(before any rebate, loading or discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in Tasmania
# 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 and other dependants up to and including the age of 21, students up to and including the age of 31, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
Membership of this insurer is restricted to Cover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families.
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).
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Sleep studies |
| Digestive system | Lung and chest | Tonsils, adenoids and grommets |
| Ear, nose and throat | Male reproductive system | Hospital psychiatric services |
| Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Assisted reproductive services | Dialysis for chronic kidney failure | Pregnancy and birth |
| Cataracts | Joint replacements | 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 of $500 per admission. This is limited to a maximum of $500 per person and $1000 per policy per year.
Excess payments do not apply to hospital admissions for dependants.
Co-payments: No co-payments
Waiting periods:
Covered as a private patient in a private hospital for any included services on your policy. Navy Health’s cover includes hospital accommodation fees, intensive care fees, theatre fees, and up to 100% of the Medicare Benefits Scheduled fee (MBS) for day admissions or overnight stays. For services that are listed as restricted, you are covered as a private patient in a public hospital. Any admission to a private hospital for a restricted service may result in significant out of pocket costs. For services that are listed as excluded, no benefits are payable.
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.
Core Silver+ Hospital is a hospital policy that offers you a great balance of coverage and price and is perfect for individuals or families with varying health needs. You are also covered for unlimited ambulance cover Australia-wide, which means you are not required to take out ambulance cover elsewhere.
https://navyhealth.com.au/core-silver-hospital-and-budget-extras-cover
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 person (combined limit for general dental & major dental) | Periodic oral examination - $28.00 Scale & clean - $50.00 Fluoride treatment - $15.60 |
| Major dental | 12 | Surgical tooth extraction - $102.00 | |
| Optical | 6 | $170 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $200 per person | Per eligible prescription - $50.00 |
| Physiotherapy | 2 | $300 per person | Initial visit - $37.00 Subsequent visit - $27.00 |
| Chiropractic | 2 | $300 per person up to $600 per policy (combined limit for chiropractic, osteopathy & other services) | Initial visit - $30.00 Subsequent visit - $22.00 |
| Acupuncture | 2 | $200 per person up to $400 per policy (combined limit for acupuncture, remedial massage, chinese medicine & exercise physiology) | Initial visit - $18.00 Subsequent visit - $18.00 |
| Remedial massage | 2 | Initial visit - $18.00 Subsequent visit - $18.00 | |
| Chinese medicine | 2 | Initial visit - $18.00 Subsequent visit - $18.00 | |
| Exercise physiology | 2 | Initial visit - $18.00 Subsequent visit - $18.00 | |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $30.00 Subsequent visit - $22.00 |
| Members can access special offers from any of Navy Health’s preferred optical providers: OPSM, Laubman & Pank, Specsavers, Teachers Eye Care, Eyebenefit and Q Optical Network (QON). General treatment benefit year runs from 1 July to 30 June. | |||
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Endodontic | Podiatry | |
| Hearing aids | Psychology |
Telehealth services available for Physiotherapy.
https://navyhealth.com.au/core-silver-hospital-and-budget-extras-cover
Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.
We cover 100% of the cost of ambulance services within Australia, provided it is provided by a state based run Ambulance service, by either air/sea or land. We do not provide benefits for privately run patient transport services.
https://navyhealth.com.au/core-silver-hospital-and-budget-extras-cover
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.