(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, 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 does not provide accident cover or benefits for travel and accommodation (outside of hospital).
| Back, neck and spine | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Blood | Gastrointestinal endoscopy | Pain management |
| Bone, joint and muscle | Gynaecology | Palliative care |
| Brain and nervous system | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hernia and appendix | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Implantation of hearing devices | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Sleep studies |
| Digestive system | Lung and chest | Tonsils, adenoids and grommets |
| Ear, nose and throat | Male reproductive system | Hospital psychiatric services |
| Assisted reproductive services | Insulin pumps | Pregnancy and birth |
| Cataracts | Joint replacements | 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 $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 | $750 per policy | Periodic oral examination - 60% of charge Scale & clean - 60% of charge Fluoride treatment - 60% of charge Surgical tooth extraction - 60% of charge |
| Major dental | 12 | $500 per policy (combined limit for major dental & endodontic) | Full crown veneered - 60% of charge |
| Endodontic | 12 | Filling of one root canal - 60% of charge | |
| Optical | 6 | $200 per policy | Single vision lenses & frames - $200.00 Multi-focal lenses & frames - $200.00 |
| Non PBS pharmaceuticals | 2 | $300 per policy (combined limit for non pbs pharmaceuticals & vaccinations - Sub-limits apply) | Per eligible prescription - $60.00 |
| Physiotherapy | 2 | $350 per policy (combined limit for physiotherapy, exercise physiology, eye therapy (orthoptics), occupational therapy & other services) | Initial visit - $45.00 Subsequent visit - $45.00 |
| Chiropractic | 2 | $350 per policy (combined limit for chiropractic & osteopathy) | Initial visit - $45.00 Subsequent visit - $45.00 |
| Podiatry | 2 | $200 per policy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Acupuncture | 2 | $300 per policy (combined limit for acupuncture, remedial massage, chinese medicine, dietetics/dietary advice & other services) | Initial visit - $40.00 Subsequent visit - $40.00 |
| Remedial massage | 2 | Initial visit - $40.00 Subsequent visit - $40.00 | |
| Chinese medicine | 2 | Initial visit - $40.00 Subsequent visit - $40.00 | |
| Dietetics/dietary advice | 2 | Initial visit - $40.00 Subsequent visit - $40.00 | |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Eye therapy (orthoptics) | 2 | Combined limit - see Physiotherapy | Initial visit - $43.00 Subsequent visit - $33.00 |
| Health management / Healthy lifestyle | 6 | $150 per policy | Health management - 60% of charge |
| Occupational therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $43.00 Subsequent visit - $33.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $45.00 Subsequent visit - $45.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $60.00 |
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Psychology |
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.