(before any rebate or insurer discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
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 (no limit on preventative dental) (combined limit for general dental & other services) | Periodic oral examination - $36.50 Scale & clean - $69.00 Fluoride treatment - $24.00 |
| Major dental | 12 | $2,000 per person (combined limit for major dental & other services - Sub-limits apply) | Surgical tooth extraction - $160.00 Full crown veneered - $875.00 |
| Endodontic | 2 | $800 per person | Filling of one root canal - $170.00 |
| Orthodontic | 12 | $1,200 per person $2,400 lifetime limit (Sub-limits apply) | Braces for upper & lower teeth, including removal plus fitting of retainer - 80% of charge |
| Optical | 6 | $310 per person | Single vision lenses & frames - 80% of charge Multi-focal lenses & frames - 80% of charge |
| Non PBS pharmaceuticals | 2 | $500 per person (combined limit for non pbs pharmaceuticals & vaccinations - Sub-limits apply) | Per eligible prescription - $70.00 |
| Physiotherapy | 2 | $800 per person (combined limit for physiotherapy, remedial massage, exercise physiology & other services - Sub-limits apply) | Initial visit - $50.00 Subsequent visit - $37.00 |
| Chiropractic | 2 | $450 per person (combined limit for chiropractic, acupuncture, osteopathy & other services) | Initial visit - $40.00 Subsequent visit - $30.00 |
| Podiatry | 2 | $400 per person (combined limit for podiatry & orthotics (podiatric orthoses)) | Initial visit - $44.00 Subsequent visit - $34.00 |
| Psychology | 2 | $500 per person (combined limit for psychology & other services) | Initial visit - $75.00 Subsequent visit - $75.00 |
| Acupuncture | 2 | Combined limit - see Chiropractic | Initial visit - $25.00 Subsequent visit - $25.00 |
| Remedial massage | 2 | Combined limit - see Physiotherapy | Initial visit - $32.00 Subsequent visit - $25.00 |
| Hearing aids | 12 | $1,700 per person 2 appliance(s) every 5 years (Sub-limits apply) | Hearing aid - $900.00 |
| Blood glucose monitors | 2 | $900 per person (combined limit for blood glucose monitors & other services) | Per monitor - 80% of charge |
| Dietetics/dietary advice | 2 | $300 per person | Initial visit - $60.00 Subsequent visit - $40.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Eye therapy (orthoptics) | 2 | $500 per person (combined limit for eye therapy (orthoptics), occupational therapy & speech therapy - Sub-limits apply) | Initial visit - $45.00 Subsequent visit - $44.00 |
| Health management / Healthy lifestyle | 2 | $150 per person (combined limit for health management / healthy lifestyle & other services) | Health management - 80% of charge |
| Home nursing | 2 | $500 per person (Sub-limits apply) | Initial visit - $15.00 Subsequent visit - $15.00 |
| Occupational therapy | 2 | Combined limit - see Eye therapy (orthoptics) | Initial visit - $60.00 Subsequent visit - $40.00 |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Podiatry | Orthotics supply & fit - 80% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $40.00 Subsequent visit - $30.00 |
| Speech therapy | 2 | Combined limit - see Eye therapy (orthoptics) | Initial visit - $85.00 Subsequent visit - $45.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $70.00 |
| **Overall Major Dental limit $2000, with Sub Limits of $1000 for Inlays, Onlays & Veneers; $1000 for Crowns & Bridges; $1000 for Implants and $1000 for Dentures. Orthodontics limit of $1200 per person per year, up to Lifetime Limit of $2400. | |||
| Other treatments - check with your insurer |
In Victoria this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Non-emergency: Unlimited transport with a waiting period of 1 day, or 1 day for pre-existing conditions.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
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.