(before any rebate or insurer discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in NSW & ACT
# 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) $2,400 lifetime limit for Orthodontic | Periodic oral examination - 65% of charge Scale & clean - 65% of charge Fluoride treatment - 65% of charge |
| Major dental | 12 | Surgical tooth extraction - 65% of charge Full crown veneered - 65% of charge | |
| Endodontic | 12 | Filling of one root canal - 65% of charge | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 65% of charge | |
| Optical | 6 | $200 per person | Single vision lenses & frames - 65% of charge Multi-focal lenses & frames - 65% of charge |
| Non PBS pharmaceuticals* | 2 | $250 per person up to $450 per policy (combined limit for non pbs pharmaceuticals & vaccinations - Sub-limits apply) | Per eligible prescription - 65% of charge |
| Physiotherapy | 2 | $400 per person up to $800 per policy (combined limit for physiotherapy & other services - Sub-limits apply) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Chiropractic | 2 | $300 per person up to $600 per policy (combined limit for chiropractic, osteopathy & other services - Sub-limits apply) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Podiatry | 2 | $250 per person (combined limit for podiatry & other services - Sub-limits apply) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Psychology | 2 | $350 per person up to $600 per policy (Sub-limits apply) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Acupuncture | 2 | $300 per person up to $600 per policy (combined limit for acupuncture & remedial massage) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Remedial massage | 2 | Initial visit - 65% of charge Subsequent visit - 65% of charge | |
| Hearing aids | 12 | $1,200 per person 1 appliance(s) every 3 years (Sub-limits apply) | Hearing aid - 65% of charge |
| Blood glucose monitors | 12 | $150 per policy 1 appliance(s) every 3 years | Per monitor - 65% of charge |
| Audiology | 2 | $400 per person | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Dietetics/dietary advice | 2 | $400 per person | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Eye therapy (orthoptics) | 2 | $400 per person (combined limit for eye therapy (orthoptics) & speech therapy) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Occupational therapy | 2 | $400 per person up to $800 per policy | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Orthotics (podiatric orthoses) | 2 | $200 per person up to $115 per service up to $400 per policy | Orthotics supply & fit - 65% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Speech therapy | 2 | Combined limit - see Eye therapy (orthoptics) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - 65% of charge |
| Other treatments - check with your insurer |
An annual sub-limit up to $400 p/p per calendar year applies for preventative dental. Rates discounted for direct debit.
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.