(before any rebate, loading or discount)
Covers only one person
Available in Tasmania
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 or an insurer discount. Check with your insurer for details.
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).
| Assisted reproductive services | Eye (not cataracts) | Pain management |
| Back, neck and spine | Gastrointestinal endoscopy | Palliative care |
| Blood | Gynaecology | Plastic and reconstructive surgery (medically necessary) |
| Bone, joint and muscle | Heart and vascular system | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Brain and nervous system | Hernia and appendix | Pregnancy and birth |
| Breast surgery (medically necessary) | Implantation of hearing devices | Rehabilitation |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint reconstructions | Skin |
| Dental surgery | Kidney and bladder | Sleep studies |
| Diabetes management (excluding insulin pumps) | Lung and chest | Tonsils, adenoids and grommets |
| Digestive system | Male reproductive system | Hospital psychiatric services |
| Ear, nose and throat | Miscarriage and termination of pregnancy |
| Cataracts | Insulin pumps | Pain management with device |
| Dialysis for chronic kidney failure | Joint replacements | Weight loss surgery |
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 $750 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 | No annual limit (Sub-limits apply) | Periodic oral examination - $31.00 Scale & clean - $60.00 Fluoride treatment - $26.00 Surgical tooth extraction - $120.00 |
| Major dental | 12 | $2,650 per policy (Sub-limits apply) | Full crown veneered - $750.00 |
| Endodontic | 2 | No annual limit | Filling of one root canal - $110.00 |
| Orthodontic | 12 | $2,100 per policy $2,100 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - $2,100.00 |
| Optical | 6 | $300 per policy | Single vision lenses & frames - $300.00 Multi-focal lenses & frames - $300.00 |
| Non PBS pharmaceuticals | 2 | $500 per policy (combined limit for non pbs pharmaceuticals & vaccinations - Sub-limits apply) | Per eligible prescription - $65.00 |
| Physiotherapy | 2 | $550 per policy (combined limit for physiotherapy, exercise physiology, eye therapy (orthoptics), occupational therapy & other services - Sub-limits apply) | Initial visit - $50.00 Subsequent visit - $30.00 |
| Chiropractic | 2 | $550 per policy (combined limit for chiropractic & osteopathy - Sub-limits apply) | Initial visit - $45.00 Subsequent visit - $25.00 |
| Podiatry | 2 | $435 per policy (combined limit for podiatry, acupuncture, remedial massage & dietetics/dietary advice - Sub-limits apply) | Initial visit - $35.00 Subsequent visit - $25.00 |
| Psychology | 2 | $500 per policy (Sub-limits apply) | Initial visit - $120.00 Subsequent visit - $60.00 |
| Acupuncture | 2 | Combined limit - see Podiatry | Initial visit - $35.00 Subsequent visit - $25.00 |
| Remedial massage | 2 | Combined limit - see Podiatry | Initial visit - $35.00 Subsequent visit - $25.00 |
| Hearing aids | 24 | $1,500 per policy 1 appliance(s) every 5 years | Hearing aid - 80% of charge |
| Blood glucose monitors | 2 | $200 per policy 1 appliance(s) every 3 years (combined limit for blood glucose monitors & other services - Sub-limits apply) | Per monitor - $200.00 |
| Ante-natal/Post-natal classes | 2 | $150 per policy | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Dietetics/dietary advice | 2 | Combined limit - see Podiatry | Initial visit - $35.00 Subsequent visit - $25.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Eye therapy (orthoptics) | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 6 | $150 per policy | Health management - 100% of charge |
| Home nursing | 2 | $1,000 per policy | Initial visit - $45.00 Subsequent visit - $45.00 |
| Occupational therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $60.00 Subsequent visit - $35.00 |
| Orthotics (podiatric orthoses) | 2 | $250 per policy 1 appliance(s) every 2 years (Sub-limits apply) | Orthotics supply & fit - 80% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $45.00 Subsequent visit - $25.00 |
| Speech therapy | 2 | $800 per policy | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $65.00 |
| Other treatments - check with your insurer |
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.
Tasmanian residents don’t need to worry about ambulance travel in their state, as it’s free. This cover will include Ambulance transport whilst on the mainland for land, sea & air.
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.