Simple Extras

Compare 74 HIF policies. Prices shown for: Single, NSW, Age 30, $500 excess.

HIF

Simple Extras

$60.45

Emergency and non-emergency ambulance covered

100% back on optical lenses

Dental included

Physio included

60% back on non-PBS prescriptions

Excess

Extras claim back

No gap on selected services

Hospital Cover Details Extras Cover Details FAQs

Why this cover

Simple Extras

Fund rules

Member guide

Extras Cover

Dental
Optical
Physiotherapy
Chiropractic

Pricing & Value

Monthly premium from: $47.60
Excess: $0
HIF Choice Network benefit: No gap on selected services

Excellent Service Record0.70× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Hospital Cover

Extras Cover

14 covered13 not covered

HIF Choice Network dentistsNo-gap dental check-ups at a HIF Choice Network dentist

Check if your dentist is in-networkSearch our provider directory for your clinic.

Endodontic

$600/policy1 yr

Root Canal Therapy: 60% back

General Dental

$600/policy2 mo

Periodic Exam: 60% back or no gap at HIF Choice NetworkScale & Clean: 60% back or no gap at HIF Choice NetworkFluoride: 60% back or no gap at HIF Choice NetworkExtraction: 60% back

Major Dental

$600/policy1 yr

Full Crown (Veneered): 60% back

Orthodontic

Optical

$200/policy2 mo

Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back

Orthoptics

Acupuncture

$350/policy2 mo