Essential Extras
A Extras-only product from HIF. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.
Services covered (16)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $1,250 a yearShared with Major dental, Root canal (endodontics), Orthodontics (braces) |
| Major dental | 12 months |
| $1,250 a yearShared with General dental, Root canal (endodontics), Orthodontics (braces) |
| Root canal (endodontics) | 12 months |
| $1,250 a yearShared with General dental, Major dental, Orthodontics (braces) |
| Orthodontics (braces) | 12 months |
| $1,250 a yearShared with General dental, Major dental, Root canal (endodontics) |
| Glasses and contact lenses | 2 months |
| $200 a year |
| Non-PBS prescription medicines | 2 months |
| $200 a year |
| Physiotherapy | 2 months |
| $400 a yearShared with Chiropractic, Podiatry, Dietetics, Exercise physiology, Osteopathy |
| Chiropractic | 2 months |
| $400 a yearShared with Physiotherapy, Podiatry, Dietetics, Exercise physiology, Osteopathy |
| Podiatry | 2 months |
| $400 a yearShared with Physiotherapy, Chiropractic, Dietetics, Exercise physiology, Osteopathy |
| Acupuncture | 2 months |
| $150 a yearShared with Remedial massage, Chinese herbal medicine |
| Remedial massage | 2 months |
| $150 a yearShared with Acupuncture, Chinese herbal medicine |
| Chinese herbal medicine | 2 months |
| $150 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $400 a yearShared with Physiotherapy, Chiropractic, Podiatry, Exercise physiology, Osteopathy |
| Exercise physiology | 2 months |
| $400 a yearShared with Physiotherapy, Chiropractic, Podiatry, Dietetics, Osteopathy |
| Health management programs | 2 months |
| $75 a year |
| Osteopathy | 2 months |
| $400 a yearShared with Physiotherapy, Chiropractic, Podiatry, Dietetics, Exercise physiology |
Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Orthotics, Psychology, Speech therapy, Occupational therapy, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Home nursing
Annual limits
Services in the same group share one limit.
General dental, Major dental, Root canal (endodontics), Orthodontics (braces)
$1,250 a year
Glasses and contact lenses
$200 a year
Non-PBS prescription medicines
$200 a year
Also includes other services not listed
Physiotherapy, Chiropractic, Podiatry, Dietetics, Exercise physiology, Osteopathy
$400 a year
Also includes other services not listed
Acupuncture, Remedial massage, Chinese herbal medicine
$150 a year
Health management programs
$75 a year
Insurer's notes (original English)
Product features
Essential Extras includes all those essential services like Dental, Physio, Chiro, Podiatry, Complementary Therapies, Ambulance and more.
Other services
Our Complementary Therapies includes: acupuncture, myotherapy, remedial massage and traditional Chinese medicine. Treatment must be provided by a practitioner who is registered with HIF in the speciality for which the charge is raised, benefits are not payable on medicines. The limits detailed above are subject to a combined overall person limit of $400 for physio, exercise physiology, chiro, osteo, podiatry and dietetics consultations.
Special features
Pharmacy benefit paid after deduction of the PBS co-payment at 100% up to $80 per script. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only. Optical benefit paid on frames and prescription optical items. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.
Frequently asked questions
How much does Essential Extras pay for a scale and clean?
What are the waiting periods for Essential Extras?
Can Essential Extras be bought on its own?
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