(before any rebate or insurer discount)
Covers one adult & dependants (2 or more people, only one of whom is an adult)
Available in Victoria
Closed to new members
# 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.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 24, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
This health insurer does not operate a preferred provider scheme.
| Note, for items marked with an asterisk *: *100% benefit available on preventative dental services– includes items 012, 013, 111, 114, 115, 121, 161. Claimable once per appointment, up to twice per person per calendar year. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | No annual limit | Periodic oral examination - 100% of charge Scale & clean - 100% of charge Fluoride treatment - 100% of charge |
| Major dental | 12 | $1,000 per person (combined limit for major dental & endodontic) | Surgical tooth extraction - 70% of charge Full crown veneered - 70% of charge |
| Endodontic | 12 | Filling of one root canal - 70% of charge | |
| Orthodontic | 12 | $1,000 per person $2,600 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - 70% of charge |
| Optical | 6 | $300 per person | Single vision lenses & frames - 70% of charge Multi-focal lenses & frames - 70% of charge |
| Non PBS pharmaceuticals | 2 | $300 per person (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - 70% of charge |
| Physiotherapy | 2 | $1,000 per person (combined limit for physiotherapy, chiropractic, acupuncture, remedial massage, exercise physiology & osteopathy - Sub-limits apply) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Chiropractic | 2 | Initial visit - 70% of charge Subsequent visit - 70% of charge | |
| Podiatry | 2 | $400 per person | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Psychology | 2 | $800 per person (combined limit for psychology, eye therapy (orthoptics), occupational therapy & speech therapy - Sub-limits apply) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Acupuncture | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Remedial massage | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Hearing aids | 12 | $2,000 per person (combined limit for hearing aids & other services - Sub-limits apply) | Hearing aid - 70% of charge |
| Blood glucose monitors | 12 | $600 per person (combined limit for blood glucose monitors & other services - Sub-limits apply) | Per monitor - 70% of charge |
| Dietetics/dietary advice | 2 | $400 per person (combined limit for dietetics/dietary advice, health management / healthy lifestyle & other services) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Eye therapy (orthoptics) | 2 | Combined limit - see Psychology | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Health management / Healthy lifestyle | 2 | Combined limit - see Dietetics/dietary advice | Health management - 70% of charge |
| Occupational therapy | 2 | Combined limit - see Psychology | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Orthotics (podiatric orthoses) | 2 | $400 per person | Orthotics supply & fit - 70% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Speech therapy | 2 | Combined limit - see Psychology | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - 70% of charge |
| *$500 sublimit for Physiotherapy/ Myotherapy & Exercise Physiology; $500 sublimit for Chiropractic, Osteopathy, Remedial Massage & Acupuncture; up to overall combined limit of $1000. *$400 sublimit per modality for Mental Health (including Psychology & Counselling), Speech Therapy, Eye Therapy, Occupational Therapy; up to overall combined limit of $800. *Hearing Aids benefit claimable once every 3 years and includes repairs). *Aids to Recovery (including Blood Glucose monitors) have a sublimit of $200 per item, up to overall limit of $600 every 2 years. *Non PBS Pharmaceuticals benefit applies after PBS co-payment is applied. | |||
| Other treatments - check with your insurer |
In Victoria this policy provides:
Emergency: with a waiting period of 1 day, limited to $2,000 per person per year.
Non-emergency: transport with a waiting period of 1 day, or 1 day for pre-existing conditions, limited to $2,000 per person per year.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
70% benefit for Emergency & Non-emergency Ambulance up to overall limit of $2000 per 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.