(before any rebate, loading or discount)
Covers 2 adults (and no-one else)
Available in Queensland
Closed to new members
# 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 does not provide accident cover or benefits for travel and accommodation (outside of hospital).
| Blood | Implantation of hearing devices | Assisted reproductive services |
| Bone, joint and muscle | Insulin pumps | Cataracts |
| Brain and nervous system | Joint reconstructions | Dialysis for chronic kidney failure |
| Breast surgery (medically necessary) | Kidney and bladder | Eye (not cataracts) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Male reproductive system | Heart and vascular system |
| Dental surgery | Miscarriage and termination of pregnancy | Hospital psychiatric services |
| Diabetes management (excluding insulin pumps) | Pain management | Joint replacements |
| Digestive system | Pain management with device | Lung and chest |
| Ear, nose and throat | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) | Palliative care |
| Gastrointestinal endoscopy | Skin | Pregnancy and birth |
| Gynaecology | Sleep studies | Rehabilitation |
| Hernia and appendix | Tonsils, adenoids and grommets |
| Back, neck and spine | Plastic and reconstructive surgery (medically necessary) | 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 $500 per person and $1000 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.
No waiting period applies for hospital treatment resulting from an accident.
https://www.peoplecare.com.au/siteassets/documents/CD/oms/mid-hospital-basic-plus---500-excess.pdf
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
Queensland residents don’t need to worry about ambulance travel in their states, as it’s free. Queensland residents are also covered by their state when travelling around Australia.
https://www.peoplecare.com.au/health-insurance/hospital-cover/ambulance
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.