How $52.55 is worked out
- Premium as filed - $69.25 a month
- Government rebate - 24.1% of the premium (never of the loading): -$16.70
- A month - $52.55
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): $54.35; Scale and clean (item 114): $110.35; Fluoride treatment (item 121): $33.20 | $1,000 per policy a year (shared with other services) |
| Major dental | 12 months | Tooth extraction (item 322): $104.15; Crown (item 615): $684.65 | $1,000 per policy a year (shared with other services) |
| Root canal | 2 months | Root canal (item 417): $113.80 | $1,000 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): $1000.00 | $1,000 per policy a year (shared with other services) |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $80.00 | $200 per policy a year |
| Physiotherapy * | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $450 per policy a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $27.50; Follow-up visit: $27.50 | $450 per policy a year (shared with other services) |
| Podiatry * | 2 months | First visit: $32.00; Follow-up visit: $23.00 | $450 per policy a year (shared with other services) |
| Acupuncture * | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $450 per policy a year (shared with other services) |
| Remedial massage * | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $450 per policy a year (shared with other services) |
| Chinese herbal medicine * | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $450 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $36.00; Follow-up visit: $18.00 | $252 per policy a year |
| Health management programs | 2 months | Benefit: $75.00 | $75 per policy a year |
| Osteopathy * | 2 months | First visit: $27.50; Follow-up visit: $27.50 | $450 per policy a year (shared with other services) |
Not covered: Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Exercise physiology, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* Optical benefit paid on frames and prescription optical items. The limits detailed below are subject to a combined overall person limit of $450 ($900 per couple or family membership) for complementary therapies, chiro, osteo, physio and podiatry consultations. Our Complementary Therapies sub-limit $200 per person ($400 per couple or family membership) 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.
Other services, as filed: A 12 month waiting period applies to dental items: 322-324, 331, 595, and 596. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply. 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 Special 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.
Special Options includes all those essential services like dental, optical, podiatry, chiro, pharmacy, physio, ambulance and more. It’s a step up from Saver Options, covering those more complex ‘major’ dental services like orthodontics, crowns and bridges. It also offers bigger benefits for services like optical, chiro and physio.
Ambulance
Emergency and non-emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $146.60 |
| NSW | My family | None | $146.60 |
| NSW | Just me | None | $73.30 |
| NSW | Me and my children | None | $146.60 |
| NT | Me and my partner | None | $127.80 |
| NT | My family | None | $127.80 |
| NT | Just me | None | $63.90 |
| NT | Me and my children | None | $127.80 |
| QLD | Me and my partner | None | $135.00 |
| QLD | My family | None | $135.00 |
| QLD | Just me | None | $67.50 |
| QLD | Me and my children | None | $135.00 |
| SA | Me and my partner | None | $138.50 |
| SA | My family | None | $138.50 |
| SA | Just me | None | $69.25 |
| SA | Me and my children | None | $138.50 |
| TAS | Me and my partner | None | $128.50 |
| TAS | My family | None | $128.50 |
| TAS | Just me | None | $64.25 |
| TAS | Me and my children | None | $128.50 |
| VIC | Me and my partner | None | $140.50 |
| VIC | My family | None | $140.50 |
| VIC | Just me | None | $70.25 |
| VIC | Me and my children | None | $140.50 |
| WA | Me and my partner | None | $129.10 |
| WA | My family | None | $129.10 |
| WA | Just me | None | $64.55 |
| WA | Me and my children | None | $129.10 |
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement A1/SARY10, filed by Health Insurance Fund of Australia Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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