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Defence Health Limited

Lifestyle Extras

Restricted Insurer

$72.00 / month

(Before Rebate, Discount & Loading)

Available in NT

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: Only one person.

Restricted insurer: Membership of this insurer is restricted to current or former members of the ADF and the Defence community and their families.

Policy ID: AHB/I9/DLVO10

Source: Private Health Information Statement (PHIS)

Extras Cover

Visit a network dentist for quality dental care at special member prices. Plus, network optical providers offer no-gap glasses and discounts on other optical purchases up to the optical limit. See https://www.defencehealth.com.au/Health-Insurance/Find-Providers-and-Hospitals.

This policy includes General treatment (Extras) cover for
Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$250 per policy

combined limit for acupuncture, remedial massage & other services

  • Initial visit: $76
  • Subsequent visit: $62
Ante-natal/Post-natal classes 2

$400 per policy

combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $40
  • Subsequent visit: $40
Audiology 2

$400 per policy

combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $145
  • Subsequent visit: $115
Blood glucose monitors 12

$300 per policy

combined limit for blood glucose monitors, health management / healthy lifestyle & other services

  • Per monitor: $50
Chiropractic 2

$400 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $66
  • Subsequent visit: $43
Dietetics/dietary advice 2

$400 per policy

combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $105
  • Subsequent visit: $68
Endodontic 12

$700 per policy

combined limit for endodontic & major dental

  • Filling of one root canal: $117.4
Exercise physiology 2

$450 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $77
  • Subsequent visit: $54
Eye therapy (orthoptics) 2

$400 per policy

combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $118
  • Subsequent visit: $112
General dental 2

No annual limit

  • Fluoride treatment: $20.6
  • Scale & clean: $70.8
  • Periodic oral examination: $37.6
Health management / Healthy lifestyle 2

$300 per policy

combined limit for blood glucose monitors, health management / healthy lifestyle & other services

  • Health management: $20
Hearing aids 12

$1,000 per policy

  • Hearing aid: $1000
Major dental 12

$700 per policy

combined limit for endodontic & major dental

  • Surgical tooth extraction: $124.7
  • Full crown veneered: $700
Non PBS pharmaceuticals 2

$150 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $60
Occupational therapy 2

$400 per policy

combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $103
  • Subsequent visit: $81
Optical 2

$225 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthodontic 12

$700 per policy

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $700
Orthotics (podiatric orthoses) 12

$250 per policy

combined limit for orthotics (podiatric orthoses), podiatry & other services

  • Orthotics supply & fit: $100
Osteopathy 2

$400 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $80
  • Subsequent visit: $65
Physiotherapy 2

$450 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $97
  • Subsequent visit: $79
Podiatry 2

$250 per policy

combined limit for orthotics (podiatric orthoses), podiatry & other services

  • Initial visit: $68
  • Subsequent visit: $55
Psychology 2

$300 per policy

  • Initial visit: $200
  • Subsequent visit: $165
Remedial massage 2

$250 per policy

combined limit for acupuncture, remedial massage & other services

  • Initial visit: $60
  • Subsequent visit: $52
Speech therapy 2

$400 per policy

combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $155
  • Subsequent visit: $91
Vaccinations 2

$150 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: $60
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for acupuncture, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $76}

{Subsequent visit: $62}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $145}

{Subsequent visit: $115}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for blood glucose monitors, health management / healthy lifestyle & other services}

Examples of maximum benefits

{Per monitor: $50}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $66}

{Subsequent visit: $43}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $105}

{Subsequent visit: $68}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $117.4}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $77}

{Subsequent visit: $54}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $118}

{Subsequent visit: $112}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Fluoride treatment: $20.6}

{Scale & clean: $70.8}

{Periodic oral examination: $37.6}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for blood glucose monitors, health management / healthy lifestyle & other services}

Examples of maximum benefits

{Health management: $20}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

Examples of maximum benefits

{Hearing aid: $1000}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: $124.7}

{Full crown veneered: $700}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $60}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $103}

{Subsequent visit: $81}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$225 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $700}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for orthotics (podiatric orthoses), podiatry & other services}

Examples of maximum benefits

{Orthotics supply & fit: $100}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $65}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $97}

{Subsequent visit: $79}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for orthotics (podiatric orthoses), podiatry & other services}

Examples of maximum benefits

{Initial visit: $68}

{Subsequent visit: $55}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Initial visit: $200}

{Subsequent visit: $165}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for acupuncture, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $52}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for ante-natal/post-natal classes, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $155}

{Subsequent visit: $91}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $60}

Myotherapy added to a combined Remedial Massage and Acupuncture limit, with initial consultation up to $68, subsequent consultation up to $58. Group Physiotherapy sessions up to $29 and Group Exercise Physiology sessions up to $18, both part of combined Physiotherapy and Exercise Physiology limit. Benefits covered for Online Cognitive Behavioural Therapy Courses, up to $50 per course combined with Psychology limit. Tests & Programs benefits for Nicotine Replacement and Quit Smoking Programs up to $45 sharing a combined limit with Blood Glucose Monitors (Medically Prescribed Devices) with benefits for Blood Pressure Monitor up to $50, Tens Machine up to $80, Compression Garments up to $60. Benefits payable for Private Hospital Emergency Department services up to $100 payable towards any attendance or facility fees charged by the Private Hospital where the member has attended a Private Accident and Emergency Department.

This policy does not include General treatment (Extras) cover for
Chinese medicine
Home nursing

Other features of this general treatment cover: Myotherapy grouped with combined Acupuncture and Remedial massage limit. Benefits covered for Online Cognitive Behavioural Therapy Courses are under Psychology limit. Tests and Programs, Blood pressure monitors, TENS machines and compression garments are grouped with Blood glucose monitors. Private Hospital Emergency Department Benefit up to $100.

For further information about this policy see: https://www.defencehealth.com.au/

Ambulance cover

In NT this policy provides:

Emergency: Unlimited with a waiting period of 2 months.

Non-emergency: Unlimited transport with a waiting period of 2 months.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Comprehensive cover for ambulance services by state-appointed ambulance providers across Australia. This includes emergency services, non-emergency dispatch, mobile intensive care and air and sea ambulance services. Non-emergency services are those that are classed as clinically necessary; for example, you need to be monitored by a paramedic during transport. Patient transfer services and transport services by Patient Transport vehicles are not ambulance services and are not claimable.

For further information about this policy see: https://www.defencehealth.com.au/

Insurer Details

Defence Health Limited

Lifestyle Extras

Restricted Insurer

$72.00 / month

(Before Rebate, Discount & Loading)

Available in NT

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/AHB/I9/DLVO10

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