(before any rebate, loading or discount)
Covers only one person
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 exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with your insurer for details.
This policy does not provide benefits for travel or accommodation (outside of hospital).
| Blood | Palliative care | Sleep studies |
| Hospital psychiatric services | Rehabilitation |
| Assisted reproductive services | Ear, nose and throat | Lung and chest |
| Back, neck and spine | Eye (not cataracts) | Male reproductive system |
| Bone, joint and muscle | Gastrointestinal endoscopy | Miscarriage and termination of pregnancy |
| Brain and nervous system | Gynaecology | Pain management |
| Breast surgery (medically necessary) | Heart and vascular system | Pain management with device |
| Cataracts | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Dental surgery | Insulin pumps | Pregnancy and birth |
| Diabetes management (excluding insulin pumps) | Joint reconstructions | Skin |
| Dialysis for chronic kidney failure | Joint replacements | Tonsils, adenoids and grommets |
| Digestive system | Kidney and bladder | Weight loss surgery |
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 on admission. This is limited to a maximum of $750 per person and $750 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 waiting period for Accident Cover is 2 months. 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 | $500 per policy | Periodic oral examination - $33.00 Scale & clean - $61.00 Fluoride treatment - $22.00 Surgical tooth extraction - $100.00 |
| Major dental | 12 | $500 per policy (combined limit for major dental & endodontic - Sub-limits apply) | Full crown veneered - $500.00 |
| Endodontic | 12 | Filling of one root canal - $120.00 | |
| Optical | 6 | $220 per policy | Single vision lenses & frames - $220.00 Multi-focal lenses & frames - $220.00 |
| Physiotherapy | 2 | $400 per policy (combined limit for physiotherapy & exercise physiology) | Initial visit - $39.00 Subsequent visit - $39.00 |
| Chiropractic | 2 | $400 per policy (combined limit for chiropractic, acupuncture, remedial massage, chinese medicine & osteopathy) | Initial visit - $28.00 Subsequent visit - $28.00 |
| Acupuncture | 2 | Initial visit - $28.00 Subsequent visit - $28.00 | |
| Remedial massage | 2 | Initial visit - $28.00 Subsequent visit - $28.00 | |
| Chinese medicine | 2 | Initial visit - $28.00 Subsequent visit - $28.00 | |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $39.00 Subsequent visit - $39.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $28.00 Subsequent visit - $28.00 |
| Vaccinations | 2 | $175 per policy | Per service - $35.00 |
| Group physio/hydrotherapy session $18 per service. Flu vaccination 1 per calendar year $25 per service. Other eligible vaccines $35 per service. | |||
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Podiatry | |
| Non PBS pharmaceuticals | Psychology |
Pensioner Concession Card and Healthcare Card holders are entitled to free clinically necessary ambulance transport. If you are not eligible for a concession and want to be covered, you can purchase insurance from a private health insurer or take out a subscription with the state ambulance service (https://www.ambulance.vic.gov.au/membership).
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.