(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 Northern Territory
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount 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 accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Bone, joint and muscle | Kidney and bladder | Hospital psychiatric services |
| Dental surgery | Lung and chest | Palliative care |
| Diabetes management (excluding insulin pumps) | Miscarriage and termination of pregnancy | Rehabilitation |
| Hernia and appendix | Skin | |
| Joint reconstructions | Tonsils, adenoids and grommets |
| Assisted reproductive services | Ear, nose and throat | Pain management |
| Back, neck and spine | Eye (not cataracts) | Pain management with device |
| Blood | Gastrointestinal endoscopy | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Gynaecology | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Heart and vascular system | Pregnancy and birth |
| Cataracts | Implantation of hearing devices | Sleep studies |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Weight loss surgery |
| Dialysis for chronic kidney failure | Joint replacements | |
| Digestive system | Male reproductive system |
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 $750 per admission. This is limited to a maximum of $750 per person and $1500 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 excess applies for Dependent Children up to and including 21 years
https://www.queenslandcountry.health/siteassets/product-factsheet-download/budget.pdf
In Northern Territory this policy provides:
Emergency: with a waiting period of 1 day, limited to 1 services per year.
Call-out fees: will not be paid.
This product provides Australia wide cover for one emergency ambulance transport service or on-the-spot emergency treatment per person per Membership Year . Other conditions apply – for more information please visit https://www.queenslandcountry.health/cover-options/ambulance-cover/.
https://www.queenslandcountry.health/cover-options/ambulance-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.