HIF extras cover
Is HIF Special Options worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $73.30 a month before the rebate, $55.62 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$667 behind
That costs $200 with no cover. On this policy you’d pay $667 in premiums and get $0 back.
126th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $657 better off over the year.
Two dental visits and new glasses
$467 behind
That costs $700 with no cover. On this policy you’d pay $667 in premiums and get $200 back.
103rd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $517 better off over the year.
Two dental visits, new glasses and six physio sessions
$467 behind
That costs $1,240 with no cover. On this policy you’d pay $667 in premiums and get $200 back.
136th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $837 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | Covered, amount not published as a set figure | $1,000shared with major dental, endodontic (root canal) and orthodontic | 2 months |
| Major Dental | Covered, amount not published as a set figure | $1,000shared with general dental, endodontic (root canal) and orthodontic | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $1,000shared with general dental, major dental and orthodontic | 2 months |
| Orthodontic | Covered, amount not published as a set figure | $1,000shared with general dental, major dental and endodontic (root canal) | 12 months |
| Optical | 100% of the fee | $200 | 2 months |
| Non-PBS Medications | $80 a visit | $200 | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $450shared with chiropractic, podiatry, acupuncture, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $450shared with physiotherapy, podiatry, acupuncture, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Podiatry | Covered, amount not published as a set figure | $450shared with physiotherapy, chiropractic, acupuncture, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $450shared with physiotherapy, chiropractic, podiatry, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $450shared with physiotherapy, chiropractic, podiatry, acupuncture, chinese herbal medicine and osteopathy | 2 months |
| Chinese Herbal Medicine | Covered, amount not published as a set figure | $450shared with physiotherapy, chiropractic, podiatry, acupuncture, remedial massage and osteopathy | 2 months |
| Dietetics | $36 a visit first, then $18 a visit | $252 | 2 months |
| Health Management | $75 a visit | $75 | 2 months |
| Osteopathy | Covered, amount not published as a set figure | $450shared with physiotherapy, chiropractic, podiatry, acupuncture, remedial massage and chinese herbal medicine | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
Conditions to know
Some services are explicitly not covered under this policy.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $73.30 | $146.60 | $146.60 | $146.60 |
| VIC | $70.25 | $140.50 | $140.50 | $140.50 |
| QLD | $67.50 | $135.00 | $135.00 | $135.00 |
| WA | $64.55 | $129.10 | $129.10 | $129.10 |
| SA | $69.25 | $138.50 | $138.50 | $138.50 |
| TAS | $64.25 | $128.50 | $128.50 | $128.50 |
| NT | $63.90 | $127.80 | $127.80 | $127.80 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
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. Product code A1/NARM10 on privatehealth.gov.au. 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.