(before any rebate or insurer discount)
Covers only one person
Available in Queensland
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
By using our FirstChoice providers, you may have lower out-of-pocket costs on many allied health services. A list of "preferred providers" is available from the health insurer. See https://health.ing.com.au/find-a-provider.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $1,000 per policy | Periodic oral examination - 75% of charge Scale & clean - 75% of charge Fluoride treatment - 75% of charge |
| Major dental | 12 | $1,200 per policy (combined limit for major dental & endodontic) | Surgical tooth extraction - 75% of charge Full crown veneered - 75% of charge |
| Endodontic | 12 | Filling of one root canal - 75% of charge | |
| Orthodontic | 12 | $800 per policy $2,500 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - 75% of charge |
| Optical | 6 | $300 per policy | Single vision lenses & frames - 75% of charge Multi-focal lenses & frames - 75% of charge |
| Non PBS pharmaceuticals* | 2 | $450 per policy | Per eligible prescription - 75% of charge |
| Physiotherapy | 2 | $500 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Chiropractic | 2 | $400 per policy (combined limit for chiropractic & osteopathy) | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Podiatry | 2 | $400 per policy (combined limit for podiatry & orthotics (podiatric orthoses)) | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Psychology | 2 | $400 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Acupuncture | 2 | $200 per policy (combined limit for acupuncture, chinese medicine & other services) | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Remedial massage | 2 | $200 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Hearing aids | 36 | $1,200 per policy 2 appliance(s) every 5 years (combined limit for hearing aids & other services) | Hearing aid - 75% of charge |
| Blood glucose monitors | 12 | $400 per policy 1 appliance(s) every 1 year (combined limit for blood glucose monitors & other services) | Per monitor - 75% of charge |
| Ante-natal/Post-natal classes | 2 | $250 per policy | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Dietetics/dietary advice | 2 | $350 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Exercise physiology | 2 | $250 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Eye therapy (orthoptics) | 2 | $200 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Health management / Healthy lifestyle | 6 | $200 per policy | Health management - 75% of charge |
| Home nursing | 2 | $200 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Occupational therapy | 2 | $300 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Podiatry | Orthotics supply & fit - 75% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Speech therapy | 2 | $300 per policy | Initial visit - 75% of charge Subsequent visit - 75% of charge |
| Preventative Tests - $200 limit per person per calendar year (waiting period 6 months): 75% back on preventative health test for thin prep, bone density testing and bowel screening (service limits apply). Health aids - premium - $400 limit per person per calendar year (waiting period 12 months): 75% back on health aids e.g. shoulder braces, knee braces, splints, spacer, peak flow meter, nebuliser, Irlen lens, blood glucose monitor, macular degeneration aids and compression garments (service limits apply). Myotherapy: combined limit of $200 with acupuncture and Chinese herbalism. Speech Processor: combined limit with Hearing aids of $1,200 per person per calendar year (waiting period 36 months, service limits apply). Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer). Orthotics (podiatric orthoses) - service limits of 2 Single or 1 Pair per Person per Year apply. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). | |||
| Other treatments - check with your insurer |
A comprehensive range of services for peace of mind. Of course, you can see your choice of provider, but by choosing a FirstChoice provider, you may have less to pay towards the cost of your treatment. We’ve created the FirstChoice network to help you access quality healthcare and a better deal for you and your family. We’ve locked in lower costs with our FirstChoice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
Emergency ambulance costs are covered by the state government for residents of Queensland.
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.