Extras-onlyClosed

Vital 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 (5)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 50% of the fee Scale and clean (114): 50% of the fee Fluoride (121): 50% of the fee Extraction (322): 50% of the fee	$800 a yearShared with Root canal (endodontics), Physiotherapy, Chiropractic, Osteopathy
Root canal (endodontics)	2 months	Root canal obturation (417): 50% of the fee	$800 a yearShared with General dental, Physiotherapy, Chiropractic, Osteopathy
Physiotherapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Root canal (endodontics), Chiropractic, Osteopathy
Chiropractic	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Root canal (endodontics), Physiotherapy, Osteopathy
Osteopathy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Root canal (endodontics), Physiotherapy, Chiropractic

Not covered: Major dental, Orthodontics (braces), Glasses and contact lenses, Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, Podiatry, Orthotics, Acupuncture, Chinese herbal medicine, Remedial massage, Psychology, Dietetics, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Root canal (endodontics), Physiotherapy, Chiropractic, Osteopathy
$800 a year
Also includes other services not listed

Insurer's notes (original English)

Product features

Just need cover for the essentials? No worries. Vital Options offers great-value, entry-level cover for singles and couples. It covers all those vital ‘general treatment’ services you might need, such as Chiro, Physio, Osteo and General dental, Ambulance plus some Endodontic and Periodontal items. With Vital Options, we’ll pay 50% for each treatment or service until you reach the $800 per person annual limit plus 100% for one emergency ambulance service per person per year.

Other services

A 12 month waiting period applies to dental items: 322-331, 595, and 596.

Special features

With a combined annual limit of $800 per person, per year, Vital Options gives you complete freedom to choose how you use your limit. Whether it’s for a quick check-up at the dentist or a couple of visits to your chiropractor, you can choose the services you’d like to use and we’ll pay back 50% on each service until you reach your maximum annual limit of $800.

Frequently asked questions

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

According to government data, Vital Options pays 50% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $800 a year.

What are the waiting periods for Vital Options?

General dental 2 months, Root canal (endodontics) 2 months, Physiotherapy 2 months, Chiropractic 2 months, Osteopathy 2 months.

Can Vital Options be bought on its own?

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

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching