Essential Extras
Compare 74 HIF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HIF
Essential Extras
$151.50
Emergency and non-emergency ambulance covered
100% back on orthodontics
100% back on optical lenses
Physiotherapy included
Dental included
Excess
Extras claim back
No gap on selected services
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $125.35
- 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
16 covered11 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
$1,250/person1 yr
Root Canal Therapy: $129.15
General Dental
$1,250/person2 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: $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
Essential Extras
$151.50
Emergency and non-emergency ambulance covered
100% back on orthodontics
100% back on optical lenses
Physiotherapy included
Dental included
Excess
Extras claim back
No gap on selected services
Frequently Asked Questions
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