How $229.35 is worked out
- Premium as filed - $302.25 a month
- Government rebate - 24.1% of the premium (never of the loading): -$72.90
- A month - $229.35
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; Tooth extraction (item 322): $165.15 | no yearly limit |
| Major dental * | 12 months | Crown (item 615): $911.85 | $1,500 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $155.00 | $1,500 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $1,000 per person a year, $2,500 lifetime |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $300 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $80.00 | $400 per person a year |
| Physiotherapy | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $750 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $550 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $400 per person a year |
| Psychology | 2 months | First visit: $90.00; Follow-up visit: $90.00 | $700 per person a year |
| Acupuncture | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $500 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $500 per person a year (shared with other services) |
| Hearing aids | 12 months | Hearing aid: 100% back | $1,000 per person a year, 1 appliance every 3 years |
| Blood glucose monitors | 12 months | Blood: 75% back | $200 per person a year, 1 appliance every 3 years |
| Chinese herbal medicine | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $500 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $400 per person a year |
| Exercise physiology | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $750 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $600 per person a year (shared with other services) |
| Health management programs | 2 months | Benefit: 100% back | $150 per person a year |
| Home nursing | 2 months | First visit: $100.00; Follow-up visit: $100.00 | $500 per person a year |
| Occupational therapy | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $600 per person a year (shared with other services) |
| Orthotics | 12 months | Benefit: 75% back | $250 per person a year |
| Osteopathy | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $550 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $65.00; Follow-up visit: $65.00 | $600 per person a year (shared with other services) |
Not covered: Audiology, Antenatal and postnatal, Vaccinations.
* 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.
Other services, as filed: 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.
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.
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 | $301.40 |
| NSW | My family | None | $308.95 |
| NSW | Just me | None | $150.70 |
| NSW | Me and my children | None | $301.40 |
| NT | Me and my partner | None | $241.50 |
| NT | My family | None | $247.55 |
| NT | Just me | None | $120.75 |
| NT | Me and my children | None | $241.50 |
| QLD | Me and my partner | None | $297.00 |
| QLD | My family | None | $304.45 |
| QLD | Just me | None | $148.50 |
| QLD | Me and my children | None | $297.00 |
| SA | Me and my partner | None | $294.90 |
| SA | My family | None | $302.25 |
| SA | Just me | None | $147.45 |
| SA | Me and my children | None | $294.90 |
| TAS | Me and my partner | None | $269.90 |
| TAS | My family | None | $276.65 |
| TAS | Just me | None | $134.95 |
| TAS | Me and my children | None | $269.90 |
| VIC | Me and my partner | None | $301.40 |
| VIC | My family | None | $308.95 |
| VIC | Just me | None | $150.70 |
| VIC | Me and my children | None | $301.40 |
| WA | Me and my partner | None | $264.70 |
| WA | My family | None | $271.30 |
| WA | Just me | None | $132.35 |
| WA | Me and my children | None | $264.70 |
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 A12/SBVU2D, 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.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.