Saver 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 (12)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $750 a year |
| Glasses and contact lenses | 2 months |
| $150 a year |
| Non-PBS prescription medicines | 2 months |
| $350 a yearShared with Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs, Osteopathy |
| Physiotherapy | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs, Osteopathy |
| Chiropractic | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs, Osteopathy |
| Podiatry | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs, Osteopathy |
| Acupuncture | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs, Osteopathy |
| Remedial massage | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Chinese herbal medicine, Dietetics, Health management programs, Osteopathy |
| Chinese herbal medicine | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Dietetics, Health management programs, Osteopathy |
| Dietetics | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs, Osteopathy |
| Health management programs | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Osteopathy |
| Osteopathy | 2 months |
| $350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs |
Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, 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
$750 a year
Also includes other services not listed
Glasses and contact lenses
$150 a year
Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs, Osteopathy
$350 a year
Also includes other services not listed
Insurer's notes (original English)
Product features
Saver Options is our value-packed Extras cover for young singles, couples and families. It’s ideal for young people who want affordable cover for common services, including general dental, optical, chiro, physio, osteo, remedial massage, acupuncture, healthy lifestyle, pharmacy and ambulance services
Other services
A 12 month waiting period applies to dental items: 322-324, 331, 595, and 596. 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. Like most Extras health covers, there are annual limits (a limit on how much we will pay toward your claims) for most services under Saver Options. However, your benefit limits will be refreshed every year on January 1.
Special features
Optical benefit paid on frames and prescription optical items. The limits detailed below are subject to a combined overall person limit of $350 ($700 per couple and family membership) for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations. Our Complementary Therapies sub-limit $100 per person ($200 per couple or family membership) includes acupuncture, myotherapy, remedial massage and traditional Chinese medicine. Treatment must be provided by a practitioner registered with HIF in the speciality for which the charge is raised. Benefits are not payable on medicines.
Frequently asked questions
How much does Saver Options pay for a scale and clean?
What are the waiting periods for Saver Options?
Can Saver Options be bought on its own?
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