ahm health insurance

first step bronze plus

Name: first step bronze plus
Brand: ahm health insurance
Price: 583.9 AUD

$583.90 / month

(Before Rebate, Discount & Loading)

Available in TAS

134 246 Sponsor link

Go to site Sponsor link

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading, an Age-based Discount or an insurer discount. Check with your insurer for details.

This policy covers: Two adults (and no-one else).

Policy ID: AHM/J7/TAAL20

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover.
This policy does not provide benefits for travel or accommodation outside of hospital.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Back, neck and spine

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Palliative care

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services

Cataracts

Dialysis for chronic kidney failure

Heart and vascular system

Joint replacements

Pregnancy and birth

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.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per person per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

This cover also includes unlimited medically necessary ambulance.

Extras Cover

ahm Health Insurance does not operate a preferred provider scheme. Included Extras benefits apply to any recognised provider. See https://members.ahm.com.au/find-a-provider.

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 0

$250 per person

combined limit for acupuncture & remedial massage

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Chiropractic 0

$300 per person

combined limit for chiropractic, osteopathy, physiotherapy & other services

sub-limits apply

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Endodontic 12

$400 per person

combined limit for endodontic, major dental, orthodontic & other services

sub-limits apply

Filling of one root canal: 70% of charge

General dental 0

$400 per person

sub-limits apply

Fluoride treatment: 70% of charge
Scale & clean: 70% of charge
Surgical tooth extraction: 70% of charge
Periodic oral examination: 70% of charge

Major dental 12

$400 per person

combined limit for endodontic, major dental, orthodontic & other services

sub-limits apply

Full crown veneered: 70% of charge

Non PBS pharmaceuticals 0

$250 per person

sub-limits apply

Per eligible prescription: 70% of charge

Optical 0

$200 per person

Multi-focal lenses & frames: 70% of charge
Single vision lenses & frames: 70% of charge

Orthodontic* 12

$400 per person

$1,400 lifetime limit

combined limit for endodontic, major dental, orthodontic & other services

Braces for upper & lower teeth, including removal plus fitting of retainer: 70% of charge

Osteopathy 0

$300 per person

combined limit for chiropractic, osteopathy, physiotherapy & other services

Initial visit: 70% of charge
Subsequent visit: $70

Physiotherapy 0

$300 per person

combined limit for chiropractic, osteopathy, physiotherapy & other services

sub-limits apply

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Psychology 0

$200 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Remedial massage 0

$250 per person

combined limit for acupuncture & remedial massage

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Acupuncture

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Chiropractic

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic, osteopathy, physiotherapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for endodontic, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: 70% of charge}

General dental

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: 70% of charge}

{Scale & clean: 70% of charge}

{Surgical tooth extraction: 70% of charge}

{Periodic oral examination: 70% of charge}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for endodontic, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: 70% of charge}

Non PBS pharmaceuticals

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: 70% of charge}

Optical

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 70% of charge}

{Single vision lenses & frames: 70% of charge}

Orthodontic*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{$1,400 lifetime limit}

{combined limit for endodontic, major dental, orthodontic & other services}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 70% of charge}

Osteopathy

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: $70}

Physiotherapy

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic, osteopathy, physiotherapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Psychology

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Remedial massage

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

With first step bronze plus you get 70% back on included extras until you reach your annual limit. This product also includes Counselling services. Conditions and annual limits apply. Please refer to product guide for more details.

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Chinese medicine

Dietetics/dietary advice

Exercise physiology

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Occupational therapy

Orthotics (podiatric orthoses)

Podiatry

Speech therapy

Vaccinations

Other features of this general treatment cover: With this cover, you get 70% back on included extras until you reach your annual limit.

Ambulance cover

Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.

Other features of this ambulance cover: Unlimited benefits for medically necessary ambulance trips to the nearest hospital that is able to provide the level of care you require. TAS and QLD have State schemes to cover ambulance services for residents of those States.

Insurer Details

ahm health insurance

first step bronze plus

$583.90 / month

(Before Rebate, Discount & Loading)

Available in TAS

134 246 Sponsor link

Go to site Sponsor link

ahm health insurance

http://www.ahm.com.au

134 246

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/AHM/J7/TAAL20

first step bronze plus

Policy ID: AHM/J7/TAAL20

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

ahm health insurance

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