It’s important to understand your Extras cover so you know what you’re entitled to, but first – what are Extras?
Extras are additional services that help to keep you fit and healthy that generally aren’t covered by Medicare. To stay fit and healthy, you need more than just cover in an emergency situation, you need services that help to look after your eyes, teeth, bones, muscles and mind.
HIF members have access to a range of different Extras covers which have recently been updated to give our members more choice when it comes to finding cover to suit their lifestyle.
We encourage members to think about what services they might need – what is it you like to do in your spare time? Are you into skateboarding, perhaps you need physio and chiro options? Is your screen time through the roof, might we recommend optical? Or perhaps you’re a parkour enthusiast, major dental might be necessary? Just in case.
The following extras packages have been put together by the brightest sparks at HIF to cover all bases.
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.
- 50% or more back up to your annual limits
- Optical1 – 100% back up to an annual limit of $150 per person and $300 per policy
- Emergency Ambulance2 – 100% cover for one emergency ambulance service per person
VALUE EXTRAS
Value Extras is our value-packed Extras cover for common health needs such as General Dental, Optical, Physio, Chiro, Complimentary Therapies and more.
- General Dental – Annual limit of $750 per person
- Optical1 – 100% back up to an annual limit of $150 per person
- Ambulance2 – Unlimited cover for both Emergency and Non-Emergency Ambulance ($50 co-payment for Non-Emergency)
SIMPLE EXTRAS
Simple Extras is our great-value Extras cover that offers 60% or more back on services such as General Dental, Major Dental, Optical, Physio, Chiro, Complementary Therapies and more.
- 60% or more back up to your annual limits - Simple
- Cover for General and Major Dental
- Optical1 – 100% back up to an annual limit of $200 per person and $400 per policy
ESSENTIAL EXTRAS
Essential Extras includes all those essential services like Dental, Physio, Chiro, Podiatry, Complementary Therapies, Ambulance and more.
- Choice of how you use your Dental limit - $1,250 combined annual limit for General Dental, Major Dental and Orthodontics
- Optical1 – 100% back up to an annual limit of $200 per person
- Flexible combined annual limit of $400 per person for Physio, Chiro, Osteo, Podiatry and Dietetics
ADVANCED EXTRAS
Advanced Extras is one of our higher value Extras cover options. It includes cover for over 20 services such as Dental, Physio, Chiro, Podiatry, Complementary Therapies, Pharmacy, Psychology and more.
- Cover for your Dental needs (General Dental, Major Dental and Orthodontics)
- Optical1 – 100% back up to an annual limit of $275 per person
- Cover for over 20 Extras services
TOP EXTRAS
Top Extras is our top-level Extras cover. It includes larger benefits and higher limits and provides coverage for over 20 services such as Dental, Physio, Chiro, Podiatry, Complementary Therapies, Pharmacy, Psychology and more.
- Cover for your Dental needs (General Dental, Major Dental and Orthodontics)
- Optical1 – 100% back up to an annual limit of $300 per person
- Access to HIF’s Second Opinion and Mental Health Navigator, so you can get a second opinion on any diagnosis, condition, or treatment plan.
As a HIF member, you’re not locked into a limited number of preferred providers either - you have total freedom to choose your own registered dentist, optician and other Extras providers. This is just one of the many things that makes all the difference with HIF.
Compare all of the new Extras cover options and get a quote online now.
1 Benefits are payable on prescription optical items.
2 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).