(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 Victoria
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 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.
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).
| Dental surgery | Joint reconstructions | Hospital psychiatric services |
| Gynaecology | Miscarriage and termination of pregnancy | Palliative care |
| Hernia and appendix | Tonsils, adenoids and grommets | Rehabilitation |
| Assisted reproductive services | Digestive system | Male reproductive system |
| Back, neck and spine | Ear, nose and throat | Pain management |
| Blood | Eye (not cataracts) | Pain management with device |
| Bone, joint and muscle | Gastrointestinal endoscopy | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Heart and vascular system | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Pregnancy and birth |
| Cataracts | Insulin pumps | Skin |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint replacements | Sleep studies |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Weight loss surgery |
| Dialysis for chronic kidney failure | 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: You will have to pay an excess on 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 waiting period applies for hospital treatment resulting from an accident.
By using Peoplecare's 'preferred providers' you may have lower out of pocket costs on Dental and Optical treatments and have access to more 'no gap' treatments. A list of 'preferred providers' is available from Peoplecare. See https://peoplecare.com.au/Members/Providers/Other-health-providers.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $550 per person (combined limit for general dental & endodontic) | Periodic oral examination - 75% of charge Scale & clean - 75% of charge Fluoride treatment - 75% of charge Surgical tooth extraction - 75% of charge |
| Endodontic | 2 | Filling of one root canal - 75% of charge | |
| Optical | 6 | $180 per person | Single vision lenses & frames - $180.00 Multi-focal lenses & frames - $180.00 |
| Non PBS pharmaceuticals | 2 | $500 per person up to $1,000 per policy (combined limit for non pbs pharmaceuticals & vaccinations - Sub-limits apply) | Per eligible prescription - $50.00 |
| Physiotherapy | 2 | $450 per person up to $900 per policy (combined limit for physiotherapy, exercise physiology & other services - Sub-limits apply) | Initial visit - $50.00 Subsequent visit - $30.00 |
| Chiropractic | 2 | $450 per person up to $900 per policy (combined limit for chiropractic & osteopathy - Sub-limits apply) | Initial visit - $45.00 Subsequent visit - $25.00 |
| Podiatry | 2 | $350 per person up to $700 per policy (combined limit for podiatry, acupuncture & remedial massage - Sub-limits apply) | Initial visit - $35.00 Subsequent visit - $25.00 |
| Acupuncture | 2 | Initial visit - $35.00 Subsequent visit - $25.00 | |
| Remedial massage | 2 | Initial visit - $35.00 Subsequent visit - $25.00 | |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 6 | $125 per person up to $250 per policy | Health management - 100% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $45.00 Subsequent visit - $25.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $50.00 |
| Blood glucose monitors | Major dental | Psychology |
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
In Victoria this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Non-emergency: Unlimited transport with a waiting period of 1 day.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Unlimited Ambulance covers you Australia wide for land, sea and air transport.
https://www.peoplecare.com.au/health-insurance/hospital-cover/ambulance
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.