Health Insurance

Essential Extras

Compare 66 HIF policies. Prices shown for: Single, NSW, Age 30, $500 excess.

HIF logo

HIF

Essential Extras

$122.30

Emergency and non-emergency ambulance covered

100% back on orthodontic braces

100% back on single and multifocal lenses

Dental included

Physio included

Excess

Why this cover

Member guide

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$122.30
Excess
$0
Excellent Service Record0.61× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

8W2M

Take out any eligible combined or packaged Hospital & Extras policy by Thursday 30 April 2026 and score 8 weeks free plus no 2-month wait on Extras!*

Ending 30 Apr 2026

Hospital Cover

Extras Cover

16 covered11 not covered
Endodontic
$1,250/person1 yr
Root Canal Therapy: $129.15
General Dental
$1,250/person2 mo
Periodic Exam: $54.35Scale & Clean: $110.35Fluoride: $33.2Extraction: $139.75
Major Dental
$1,250/person1 yr
Full Crown (Veneered): $720.25
Orthodontic
$1,250/person1 yr
Braces (Upper & Lower): 100% back
Optical
$200/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-
Acupuncture
$150/person2 mo
1st visit: $28Next visit: $28
Chinese Herbal Medicine
$150/person2 mo
1st visit: $28Next visit: $28
Chiropractic
$400/person2 mo
1st visit: $28Next visit: $28
Exercise Physiology
$400/person2 mo
1st visit: $25Next visit: $25
Osteopathy
$400/person2 mo
1st visit: $28Next visit: $28
Physiotherapy
$400/person2 mo
1st visit: $35Next visit: $35
Remedial Massage
$150/person2 mo
1st visit: $28Next visit: $28
Occupational Therapy
-
Psychology
-
Speech Therapy
-
Dietetics
$400/person2 mo
1st visit: $30Next visit: $30
Podiatry
$400/person2 mo
1st visit: $28Next visit: $28
Antenatal/Postnatal
-
Audiology
-
Hearing Aids
-
Home Nursing
-
Orthotics
-
Health Management
$75/person2 mo
Health Management: 100% back
Non-PBS Pharmaceuticals
$200/person2 mo
Prescription: $80
Glucose Monitor
-
Vaccinations
-
HIF logo

HIF

Essential Extras

$122.30

Emergency and non-emergency ambulance covered

100% back on orthodontic braces

100% back on single and multifocal lenses

Dental included

Physio included

Excess

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