Extras cover
HIF extras cover: which policies are worth it?
HIF sells 8 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, one pays back more than it costs.
Every HIF extras policy
Each one worked for one adult in NSW unless marked, under 65, after the rebate, over a year at typical prices. The three columns are a year with one dental check-up a year; two dental visits and new glasses; two dental visits, new glasses and six physio sessions.
- Basic Extras$231 behind+$19 ahead+$289 ahead$36.35 a month before the rebateA check-up$231 behindTeeth and glasses+$19 aheadTeeth, glasses, physio+$289 ahead
- Simple Extras$430 behind$110 behind+$214 ahead$60.45 a month before the rebateA check-up$430 behindTeeth and glasses$110 behindTeeth, glasses, physio+$214 ahead
- Value Extras$380 behind$176 behind+$4 ahead$47.75 a month before the rebateA check-up$380 behindTeeth and glasses$176 behindTeeth, glasses, physio+$4 ahead
- Essential Extras$619 behind$364 behind$154 behind$73.90 a month before the rebateA check-up$619 behindTeeth and glasses$364 behindTeeth, glasses, physio$154 behind
- Special Options$667 behind$467 behind$467 behind$73.30 a month before the rebateA check-up$667 behindTeeth and glasses$467 behindTeeth, glasses, physio$467 behind
- Advanced Extras$902 behind$572 behind$302 behind$105.00 a month before the rebateA check-up$902 behindTeeth and glasses$572 behindTeeth, glasses, physio$302 behind
- Super Options$1,041 behind$781 behind$781 behind$114.30 a month before the rebateA check-up$1,041 behindTeeth and glasses$781 behindTeeth, glasses, physio$781 behind
- Top Extras$1,318 behind$964 behind$664 behind$150.70 a month before the rebateA check-up$1,318 behindTeeth and glasses$964 behindTeeth, glasses, physio$664 behind
These are three set examples, not your year.
Put in what you actually use and the calculator ranks every policy from every fund, HIF included.
Work out mine →Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Corporate products and extras sold only with a hospital policy are left out. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.