HIF extras cover
Is HIF Top Extras 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 $150.70 a month before the rebate, $114.35 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
$1,318 behind
That costs $200 with no cover. On this policy you’d pay $1,372 in premiums and get $54 back.
202nd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,308 better off over the year.
Two dental visits and new glasses
$964 behind
That costs $700 with no cover. On this policy you’d pay $1,372 in premiums and get $409 back.
170th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,013 better off over the year.
Two dental visits, new glasses and six physio sessions
$664 behind
That costs $1,240 with no cover. On this policy you’d pay $1,372 in premiums and get $709 back.
154th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,033 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 | $54 a visit | Not published | 2 months |
| Major Dental | $912 a visit | $1,500shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $155 a visit | $1,500shared with major dental | 12 months |
| Orthodontic | 100% of the fee | $1,000 | 12 months |
| Optical | 100% of the fee | $300 | 2 months |
| Non-PBS Medications | $80 a visit | $400 | 2 months |
| Physiotherapy | $50 a visit | $750shared with exercise physiology | 2 months |
| Chiropractic | $40 a visit | $550shared with osteopathy | 2 months |
| Podiatry | $40 a visit | $400 | 2 months |
| Psychology | $90 a visit | $700 | 2 months |
| Acupuncture | $40 a visit | $500shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | $40 a visit | $500shared with acupuncture and chinese herbal medicine | 2 months |
| Hearing Aids | 100% of the fee | $1,000 | 12 months |
| Glucose Monitor | 75% of the fee | $200 | 12 months |
| Chinese Herbal Medicine | $40 a visit | $500shared with acupuncture and remedial massage | 2 months |
| Dietetics | $45 a visit | $400 | 2 months |
| Exercise Physiology | $35 a visit | $750shared with physiotherapy | 2 months |
| Orthoptics | $45 a visit | $600shared with occupational therapy and speech therapy | 2 months |
| Health Management | 100% of the fee | $150 | 2 months |
| Home Nursing | $100 a visit | $500 | 2 months |
| Occupational Therapy | $45 a visit | $600shared with orthoptics and speech therapy | 2 months |
| Orthotics | 75% of the fee | $250 | 12 months |
| Osteopathy | $40 a visit | $550shared with chiropractic | 2 months |
| Speech Therapy | $65 a visit | $600shared with 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
Some services are explicitly not covered under this policy.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $150.70 | $301.40 | $308.95 | $301.40 |
| VIC | $150.70 | $301.40 | $308.95 | $301.40 |
| QLD | $148.50 | $297.00 | $304.45 | $297.00 |
| WA | $132.35 | $264.70 | $271.30 | $264.70 |
| SA | $147.45 | $294.90 | $302.25 | $294.90 |
| TAS | $134.95 | $269.90 | $276.65 | $269.90 |
| NT | $120.75 | $241.50 | $247.55 | $241.50 |
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 A12/NBVJ10 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.