Premium Options
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.
This product is closed: it no longer accepts new members, but existing members can keep using it.
Services covered (23)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $1,500 a yearShared with Major dental, Root canal (endodontics), Orthodontics (braces) |
| Major dental | 12 months |
| $1,500 a yearShared with General dental, Root canal (endodontics), Orthodontics (braces) |
| Root canal (endodontics) | 2 months |
| $1,500 a yearShared with General dental, Major dental, Orthodontics (braces) |
| Orthodontics (braces) | 12 months |
| $1,500 a yearShared with General dental, Major dental, Root canal (endodontics) |
| Glasses and contact lenses | 2 months |
| $280 a year |
| Non-PBS prescription medicines | 2 months |
| $200 a year |
| Physiotherapy | 2 months |
| $1,200 a yearShared with Orthoptics, Occupational therapy, Speech therapy |
| Chiropractic | 2 months |
| $650 a yearShared with Osteopathy |
| Podiatry | 2 months |
| $382 a year |
| Psychology | 2 months |
| $1,000 a year |
| Acupuncture | 2 months |
| $500 a yearShared with Remedial massage, Chinese herbal medicine |
| Remedial massage | 2 months |
| $500 a yearShared with Acupuncture, Chinese herbal medicine |
| Hearing aids | 12 months |
| $550 a year |
| Blood glucose monitors | 12 months |
| $200 a year |
| Chinese herbal medicine | 2 months |
| $500 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $324 a year |
| Orthoptics | 2 months |
| $1,200 a yearShared with Physiotherapy, Occupational therapy, Speech therapy |
| Health management programs | 2 months |
| $125 a year |
| Home nursing | 2 months |
| $1,800 a year |
| Occupational therapy | 2 months |
| $1,200 a yearShared with Physiotherapy, Orthoptics, Speech therapy |
| Orthotics | 12 months |
| $240 a year |
| Osteopathy | 2 months |
| $650 a yearShared with Chiropractic |
| Speech therapy | 2 months |
| $1,200 a yearShared with Physiotherapy, Orthoptics, Occupational therapy |
Not covered: Audiology (hearing tests), Exercise physiology, Vaccinations, Antenatal and postnatal care
Annual limits
Services in the same group share one limit.
General dental, Major dental, Root canal (endodontics), Orthodontics (braces)
$1,500 a year
Also includes other services not listed
Glasses and contact lenses
$280 a year
Non-PBS prescription medicines
$200 a year
Physiotherapy, Orthoptics, Occupational therapy, Speech therapy
$1,200 a year
Chiropractic, Osteopathy
$650 a year
Podiatry
$382 a year
Also includes other services not listed
Psychology
$1,000 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$500 a year
Also includes other services not listed
Hearing aids
$550 a year, 1 per 3 years
Blood glucose monitors
$200 a year, 1 per 3 years
Also includes other services not listed
Dietetics
$324 a year
Health management programs
$125 a year
Home nursing
$1,800 a year
Orthotics
$240 a year
Insurer's notes (original English)
Product features
Premium Options is one of our top-level Extras cover. It’s big on everyday healthcare services, covering all the essentials like dental, chiro, physio, osteo and optical, as well as other services like orthoptics (eye therapy), occupational therapy, speech therapy and hearing aids. It also gives you larger benefits and higher annual limits all round. Plus, you can access our ‘HIF Second Opinion’ service, so you can get a second opinion on any diagnosis, condition or treatment plan.
Other services
A 12 month waiting period applies to dental items: 322-324, 331, 595, and 596. A 12 month waiting period applies to IVF drugs. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only. Like most Extras health covers, there are annual limits (a limit on how much we will pay toward your claims) for most services under Premium Options. However, your benefit limits will be refreshed every year on January 1. What’s more, we’ll increase your annual limits on a number of services. For example, benefits and annual limits for major dental services increase each year for the first five years of membership. Likewise, benefits and annual limits for complementary therapy services will increase after three years of membership, while optical benefits increase after five years. Other items covered: Asthmatic spacers, Diabetes Education, External Prosthesis, Humidifier/ Nebuliser and a Peak Flow Meter.
Special features
Optical benefit paid on frames and prescription optical items. Pharmacy benefit paid after deduction of the PBS co-payment at 100% up to $80 per script. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply. The limits detailed below are subject to a combined overall person limit of $650 for chiro and osteo. A combined overall person limit of $1,200 for occupational therapy, orthoptics (eye therapy), physio and speech therapy. Our Complementary Therapies sub-limit ($500 per person) includes: acupuncture, myotherapy, remedial massage and traditional Chinese medicine.
Frequently asked questions
How much does Premium Options pay for a scale and clean?
What are the waiting periods for Premium Options?
Can Premium Options be bought on its own?
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