Extras-onlyClosed

Simple 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.

Government data date: 1 October 2026

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (13)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 60% of the fee Scale and clean (114): 60% of the fee Fluoride (121): 60% of the fee Extraction (322): 60% of the fee	$600 a year
Major dental	12 months	Full crown, veneered (615): 60% of the fee	$600 a yearShared with Root canal (endodontics)
Root canal (endodontics)	2 months	Root canal obturation (417): 60% of the fee	$600 a yearShared with Major dental
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$200 a year
Non-PBS prescription medicines	2 months	Per prescription: 60% of the fee	$350 a yearShared with Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs, Osteopathy
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Non-PBS prescription medicines, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs, Osteopathy
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs, Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs, Osteopathy
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Remedial massage, Chinese herbal medicine, Health management programs, Osteopathy
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Chinese herbal medicine, Health management programs, Osteopathy
Chinese herbal medicine	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Health management programs, Osteopathy
Health management programs	2 months	Health management program: 60% of the fee	$350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Osteopathy
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs

Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, Orthotics, Psychology, Dietetics, 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
$600 a year
Major dental, Root canal (endodontics)
$600 a year
Glasses and contact lenses
$200 a year
Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs, Osteopathy
$350 a year
Also includes other services not listed

Insurer's notes (original English)

Product features

Simple Options is our great-value Extras cover that offers a percentage back on the services included. It's ideal for singles, couples and families looking for a value packed cover that offers major and general dental, optical, podiatry consultations, pharmacy, chiro, physio, osteo, healthy lifestyle and ambulance services.

Other services

A 12-month waiting period applies to dental items: 322-324, 331, 595, and 596. Complementary Therapies sub-limit is $150 per person ($300 per couple or family membership). Benefits are claimable for 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. Healthy Lifestyle sub-limit is $150 per person ($300 per couple or family membership)). Benefits are claimable for approved health management, quit smoking or weight loss programs, health assessments, skin cancer screening (if not covered by Medicare), and exercise physiology. The limits detailed above are subject to a combined overall person limit of $350 ($700 per couple or family membership) for complementary therapies, chiro, healthy lifestyle, osteo, pharmacy, physio and podiatry consultations.

Special features

Optical benefit paid on frames and prescription optical items. Pharmacy benefit is payable after the current PBS patient co-payment is deducted. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only

Frequently asked questions

How much does Simple Options pay for a scale and clean?

According to government data, Simple Options pays 60% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $600 a year.

What are the waiting periods for Simple Options?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 2 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Acupuncture 2 months, Remedial massage 2 months, Chinese herbal medicine 2 months, Health management programs 2 months, Osteopathy 2 months.

Can Simple Options be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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