Top Extras
Compare 74 HIF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HIF
Top Extras
$150.70
Emergency and non-emergency ambulance covered
100% back on orthodontics
100% back on optical lenses
100% back on hearing aids
Home nursing included
Excess
Extras claim back
No gap on selected services
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $120.75
- 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
24 covered3 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
$1,500/policy1 yr
Root Canal Therapy: $155
General Dental
Unlimited2 mo
Periodic Exam: $54.35 or no gap at HIF Choice NetworkScale & Clean: $110.35 or no gap at HIF Choice NetworkFluoride: $33.2 or no gap at HIF Choice NetworkExtraction: $165.15
Major Dental
$1,500/policy1 yr
Full Crown (Veneered): $911.85
Orthodontic
$1,000/policy1 yr
Braces (Upper & Lower): 100% back
Optical
$300/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
$600/policy2 mo
1st visit: $45Next visit: $45
Acupuncture
$500/policy2 mo
1st visit: $40Next visit: $40
Chinese Herbal Medicine
$500/policy2 mo
1st visit: $40Next visit: $40
Chiropractic
$550/policy2 mo
1st visit: $40Next visit: $40
Exercise Physiology
$750/policy2 mo
1st visit: $35Next visit: $35
Occupational Therapy
$600/policy2 mo
1st visit: $45Next visit: $45
Osteopathy
$550/policy2 mo
1st visit: $40Next visit: $40
Physiotherapy
$750/policy2 mo
1st visit: $50Next visit: $50
Psychology
$700/policy2 mo
1st visit: $90Next visit: $90
Remedial Massage
$500/policy2 mo
1st visit: $40Next visit: $40
Speech Therapy
$600/policy2 mo
1st visit: $65Next visit: $65
Dietetics
$400/policy2 mo
1st visit: $45Next visit: $45
Hearing Aids
$1,000/policy1 yr
Hearing Aid: 100% back
Home Nursing
$500/policy2 mo
1st visit: $100Next visit: $100
Orthotics
$250/policy1 yr
Orthotics: 75% back
Podiatry
$400/policy2 mo
1st visit: $40Next visit: $40
Antenatal/Postnatal
-Audiology
-Glucose Monitor
$200/policy1 yr
Glucose Monitor: 75% back
Health Management
$150/policy2 mo
Health Management: 100% back
Non-PBS Pharmaceuticals
$400/policy2 mo
Prescription: $80
Vaccinations
-HIF
Top Extras
$150.70
Emergency and non-emergency ambulance covered
100% back on orthodontics
100% back on optical lenses
100% back on hearing aids
Home nursing included
Excess
Extras claim back
No gap on selected services
Frequently Asked Questions
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