation: 60% Group, hydrotherapy or antenatal: 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, psychology and healthy lifestyle (sub-limits apply for complementary therapies, psychology and healthy lifestyle). |
Chiropractic Chiropractic consultations includes services which use spinal adjustments to treat health problems that are related to nerves, skeleton and muscle. | IncludedBenefit: Individual consultation: 50% 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. | IncludedBenefit:
Individual consultation: 60% 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, psychology and healthy lifestyle (sub-limits apply for complementary therapies, psychology and healthy lifestyle). |
Osteopathy Osteopathy is a holistic approach to health that stresses manual readjustments and physical manipulation of muscle tissue and bones. Osteopathy treatment may include individual exercise routines, relaxation techniques, or body awareness sessions. | IncludedBenefit:
Individual consultation: 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. | IncludedBenefit:
Individual consultation: 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, psychology and healthy lifestyle (sub-limits apply for complementary therapies, psychology and healthy lifestyle). |
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Podiatry consultations Podiatry consultations include the diagnosis, and medical treatment of ailments of the foot, ankle and lower limbs. | Not Included | IncludedBenefit:
Individual consultation: 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, psychology and healthy lifestyle (sub-limits apply for complementary therapies, psychology and healthy lifestyle).
Benefits are not payable on podiatry surgery or orthotics. |
Pharmaceuticals (non-PBS) Drugs The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that provides subsidised prescription medicines to residents of Australia. The Non-PBS includes prescription pharmaceuticals which are not listed on the Australian government’s Pharmaceutical Benefits Schemes (PBS).
Pharmacy includes pharmaceuticals (non-PBS drugs), flu vaccinations and assisted reproductive drugs on selected covers)
| Not Included | IncludedBenefit: Non-PBS pharmaceuticals: 60% (up to annual limit) of the balance after the PBS fee is deduct* 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, psychology and healthy lifestyle (sub-limits apply for complementary therapies, psychology and healthy lifestyle).
Benefits are not payable on PBS (Pharmaceutical Benefit Scheme) prescription or over the counter items purchased with or without a prescription. |
Assisted Reproductive Drugs
Pharmacy includes pharmaceuticals (non-PBS drugs), flu vaccinations and assisted reproductive drugs on selected covers)
| Not Included | Not Included |
Orthotics Orthotics refers to a support, brace or splint used to support, align, prevent or correct the function of movable parts of the body. | Not Included | Not Included |
Complementary therapies Complementary therapies includes commonly used services such as acupuncture, traditional chinese medicine, remedial massage and myotherapy. | Not Included | IncludedBenefit:
Individual consultation: 60% Annual Limit per person:
$150 Annual Limit per policy:
$300 Waiting Period:
2 months The limits detailed above are subject to a combined overall person limit of $350 and policy limit of $700 for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies, psychology and healthy lifestyle. |
Dietetics Dietetics includes consultations with a dietitician who provide guidance on how to manage diets for people who may be affected by health conditions such as diabetes, weight managment, cancer, heart disease, renal disease, gastro-intestinal diseases and food allergies. | Not Included | Not Included |
Healthy Lifestyle Healthy Lifestyle includes services such as Gym Memberships, Weight Management Programs, Health Assessments, Health Management Programs, Quit Smoking Plans and Skin Cancer Screenings | Not Included | IncludedBenefit:
60% of the fee for each individual treatment or service Annual Limit per person:
$150 Annual Limit per policy:
$300 Waiting Period:
2 months The limits detailed above are subject to a combined overall person limit of $350 and policy limit of $700 for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies, psychology and healthy lifestyle. Benefits are payable for HIF approved programs delivered by registered providers only. Please contact us prior to commencing a program to confirm your eligibility. |
Occupational therapy Occupational therapy consultations help people with developmental, physical and psychological conditions. | Not Included | Not Included |
Orthoptics (eye therapy) Orthoptics is the study or treatment of irregularities of the eyes, especially those of the eye muscles that prevent normal binocular vision. | Not Included | Not Included |
Speech therapy Speech therapy is the study, diagnosis and treatment for communication disorders, including difficulties with speaking, listening, understanding language, and reading, and writing, social skills, stuttering and using voice. | Not Included | Not Included |
Psychology Psychology is the science of
behaviour & mind, embracing all aspects of conscious and unconscious
experience as well as thought. Clinical psychologists diagnose and treat mental health, behavioural and emotional disorders such an anxiety, depression and chronic illness. | Not Included | IncludedBenefit:
60% per consultation Annual Limit per person:
$150 Annual Limit per policy:
$300 Waiting Period:
2 months The limits detailed above are subject to a combined overall person limit of $350 and policy limit of $700 for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies, psychology and healthy lifestyle. |
Hearing Aids Hearing aids are a device to amplify and change sound to assist with hearing impairments. | Not Included | Not Included |
Exercise physiology Exercise physiologists specialise in clinical exercise interventions for people with a broad range of health issues. The aims of exercise physiology interventions are to prevent or manage acute, sub-acute or chronic disease or injury, and assist in restoring one’s optimal physical function, health or wellness. | Not Included | IncludedBenefit:
Individual consultation: 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, psychology and healthy lifestyle |
Health Aids, Appliances and External Prosthesis Health Aids, Appliances and External Prosthesis include items such as circulation boosters, TENS machines, CAM Walker, Artificial limbs, Wigs and Mammary Prosthesis | Not Included | Not Included |
Breathing appliances Breathing appliances include services such as Asthmatic spacers, Peak Flow Meter, Humidifier and Nebulisers. | Not Included | Not Included |
Blood glucose monitor and blood pressure monitor A blood glucose monitor is a device to measure the concentration of glucose in the blood. A blood pressure monitor is a device used to measure blood pressure. | Not Included | Not Included |
Diabetes Education Diabetes Educators teach, coach and guide patients so they understand their diabetes and how it affects their personal lives, and work with them to set (and meet) behaviour change goals to improve their health. | Not Included | Not Included |
Auxillary Home Nursing Auxillary Home Nursing includes services for people that require a registered nurse to assess, initiate and oversea nursing interventions in a home setting where appropriate. | Not Included | Not Included |
Flu Vaccinations Flu vaccinations include a benefit towards your annual flu vaccination.
Pharmacy includes pharmaceuticals (non-PBS drugs), flu vaccinations and assisted reproductive drugs on selected covers) | Not Included | IncludedBenefit:
$20 (1 per person, per calendar year) Annual Limit per person:
$350 Annual Limit per policy:
$700 Waiting Period:
2 months Benefits are only payable from a registered pharmacy. The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies, psychology and healthy lifestyle (sub-limits apply for complementary therapies, psychology and healthy lifestyle). |
Mental Health Navigator Mental Health Navigator is a discreet, quick and confidential service (for HIF members 18 years and over) that provides an expert review of your mental health diagnosis plus and ongoing treatment plan with support.
It provides access to a network of leading Australian-based clinical psychologists, psychiatrists and mental health nurses who will review your current condition (and when needed) modify your diagnosis. | IncludedAnnual Limit per person:
Unlimited Annual Limit per policy:
Unlimited | IncludedAnnual Limit per person:
Unlimited Annual Limit per policy:
Unlimited |
HIF Second Opinion HIF Second Opinion provides an expert review of your physical health diagnosis and ongoing treatment plan with support. | Not Included | Not Included |