Basic Starter
Compare 66 HIF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HIF
Basic Starter
$81.65
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $81.65
- 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/policy2 mo
Periodic Exam: 50% backScale & Clean: 50% backFluoride: 50% backExtraction: 50% back
Endodontic
-Major Dental
-Orthodontic
-Optical
$150/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Chiropractic
$300/policy2 mo
1st visit: 50% backNext visit: 50% back
Osteopathy
$300/policy2 mo
1st visit: 50% backNext visit: 50% back
Physiotherapy
$300/policy2 mo
1st visit: 50% backNext visit: 50% back
Acupuncture
-Chinese Herbal Medicine
-Exercise Physiology
-Occupational Therapy
-Psychology
-Remedial Massage
-Speech Therapy
-HIF
Basic Starter
$81.65
Excess
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The information on this page is general in nature and is not intended as financial advice, insurance advice, or a recommendation for any particular policy. All pricing shown is indicative only. Please verify all information directly with insurers and consider seeking professional advice for your specific circumstances.
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