(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 Queensland
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 covers children, students up to and including the age of 24 and non-students up to and including the age of 24, 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 provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Blood | Gastrointestinal endoscopy | Pain management |
| Bone, joint and muscle | Gynaecology | 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) | Hernia and appendix | Skin |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Implantation of hearing devices | Sleep studies |
| Dental surgery | Joint reconstructions | Tonsils, adenoids and grommets |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Hospital psychiatric services |
| Digestive system | Lung and chest | Palliative care |
| Ear, nose and throat | Male reproductive system | Rehabilitation |
| Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Assisted reproductive services | Dialysis for chronic kidney failure | Pain management with device |
| Back, neck and spine | Insulin pumps | Pregnancy and birth |
| Cataracts | 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 of $500 per admission. This is limited to a maximum of $500 per person and $1000 per policy per year.
Excess payments do not apply to hospital admissions for dependants.
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.
This health insurer does not operate a preferred provider scheme.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $500 per person | Periodic oral examination - $29.20 Scale & clean - $55.20 Fluoride treatment - $19.20 |
| Optical | 6 | $150 per person | Single vision lenses & frames - 80% of charge Multi-focal lenses & frames - $80.00 |
| Non PBS pharmaceuticals | 2 | $200 per person | Per eligible prescription - $30.00 |
| Physiotherapy | 2 | $250 per person | Initial visit - $40.00 Subsequent visit - $29.60 |
| Chiropractic | 2 | $250 per person (combined limit for chiropractic & osteopathy) | Initial visit - $32.00 Subsequent visit - $24.00 |
| Osteopathy* | 2 | Initial visit - $32.00 Subsequent visit - $24.00 |
| Acupuncture | Major dental | Remedial massage |
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Endodontic | Podiatry | |
| Hearing aids | Psychology |
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
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.