HIF Special Options Health Insurance

This enhanced extras package covers you for the usual medical services in addition to optical and healthy lifestyle from as little as $1.19 a day.

HIF Special Options is a step up from Saver Options and suitable for families wanting a range of health cover including dental and higher benefits for optical and healthy lifestyle services. Cover starts at $1.19 per day. The Special Options policy is part of HIF's Extras Cover range, which are designed to supplement your existing private health insurance and ensure your family is 100% covered for any planned or unplanned medical treatment.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

What does HIF Special Options cover?

With HIF Special Options, you’re eligible for cover on:

  • Emergency ambulance transport (you will incur a $50 co-payment toward the cost of each service for non-urgent ambulance call out)
  • Chiropractic
  • Complementary therapies (acupuncture, naturopathy, remedial massage and more)
  • Dental (general)
  • Dental (major)
  • Dietetics
  • Healthy lifestyle (skin cancer screenings, weight loss programs, pilates, yoga and more)
  • Optical
  • Osteopathy
  • Pharmacy drugs
  • Physiotherapy
  • Podiatry consultations

What isn’t covered by HIF Special Options?

While HIF Special Options covers a broad range of medical services, it does not allow claims for things such as:

  • Ambulance transport from a hospital to your home, nursing home or other hospital (inter-hospital transfers relating to an emergency or new illness may be covered following approval from HIF)
  • Ambulance transport for ongoing medical treatment
  • Off-road or air ambulance services

Whats the waiting periods on claims under this policy?

Waiting periods are kept to a minimum with HIF Special Options cover. Provided you stay with this fund, you only have to wait:

  • 12 months for dental (general limited) and dental (major)
  • 2 months for all other services

Whose eligible?

This policy is open to anyone, although HIF Special Options is more suited to families or those wanting a more comprehensive level of Extras Cover for a higher price. If you don’t require this level of coverage you might want to check out the HIF Saver and Vital Options.

How do I make a claim?

  • Extras claims can be lodged instantly using your HIF member card if e-terminals are available at your health service provider.
  • Use the HIF SmartClaim app to lodge claims of up to $700 per day. The app is available on the App Store and Google Play.
  • Scan your completed claim form along with the relevant accounts and receipts and email them to claims@hif.com.au. The HIF claim form is available in PDF format here.
  • Fax your completed claim along with the relevant accounts and receipts to (08) 9328 1685. The HIF claim form is available in PDF format here.
  • If you need further assistance with lodging your claim you can call the HIF help line on 1300 134 060.


Q: What exactly is Extras Cover?

A: Extras cover is used to provide you with insurance on other useful medical services outside of your private health cover policy.

Q: How long do I have to lodge a claim under this policy?

A: All claims must be made within two years of the service being provided.

Q: Do I get any extra benefits from being insured under this policy?

A: As a part of the HIF Member Loyalty Program, your benefit limits will be refreshed at the start of each year. Additionally if you stay with HIF they will reward you with an increase to annual limits on a number of services.

Q: Are there any restrictions or increased wait times if I switch from a different health fund policy to the HIF Special Options?

A: HIF will honour the full length of your membership with your previous fund so you won't be burdened with any increased waiting periods. Furthermore you will be immediately eligible for loyalty benefits under the HIF Extras Loyalty Program.

Q: I want to use my HIF member card to lodge a claim but I'm not sure if my health service provider is e-terminal capable.

A: Contact your provider to find out if they have e-terminal facilities.

William Eve

Will is a personal finance writer for finder.com.au specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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