Choosing the right Extras cover can be a game-changer for your health and your wallet. Whether you're keeping up with regular dental checkups, fixing that nagging back pain, or gearing up for orthodontic treatment, having the right plan matters. But not all policies are created equal, and finding the best Extras cover in Australia can feel overwhelming. That’s where we come in.
At HIF, we make it simple to get the care you need without breaking the bank. From dental to physiotherapy, our Extras cover is tailored to fit your lifestyle, needs, and budget. With tiered options designed to give you the right balance between cost and benefits, you’re sure to find something that works. Wondering what’s included? Let’s dive in and break down exactly what HIF offers across its Extras cover plans, so you can find the best Extras cover in Australia for you and your loved ones.
Understanding Extras cover with HIF
Extras cover is all about peace of mind for the things Medicare doesn’t touch—like dental, physiotherapy, optical, and more. It’s designed to cover the services you use regularly, giving you better control over your out-of-pocket expenses.
At HIF, we go beyond just offering standard coverage—we offer flexibility. With our Extras cover, you can mix and match services to fit your unique health priorities. Need more dental but less physiotherapy? No worries. Looking for regular chiropractic care or optical coverage? You’ve got options.
Our Extras plans are tailored to your specific needs, so you’re only paying for what you actually use. It’s about providing you with smart, health cover that makes sense for your health and your wallet.
Key factors to consider when choosing Extras cover
Looking for the best Extras cover in Australia? When it comes to choosing the right policy for your needs, there are a few key factors to keep in mind. At HIF, we’ve designed our Extras cover to provide flexibility, value, and peace of mind, no matter what your healthcare needs look like.
Flexible coverage options
We understand that everyone’s health needs and budgets are different, which is why we offer a range of Extras cover levels. Whether you’re after basic dental and physio or need a more comprehensive package including optical and chiropractic, you can tailor your cover to suit your needs. Our plans are built to grow with you, so you can always adjust based on what’s most important to your health.
No-gap preventative dental care
One standout feature we’re proud to offer is our no-gap preventative dental care. With us, members can access essential dental services like check-ups and cleanings with no out-of-pocket expenses at participating providers. It’s just one of the ways we make sure your routine care doesn’t turn into a financial burden.
Annual limits & rollover benefits
We know how important it is to get the most from your cover, which is why our plans include generous annual limits. And if you don’t use all your benefits in a year, you may even be able to roll over unused portions to the following year. It’s all about ensuring you get the best possible value from your Extras cover.
Affordable Premiums
At the end of the day, the best Extras cover in Australia needs to be affordable, and we've got that covered too. Our plans are priced competitively, giving you access to the care you need without stretching your budget. With a combination of comprehensive coverage and affordable premiums, we make sure you're always getting excellent value.
HIF’s best Extras cover options for orthodontics and dental work
Keeping your smile healthy shouldn’t be a financial strain, and with our Extras cover, you can access substantial benefits for both general and major dental care. We’ve designed our plans to make it easier and more affordable for you to maintain great oral health, no matter what stage of life you’re in.
General dental
With HIF, our Extras cover includes routine dental care, such as check-ups, cleanings, and preventive treatments. These services are essential for maintaining healthy teeth and gums, and we make it simple to stay on top of them without breaking the bank. With us, you can look forward to coverage for regular visits, so your oral health stays in check all year round.
Major dental
For more extensive procedures, our Extras cover steps up. We offer coverage for major dental work, including root canals, crowns, bridges, and dentures. These treatments can be costly, but with our Extras cover, you’ll receive financial support that makes even the most involved dental care more accessible. This way, when unexpected dental issues arise, you can focus on getting the care you need, not the cost.
Orthodontic care
We understand that orthodontic care is a priority for many people, whether it’s for children or adults. Our Extras cover plans include options that provide benefits for orthodontic treatments like braces and aligners. This makes it easier for you or your family to get the corrective care needed for a straighter, healthier smile. With flexible coverage options available, we help reduce the financial pressure of orthodontics, giving you one less thing to worry about when it comes to your smile.
The best Extras cover for physiotherapy & chiropractic with HIF
Maintaining overall wellness and recovering from injuries shouldn’t come at a high cost. That’s why our Extras cover at HIF includes robust options for physiotherapy and chiropractic care, helping you stay on top of your health without worrying about the financial burden. Whether it’s recovering from an injury or staying proactive with your wellness, we’ve got you covered.
Physiotherapy benefits
Our Extras cover offers support for both preventative and rehabilitative physiotherapy sessions. Whether you need regular treatments to maintain mobility or you’re recovering from surgery or an injury, we’ve designed our plans to provide the financial support you need. You’ll be able to focus on your recovery and overall health without stressing over out-of-pocket costs.
Chiropractic benefits
Chiropractic care plays a key role in spinal health, posture correction, and overall body alignment. With our Extras cover, you’ll have access to benefits that cover spinal adjustments and holistic treatments. These therapies can improve your mobility and reduce discomfort, making it easier to manage chronic conditions or recover from physical strain. Our plans help ensure that you can get regular chiropractic care without the heavy price tag.
Wellness & preventative care
We believe in the importance of staying ahead when it comes to health. That’s why we also offer Extras cover that supports wellness programs and complementary therapies. By choosing the right level of cover, you’ll gain access to treatments and programs that help you maintain your health, reduce the risk of injuries, and manage stress. It’s not just about recovery—it's about maintaining your wellbeing.
At HIF, we understand how important it is for the best Extras cover in Australia to have flexibility. Whether you need more physiotherapy, chiropractic treatments, or a balance of both, you can tailor your cover to suit your personal health needs. This way, you only pay for the services you’re likely to use, making your health cover both effective and affordable. With HIF, you have the freedom to choose the best level of cover for your wellness journey.
How to maximise your HIF Extras cover benefits
Getting the most out of your Extras cover is all about knowing how to use it effectively. At HIF, we offer a range of benefits designed to support your health and wellness, but understanding how to make the most of them can help you get even greater value. Here are some practical tips to maximise your HIF Extras cover.
Use preventative services
One of the best ways to maximise your Extras cover is by staying on top of preventative care. Regular dental check-ups, cleanings, and other routine services can catch issues early before they become more serious (and expensive). By using the preventive dental care included in your HIF cover, you’ll not only protect your health but also avoid unexpected bills down the line. Staying proactive is key.
Track your benefits
It’s easy to lose track of what’s left in your annual limits, but with HIF’s online member portal, you can monitor everything in real-time. From dental to physiotherapy and more, you can keep an eye on how much of your cover you’ve used and what’s still available. This way, you can plan treatments and make sure you’re fully using your benefits before they expire. It’s a smart move that ensures you get the most out of your cover each year.
Participate in wellness programs
We believe the best Extras cover in Australia should include additional wellness benefits that go beyond typical healthcare. Think gym memberships, wellness programs, or complementarytherapies that support your overall health. If these are included in your plan, make sure to take advantage of them! Not only do they help keep you in peak condition, but they also stretch the value of your Extras cover even further.
Final thoughts on the best Extras cover in Australia
At HIF, we pride ourselves on delivering the best hospital and Extras cover. Whether you need the best Extras cover for singles or families, we have a plan for you. From dental and orthodontics to physiotherapy and chiropractic care, our Extras cover allows you to mix and match services, ensuring you only pay for what you’ll actually use.
With generous annual limits, gap-free preventive services, and the ability to track your benefits through our member portal, HIF gives you the tools to maximise your coverage and maintain your health. If you have any questions about finding the best Extras only cover for your needs, reach out to the friendly team today.
Please note: Kirsty's blog is general advice only.