Pricing for a single in NSW, under 65
Premium calculated for current profile with rebate applied.
Extras Coverage — Top Level
Annual limits and benefit percentages shown below.
| Service | Annual limit | Benefit % | Waiting period | Details |
|---|---|---|---|---|
| General dental | $1,250 | $139.75 | 2 months | |
| Major dental | – | $720.25 | 12 months | |
| Endodontic | – | $129.15 | 12 months | |
| Orthodontic | – | 100% | 12 months | |
| Optical | $200 | 100% | 2 months | |
| Physiotherapy | $400 | $35.00 | 2 months | |
| Chiropractic | – | $28.00 | 2 months | |
| Podiatry | – | $28.00 | 2 months | |
| Osteopathy | – | $28.00 | 2 months | |
| Acupuncture | $150 | $28.00 | 2 months | |
| Remedial massage | – | $28.00 | 2 months | |
| Dietetics | – | $30.00 | 2 months | |
| Exercise physiology | – | $25.00 | 2 months | |
| Non-PBS pharmaceuticals | $200 | $80.00 | 2 months | |
| Chinese herbal medicine | – | $28.00 | 2 months | |
| Health management | $75 | 100% | 2 months |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
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About Insurer
HIF is a not-for-profit Australian health insurer. They offer 74 policies across hospital, extras, and combined cover.
HIF, the Health Insurance Fund of Australia, is a not-for-profit health fund that has operated since 1954. It offers a choice of hospital, extras and combined cover, along with travel insurance.
View all insurer policiesImportant Information
This page provides a summary of Essential Extras by HIF based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from HIF
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 26 July 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by HIF.
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No registration · No paywall · Last updated 26 July 2026 · Data compiled and powered by Convincely
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