Hospital + ExtrasOn sale

Basic Starter

A Hospital + Extras product from HIF. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (5)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 50% of the fee Scale and clean (114): 50% of the fee Fluoride (121): 50% of the fee Extraction (322): 50% of the fee	$400 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$150 a year
Physiotherapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Chiropractic, Osteopathy
Chiropractic	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Physiotherapy, Osteopathy
Osteopathy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Physiotherapy, Chiropractic

Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, Podiatry, Orthotics, Acupuncture, Chinese herbal medicine, Remedial massage, Psychology, Dietetics, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$400 a year
Glasses and contact lenses
$150 a year
Physiotherapy, Chiropractic, Osteopathy
$300 a year
Also includes other services not listed

Insurer's notes (original English)

Product features

Extras cover, providing 50% back or more on commonly used services such as General Dental, Optical, Physio, Chiro and Osteo.

Other services

The limits detailed above are subject to a combined overall person limit of $300 ($600 per couple or family membership) for physio, chiro and osteo.

Special features

Optical benefit paid on frames and prescription optical items.

Frequently asked questions

How much does Basic Starter pay for a scale and clean?

According to government data, Basic Starter pays 50% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $400 a year.

What are the waiting periods for Basic Starter?

General dental 2 months, Glasses and contact lenses 2 months, Physiotherapy 2 months, Chiropractic 2 months, Osteopathy 2 months.

Can Basic Starter be bought on its own?

This product combines hospital and Extras in one policy, with Basic hospital cover.

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