(before any rebate or insurer discount)
Covers one adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult)
Available in Victoria
# 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 30 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.
Membership of this insurer is restricted to current or former members of the ADF and the Defence community and their families.
Visit a network dentist for quality dental care at special member prices. Plus, network optical providers offer no-gap glasses and discounts on other optical purchases up to the optical limit. See https://www.defencehealth.com.au/Health-Insurance/Find-Providers-and-Hospitals.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $600 per person (combined limit for general dental, major dental & endodontic) | Periodic oral examination - $37.60 Scale & clean - $70.80 Fluoride treatment - $20.60 |
| Major dental | 12 | Surgical tooth extraction - $124.70 Full crown veneered - $600.00 | |
| Endodontic | 12 | Filling of one root canal - $117.40 | |
| Optical | 2 | $200 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $100 per person (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - $60.00 |
| Physiotherapy | 2 | $350 per person (combined limit for physiotherapy & exercise physiology) | Initial visit - $97.00 Subsequent visit - $79.00 |
| Chiropractic | 2 | $250 per person (combined limit for chiropractic & osteopathy) | Initial visit - $66.00 Subsequent visit - $43.00 |
| Psychology | 2 | $200 per person (combined limit for psychology & other services) | Initial visit - $200.00 Subsequent visit - $165.00 |
| Acupuncture | 2 | $200 per person (combined limit for acupuncture, remedial massage & other services) | Initial visit - $76.00 Subsequent visit - $62.00 |
| Remedial massage | 2 | Initial visit - $60.00 Subsequent visit - $52.00 | |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $77.00 Subsequent visit - $54.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $80.00 Subsequent visit - $65.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $60.00 |
| Myotherapy added to combined Remedial Massage and Acupuncture limit, initial consultation up to $68, subsequent consultation up to $58. Group Physiotherapy sessions up to $29 and Group Exercise Physiology sessions up to $18, both part of combined Physiotherapy and Exercise Physiology limit. Benefits covered for Online Cognitive Behavioural Therapy Courses, up to $50 per course combined with Psychology limit. | |||
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Podiatry |
Myotherapy added to combined Remedial Massage and Acupuncture limit. Group Physiotherapy sessions and Group Exercise Physiology both under combined Physiotherapy and Exercise Physiology limit. Benefits covered for Online Cognitive Behavioural Therapy Courses are covered under Psychology limit.
In Victoria this policy provides:
Emergency: Unlimited with a waiting period of 2 months.
Non-emergency: Unlimited transport with a waiting period of 2 months.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Comprehensive cover for ambulance services by state-appointed ambulance providers across Australia. This includes emergency services, non-emergency dispatch, mobile intensive care and air and sea ambulance services. Non-emergency services are those that are classed as clinically necessary; for example, you need to be monitored by a paramedic during transport. Patient transfer services and transport services by Patient Transport vehicles are not ambulance services and are not claimable.
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.