(before any rebate or insurer discount)
Covers two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults)
Available in All States
# 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, students up to and including the age of 24 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
This health insurer does not operate a preferred provider scheme.
| Note, for items marked with an asterisk *: $350 benefit limit per person in the first year of membership. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $1,050 per person (combined limit for general dental, major dental, endodontic, orthodontic & other services - Sub-limits apply) $1,500 lifetime limit for Orthodontic | Periodic oral examination - $59.85 Scale & clean - $122.70 Fluoride treatment - $51.20 Surgical tooth extraction - $204.00 |
| Major dental* | 2 | Full crown veneered - $650.00 | |
| Endodontic* | 2 | Filling of one root canal - $199.80 | |
| Orthodontic* | 24 | Braces for upper & lower teeth, including removal plus fitting of retainer - $600.00 | |
| Optical | 6 | $185 per person | Single vision lenses & frames - $185.00 Multi-focal lenses & frames - $185.00 |
| Non PBS pharmaceuticals | 2 | $100 per person up to $200 per policy (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - $15.00 |
| Physiotherapy | 2 | $390 per person up to $780 per policy (combined limit for physiotherapy, exercise physiology & occupational therapy) | Initial visit - $27.00 Subsequent visit - $24.00 |
| Chiropractic | 2 | $390 per person up to $780 per policy (combined limit for chiropractic & osteopathy) | Initial visit - $25.00 Subsequent visit - $21.00 |
| Podiatry | 2 | $390 per person up to $780 per policy | Initial visit - $31.00 Subsequent visit - $27.00 |
| Hearing aids | 36 | $600 per person up to $1,200 per policy 1 appliance(s) every 5 years (combined limit for hearing aids, blood glucose monitors & other services - Sub-limits apply) | Hearing aid - $500.00 |
| Blood glucose monitors | 36 | Per monitor - $150.00 | |
| Dietetics/dietary advice | 2 | $390 per person up to $780 per policy | Initial visit - $28.00 Subsequent visit - $25.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $27.00 Subsequent visit - $24.00 |
| Eye therapy (orthoptics) | 2 | $390 per person up to $780 per policy | Initial visit - $27.00 Subsequent visit - $24.00 |
| Home nursing | 2 | $350 per person up to $700 per policy | Initial visit - $12.00 Subsequent visit - $12.00 |
| Occupational therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $27.00 Subsequent visit - $24.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $27.00 Subsequent visit - $24.00 |
| Speech therapy | 2 | $390 per person up to $780 per policy | Initial visit - $37.00 Subsequent visit - $34.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $15.00 |
| Refund on Ambulance Subscription - $40 for single policy/$80 for family policy. Health Aids & Appliances covered by this policy (combined limit & maximum benefits apply) – Blood Glucose Monitor - $150, Blood Pressure Monitor - $125, TENS Machine - $125, Nebuliser - $125, Constant Air Pressure monitor (CPAP) - $230, Hearing Aid - $500, Braces/Splints - up to $300, CAM Boot - up to $300, Artificial Limbs & Prosthesis -up to $300, Crutches/Walking Frame - up to $25, Wigs - up to $150, Compression Garments - up to $150. Waiting periods vary from one year to three years depending on appliance. Includes dentures - full set payable every 3 years. | |||
| Acupuncture | Remedial massage |
| Psychology | Other treatments - check with your insurer |
Foot orthotics benefits payable after 12 months waiting period - limit combined with podiatry. Members paying by direct debit will receive a 2.5% discount (cheque or savings account only). Contact the Fund for further details.
Ambulance cover is provided by the State government in Tasmania (https://www.health.tas.gov.au/ambulance/fees_and_accounts) and Queensland (https://www.ambulance.qld.gov.au/). In other states concession card holders may have free cover and there are subscription services in several states (https://privatehealth.gov.au/health_insurance/what_is_covered/ambulance.htm).
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.