(before any rebate, loading or discount)
Covers only one person
Available in South Australia
# 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 is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Back, neck and spine | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Blood | Gastrointestinal endoscopy | Pain management |
| Bone, joint and muscle | Gynaecology | Pain management with device |
| Brain and nervous system | Heart and vascular system | Palliative care |
| Breast surgery (medically necessary) | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Cataracts | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Hospital psychiatric services |
| Ear, nose and throat | Male reproductive system |
| Assisted reproductive services | Pregnancy and birth | 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: No excess
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.
Also provides access to AIA Vitality, where you can earn rewards for leading a healthy lifestyle! https://www.aiavitality.com.au
Members can receive 2 x No Gap Dental on selected preventative dental services (excluded from dental limits) & lower treatment costs at smile.com.au dentists. See https://www.aia.com.au/en/products/health-insurance/find-a-provider.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $500 per policy (combined limit for general dental, major dental & endodontic) | Periodic oral examination - $30.00 Scale & clean - $51.00 Fluoride treatment - $22.00 |
| Major dental | 12 | Surgical tooth extraction - $111.00 Full crown veneered - $631.00 | |
| Endodontic | 12 | Filling of one root canal - $121.00 | |
| Optical | 6 | $250 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $100 per policy (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - $40.00 |
| Physiotherapy | 2 | $400 per policy (combined limit for physiotherapy & exercise physiology) | Initial visit - $40.00 Subsequent visit - $30.00 |
| Chiropractic | 2 | $300 per policy (combined limit for chiropractic & osteopathy) | Initial visit - $40.00 Subsequent visit - $30.00 |
| Podiatry | 2 | $200 per policy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Psychology | 2 | $300 per policy | Initial visit - $100.00 Subsequent visit - $50.00 |
| Acupuncture | 2 | $200 per policy (combined limit for acupuncture & remedial massage) | Initial visit - $35.00 Subsequent visit - $30.00 |
| Remedial massage | 2 | Initial visit - $35.00 Subsequent visit - $30.00 | |
| Blood glucose monitors | 12 | $250 per policy (combined limit for blood glucose monitors & orthotics (podiatric orthoses)) | Per monitor - $100.00 |
| Dietetics/dietary advice | 2 | $200 per policy | Initial visit - $40.00 Subsequent visit - $40.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 2 | $200 per policy | Health management - $50.00 |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Blood glucose monitors | Orthotics supply & fit - $100.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $45.00 Subsequent visit - $35.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $40.00 |
| Psychology benefit also includes cover for counselling services. Swimming lessons are covered under this policy. Benefit limit $100 per person, per year. Smoking cessation is covered under this policy. Benefit limit $200 per person, per year. | |||
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
In South Australia 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.
Cover for call-out fees where you're not taken to hospital are limited to 2 x ambulance attendances per insured person, per calendar year.
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.