(before any rebate, loading or discount)
Covers only one person
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.
Membership of this insurer is restricted to Seventh-day Adventist Church employees, Local Church Officers and their families.
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).
| Bone, joint and muscle | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Brain and nervous system | Gastrointestinal endoscopy | Pain management |
| Breast surgery (medically necessary) | Gynaecology | Skin |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Hernia and appendix | Tonsils, adenoids and grommets |
| Diabetes management (excluding insulin pumps) | Joint reconstructions | Hospital psychiatric services |
| Digestive system | Kidney and bladder | Palliative care |
| Ear, nose and throat | Male reproductive system | Rehabilitation |
| Assisted reproductive services | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Back, neck and spine | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Blood | Insulin pumps | Pregnancy and birth |
| Cataracts | Joint replacements | Sleep studies |
| Dental surgery | Lung and chest | Weight loss surgery |
| Dialysis for chronic kidney failure | Pain management with device |
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 $500 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.
$500 excess per person per annum for adult non-dependents. For NSW & ACT residents only, Hospital cover includes ambulance cover for emergency (unlimited with no waiting period) and call-out fees (paid for each attendance, including emergency treatment without transport to hospital) in that state or territory only. No ambulance cover for excluded services.
https://acahealth.com.au/quote-details/?hospital=essentials&extras=lite
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 | 9 | $700 per policy (combined limit for general dental, major dental, endodontic & other services - Sub-limits apply) | Periodic oral examination - $100.00 Scale & clean - $100.00 Fluoride treatment - $100.00 |
| Major dental | 9 | Surgical tooth extraction - $168.00 Full crown veneered - $400.00 | |
| Endodontic | 9 | Filling of one root canal - $400.00 | |
| Optical | 4 | $200 per policy (combined limit for optical & other services) | Single vision lenses & frames - $200.00 Multi-focal lenses & frames - $200.00 |
| Non PBS pharmaceuticals | 2 | $250 per policy | Per eligible prescription - $50.00 |
| Physiotherapy | 2 | $300 per policy (combined limit for physiotherapy, chiropractic, podiatry, osteopathy & other services) | Initial visit - $37.50 Subsequent visit - $26.50 |
| Chiropractic | 2 | Initial visit - $25.00 Subsequent visit - $25.00 | |
| Podiatry | 2 | Initial visit - $25.00 Subsequent visit - $25.00 | |
| Acupuncture | 2 | $100 per policy (combined limit for acupuncture & remedial massage) | Initial visit - $20.00 Subsequent visit - $20.00 |
| Remedial massage | 2 | Initial visit - $20.00 Subsequent visit - $20.00 | |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - $25.00 Subsequent visit - $25.00 |
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Psychology |
https://acahealth.com.au/quote-details/?hospital=essentials&extras=lite
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.
https://acahealth.com.au/quote-details/?hospital=essentials&extras=lite
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.