(before any rebate, loading or discount)
Covers two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults)
Available in Victoria
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or an insurer discount. Check with your insurer for details.
This policy covers children, students up to and including the age of 31 and non-students up to and including the age of 31, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
This policy does not provide accident cover.
| Back, neck and spine | Ear, nose and throat | Male reproductive system |
| Blood | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Bone, joint and muscle | Gastrointestinal endoscopy | Pain management |
| Brain and nervous system | Gynaecology | Palliative care |
| Breast surgery (medically necessary) | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Cataracts | Hernia and appendix | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Implantation of hearing devices | Skin |
| Dental surgery | Joint reconstructions | Sleep studies |
| Diabetes management (excluding insulin pumps) | Joint replacements | Tonsils, adenoids and grommets |
| Dialysis for chronic kidney failure | Kidney and bladder | Hospital psychiatric services |
| Digestive system | Lung and chest | Rehabilitation |
| Assisted reproductive services | Pain management with device | Weight loss surgery |
| Insulin pumps | Pregnancy and birth |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $250 per admission. This is limited to a maximum of $250 per person and $500 per policy per year.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
The excess does not apply to any dependants under the age of 18.
This health insurer does not operate a preferred provider scheme.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $1,100 per person (Sub-limits apply) | Periodic oral examination - $39.00 Scale & clean - $72.00 Fluoride treatment - $28.00 Surgical tooth extraction - $120.00 |
| Major dental | 12 | $1,650 per person (combined limit for major dental, endodontic & orthodontic - Sub-limits apply) | Full crown veneered - $600.00 |
| Endodontic | 12 | Filling of one root canal - $145.00 | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - $600.00 | |
| Optical | 6 | $240 per person | Single vision lenses & frames - $240.00 Multi-focal lenses & frames - $240.00 |
| Non PBS pharmaceuticals | 2 | $700 per person (Sub-limits apply) | Per eligible prescription - $75.00 |
| Physiotherapy | 2 | $700 per person (combined limit for physiotherapy & exercise physiology) | Initial visit - $60.00 Subsequent visit - $60.00 |
| Chiropractic | 2 | $500 per person (combined limit for chiropractic, acupuncture, remedial massage, chinese medicine & osteopathy) | Initial visit - $37.00 Subsequent visit - $37.00 |
| Podiatry | 2 | $1,000 per person (combined limit for podiatry, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses) & speech therapy - Sub-limits apply) | Initial visit - $40.00 Subsequent visit - $40.00 |
| Psychology | 2 | $250 per person | Initial visit - $60.00 Subsequent visit - $60.00 |
| Acupuncture | 2 | Combined limit - see Chiropractic | Initial visit - $37.00 Subsequent visit - $37.00 |
| Remedial massage | 2 | Combined limit - see Chiropractic | Initial visit - $37.00 Subsequent visit - $37.00 |
| Hearing aids | 36 | $1,600 per person 2 appliance(s) every 3 years (Sub-limits apply) | Hearing aid - $800.00 |
| Blood glucose monitors | 12 | $300 per person 1 appliance(s) every 3 years (Sub-limits apply) | Per monitor - $300.00 |
| Audiology | 2 | $200 per person | Initial visit - $33.00 Subsequent visit - $33.00 |
| Chinese medicine | 2 | Combined limit - see Chiropractic | Initial visit - $37.00 Subsequent visit - $37.00 |
| Dietetics/dietary advice | 2 | Combined limit - see Podiatry | Initial visit - $33.00 Subsequent visit - $33.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $60.00 Subsequent visit - $60.00 |
| Eye therapy (orthoptics) | 2 | Combined limit - see Podiatry | Initial visit - $30.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 2 | $300 per person (Sub-limits apply) | Health management - $120.00 |
| Home nursing | 2 | $500 per person | Initial visit - $40.00 Subsequent visit - $40.00 |
| Occupational therapy | 2 | Combined limit - see Podiatry | Initial visit - $33.00 Subsequent visit - $33.00 |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Podiatry | Orthotics supply & fit - $200.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $37.00 Subsequent visit - $37.00 |
| Speech therapy | 2 | Combined limit - see Podiatry | Initial visit - $33.00 Subsequent visit - $33.00 |
| Vaccinations | 2 | $250 per person up to $500 per policy (Sub-limits apply) | Per service - $75.00 |
| Group physio/hydrotherapy session $18 per service. Flu vaccination 1 per calendar year $25 per service. Other eligible vaccines $75 per service. For eligible medicinal cannabis prescriptions a 12 month waiting period applies | |||
| Other treatments - check with your insurer |
In Victoria this policy provides:
Emergency: Unlimited with a waiting period of 2 months.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
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.