Top 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 (24)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| No annual limit |
| Major dental | 12 months |
| $1,500 a yearShared with Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $1,500 a yearShared with Major dental |
| Orthodontics (braces) | 12 months |
| $1,000 a year |
| Glasses and contact lenses | 2 months |
| $300 a year |
| Non-PBS prescription medicines | 2 months |
| $400 a year |
| Physiotherapy | 2 months |
| $750 a yearShared with Exercise physiology |
| Chiropractic | 2 months |
| $550 a yearShared with Osteopathy |
| Podiatry | 2 months |
| $400 a year |
| Psychology | 2 months |
| $700 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 |
| $1,000 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 |
| $400 a year |
| Exercise physiology | 2 months |
| $750 a yearShared with Physiotherapy |
| Orthoptics | 2 months |
| $600 a yearShared with Occupational therapy, Speech therapy |
| Health management programs | 2 months |
| $150 a year |
| Home nursing | 2 months |
| $500 a year |
| Occupational therapy | 2 months |
| $600 a yearShared with Orthoptics, Speech therapy |
| Orthotics | 12 months |
| $250 a year |
| Osteopathy | 2 months |
| $550 a yearShared with Chiropractic |
| Speech therapy | 2 months |
| $600 a yearShared with Orthoptics, Occupational therapy |
Not covered: Audiology (hearing tests), Vaccinations, Antenatal and postnatal care
Annual limits
Services in the same group share one limit.
General dental
No annual limit
Major dental, Root canal (endodontics)
$1,500 a year
Orthodontics (braces)
$1,000 a year, $2,500 lifetime
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$400 a year
Also includes other services not listed
Physiotherapy, Exercise physiology
$750 a year
Also includes other services not listed
Chiropractic, Osteopathy
$550 a year
Podiatry
$400 a year
Psychology
$700 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$500 a year
Hearing aids
$1,000 a year, 1 per 3 years
Blood glucose monitors
$200 a year, 1 per 3 years
Also includes other services not listed
Dietetics
$400 a year
Orthoptics, Occupational therapy, Speech therapy
$600 a year
Health management programs
$150 a year
Home nursing
$500 a year
Orthotics
$250 a year
Insurer's notes (original English)
Product features
Top Extras is our top-level Extras cover. It includes larger benefits and higher limits and provides coverage for over 20 services such as Dental, Physio, Chiro, Podiatry, Complementary Therapies, Pharmacy, Psychology 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. A 12 month waiting period applies to IVF drugs. 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. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.
Frequently asked questions
How much does Top Extras pay for a scale and clean?
What are the waiting periods for Top Extras?
Can Top Extras be bought on its own?
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