HIF extras cover
Is HIF Super 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 $114.30 a month before the rebate, $86.73 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
$1,041 behind
That costs $200 with no cover. On this policy you’d pay $1,041 in premiums and get $0 back.
185th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,031 better off over the year.
Two dental visits and new glasses
$781 behind
That costs $700 with no cover. On this policy you’d pay $1,041 in premiums and get $260 back.
152nd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $830 better off over the year.
Two dental visits, new glasses and six physio sessions
$781 behind
That costs $1,240 with no cover. On this policy you’d pay $1,041 in premiums and get $260 back.
167th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,150 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 | $1,300shared with major dental, endodontic (root canal) and orthodontic | 2 months |
| Major Dental | Covered, amount not published as a set figure | $1,300shared with general dental, endodontic (root canal) and orthodontic | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $1,300shared with general dental, major dental and orthodontic | 2 months |
| Orthodontic | Covered, amount not published as a set figure | $1,300shared with general dental, major dental and endodontic (root canal) | 12 months |
| Optical | 100% of the fee | $260 | 2 months |
| Non-PBS Medications | $80 a visit | $200 | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $900shared with orthoptics, occupational therapy and speech therapy | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $550shared with osteopathy | 2 months |
| Podiatry | $32 a visit first, then $23 a visit | $354 | 2 months |
| Psychology | $75 a visit first, then $55 a visit | $740 | 2 months |
| Acupuncture | $25 a visit | $250shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | $25 a visit | $250shared with acupuncture and chinese herbal medicine | 2 months |
| Hearing Aids | $550 a visit | $550 | 12 months |
| Glucose Monitor | 75% of the fee | $200 | 12 months |
| Chinese Herbal Medicine | $25 a visit | $250shared with acupuncture and remedial massage | 2 months |
| Dietetics | $36 a visit first, then $18 a visit | $324 | 2 months |
| Orthoptics | Covered, amount not published as a set figure | $900shared with physiotherapy, occupational therapy and speech therapy | 2 months |
| Health Management | $100 a visit | $100 | 2 months |
| Home Nursing | $75 a visit | $1,800 | 2 months |
| Occupational Therapy | Covered, amount not published as a set figure | $900shared with physiotherapy, orthoptics and speech therapy | 2 months |
| Orthotics | 75% of the fee | $200 | 12 months |
| Osteopathy | Covered, amount not published as a set figure | $550shared with chiropractic | 2 months |
| Speech Therapy | Covered, amount not published as a set figure | $900shared with physiotherapy, orthoptics and occupational therapy | 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
This policy has special conditions that may affect your benefits. Review the details below.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $114.30 | $228.60 | $228.60 | $228.60 |
| VIC | $102.80 | $205.60 | $205.60 | $205.60 |
| QLD | $102.85 | $205.70 | $205.70 | $205.70 |
| WA | $98.80 | $197.60 | $197.60 | $197.60 |
| SA | $104.55 | $209.10 | $209.10 | $209.10 |
| TAS | $99.15 | $198.30 | $198.30 | $198.30 |
| NT | $96.90 | $193.80 | $193.80 | $193.80 |
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 A0/NAPI10 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.