(before any rebate or insurer discount)
Covers one adult & dependants (2 or more people, only one of whom is an adult)
Available in NSW & ACT
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 24, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
This health insurer does not operate a preferred provider scheme.
| Note, for items marked with an asterisk *: Non PBS Pharmaceuticals must be a private Schedule 4 or Schedule 8 and dispensed via a provider in private practice. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 2 | $1,500 per person (combined limit for general dental, major dental, endodontic, orthodontic & other services - Sub-limits apply) $1,900 lifetime limit for Orthodontic | Periodic oral examination - $36.65 Scale & clean - $68.25 Fluoride treatment - $21.45 |
| Major dental | 12 | Surgical tooth extraction - $118.60 Full crown veneered - $520.00 | |
| Endodontic | 12 | Filling of one root canal - $86.19 | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - $320.00 | |
| Optical | 6 | $170 per person | Single vision lenses & frames - 80% of charge Multi-focal lenses & frames - 80% of charge |
| Non PBS pharmaceuticals* | 2 | $250 per person up to $400 per policy (combined limit for non pbs pharmaceuticals & vaccinations - Sub-limits apply) | Per eligible prescription - $40.00 |
| Physiotherapy | 2 | $350 per person up to $600 per policy (combined limit for physiotherapy, occupational therapy & other services - Sub-limits apply) | Initial visit - $31.00 Subsequent visit - $21.00 |
| Chiropractic | 2 | $350 per person up to $600 per policy (combined limit for chiropractic, acupuncture, osteopathy & other services - Sub-limits apply) | Initial visit - $25.00 Subsequent visit - $17.00 |
| Podiatry | 2 | $400 overall limit for Podiatry, Orthotics (podiatric orthoses) and surgical podiatric items. Sub-limit applies per item for Orthotics. | Initial visit - $35.00 Subsequent visit - $35.00 |
| Psychology | 2 | $350 per person up to $600 per policy (Sub-limits apply) | Initial visit - $40.00 Subsequent visit - $25.00 |
| Acupuncture | 2 | Combined limit - see Chiropractic | Initial visit - $19.00 Subsequent visit - $17.00 |
| Hearing aids | 12 | $400 per person 1 appliance(s) every 3 years (Sub-limits apply) | Hearing aid - 80% of charge |
| Blood glucose monitors | 12 | $150 per policy 1 appliance(s) every 3 years | Per monitor - 100% of charge |
| Audiology | 2 | $400 per person (combined limit for audiology, eye therapy (orthoptics) & speech therapy) | Initial visit - $25.00 Subsequent visit - $20.00 |
| Dietetics/dietary advice | 2 | $350 per person (combined limit for dietetics/dietary advice & other services) | Initial visit - $56.00 Subsequent visit - $41.00 |
| Eye therapy (orthoptics) | 2 | Combined limit - see Audiology | Initial visit - $27.00 Subsequent visit - $21.00 |
| Occupational therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $31.00 Subsequent visit - $21.00 |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Podiatry | Orthotics supply & fit - 80% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $25.00 Subsequent visit - $17.00 |
| Speech therapy | 2 | Combined limit - see Audiology | Initial visit - $27.00 Subsequent visit - $21.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $40.00 |
| Remedial massage | Other treatments - check with your insurer |
An annual sub-limit up to $400 per person per calendar year applies for preventative dental. Rates discounted for premiums paid by direct debit. Sub-limit per item for Orthotics is 80% cost up to a maximum of $115.
Health Care Concession Card, Pensioner Concession Card, and Commonwealth Seniors Health Card holders are entitled to free ambulance transport services. If you are not eligible for a concession and want to be covered, you can purchase insurance from a private health fund.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.