(before any rebate, loading or discount)
Covers only one person
Available in NSW & ACT
Closed to new members
# 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 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).
| Bone, joint and muscle | Gynaecology | Sleep studies |
| Dental surgery | Hernia and appendix | Tonsils, adenoids and grommets |
| Ear, nose and throat | Joint reconstructions | Hospital psychiatric services |
| Eye (not cataracts) | Male reproductive system | Palliative care |
| Gastrointestinal endoscopy | Miscarriage and termination of pregnancy | Rehabilitation |
| Assisted reproductive services | Dialysis for chronic kidney failure | Pain management |
| Back, neck and spine | Digestive system | Pain management with device |
| Blood | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Insulin pumps | Pregnancy and birth |
| Cataracts | Joint replacements | Skin |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Kidney and bladder | Weight loss surgery |
| Diabetes management (excluding insulin pumps) | Lung and chest |
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: No excess
Co-payments: Every time you go to hospital you will have to pay:
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.
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 | $350 per policy (combined limit for general dental, major dental & endodontic) | Periodic oral examination - $25.00 Scale & clean - $50.00 Fluoride treatment - $16.00 |
| Major dental | 12 | Surgical tooth extraction - $118.00 Full crown veneered - $350.00 | |
| Endodontic | 12 | Filling of one root canal - $123.00 | |
| Optical | 6 | $180 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy | 2 | $300 per policy (combined limit for physiotherapy, chiropractic, psychology, remedial massage, osteopathy, vaccinations & other services) | Initial visit - $37.00 Subsequent visit - $24.00 |
| Chiropractic | 2 | Initial visit - $33.00 Subsequent visit - $20.00 | |
| Psychology | 2 | Initial visit - $57.00 Subsequent visit - $42.00 | |
| Remedial massage | 2 | Initial visit - $18.00 Subsequent visit - $18.00 | |
| Osteopathy | 2 | Initial visit - $33.00 Subsequent visit - $20.00 | |
| Vaccinations | 2 | Per service - $25.00 | |
| Vaccinations: Travel vaccinations only | |||
| Acupuncture | Non PBS pharmaceuticals | Other treatments - check with your insurer |
| Blood glucose monitors | Orthodontic | |
| Hearing aids | Podiatry |
Also includes cover for Osteopathy, Psychology, Counselling and Travel Vaccinations. Includes a bonus feature that helps you to claim higher amounts for your claims till it has been exhausted. Annual limits increase in Year 3.
In NSW & ACT this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
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.