Basic Starter
Compare 74 HIF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HIF
Basic Starter
$262.90
Emergency and non-emergency ambulance covered
Optical included
50% back on general dental
50% back on physio
50% back on chiropractic
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $151.05
- Excess
- $750
- Hospital tier
- Basic
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
6 weeks free on Combined or Packaged Cover
6 weeks free on Combined or Packaged Cover
Ending 31 July 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
HIF Choice Network dentistsSpecial dental rates at a HIF Choice Network dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
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
Basic Starter
$262.90
Emergency and non-emergency ambulance covered
Optical included
50% back on general dental
50% back on physio
50% back on chiropractic
Excess
Frequently Asked Questions
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