Health Insurance

Basic Starter

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

HIF logo

HIF

Basic Starter

$163.30

Emergency and non-emergency ambulance covered

Optical included

Dental included

Physio included

Chiropractic included

Excess

Hospital Cover DetailsExtras Cover DetailsFAQs

Why this cover

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$163.30
Excess
$750
Hospital tier
Basic
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

0 covered35 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine

Extras Cover

5 covered22 not covered
General Dental
$400/person2 mo
Periodic Exam: 50% backScale & Clean: 50% backFluoride: 50% backExtraction: 50% back
Endodontic
-
Major Dental
-
Orthodontic
-
Optical
$150/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-
Chiropractic
$300/person2 mo
1st visit: 50% backNext visit: 50% back
Osteopathy
$300/person2 mo
1st visit: 50% backNext visit: 50% back
Physiotherapy
$300/person2 mo
1st visit: 50% backNext visit: 50% back
Acupuncture
-
Chinese Herbal Medicine
-
Exercise Physiology
-
Occupational Therapy
-
Psychology
-
Remedial Massage
-
Speech Therapy
-
HIF logo

HIF

Basic Starter

$163.30

Emergency and non-emergency ambulance covered

Optical included

Dental included

Physio included

Chiropractic included

Excess

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