Hunter Health Insurance

SILVER+ Excess 2 $500 Hospital & Premium Extras (Single)

Name: SILVER+ Excess 2 $500 Hospital & Premium Extras (Single)
Brand: Hunter Health Insurance
Price: 419.87 AUD

$419.87 / month

(Before Rebate, Discount & Loading)

Available in WA

02 4990 1385 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 or an insurer discount. Check with your insurer for details.

This policy covers: Only one person.

Policy ID: CDH/J12/WDCL10

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.

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)

Cataracts

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

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Joint replacements

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

Dialysis for chronic kidney failure

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 policy 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

NSW/ACT residents -Ambulance coverage is included Australia wide. All other States residents please contact the fund for details. NOTE: This Hospital cover provides a Gap Cover Scheme minimising Out-of-Pocket expenses for Doctors services. ****Accident cover is allowed provided you are admitted to hospital (1 day waiting period).

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

Extras Cover

This health insurer does not operate a preferred provider scheme.

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

$600 per policy

combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage

sub-limits apply

Initial visit: $40
Subsequent visit: $40

Ante-natal/Post-natal classes 2

$250 per policy

Initial visit: $25

Blood glucose monitors 12

$500 per policy

Per monitor: 75% of charge

Chiropractic 2

$600 per policy

combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage

Initial visit: $40
Subsequent visit: $35

Dietetics/dietary advice 2

$600 per policy

combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage

Initial visit: $35

Endodontic 12

No annual limit

Filling of one root canal: $150

Exercise physiology 2

$600 per policy

combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage

Initial visit: $26
Subsequent visit: $22

General dental 2

Gap Free Preventative Dental 100% Benefit Limit 2 Service Person Per Year Items Number 011-015 111-116

Fluoride treatment: $25
Scale & clean: 100% of charge
Surgical tooth extraction: $110
Periodic oral examination: 100% of charge

Health management / Healthy lifestyle 2

$65 per policy

Health management: $65

Hearing aids 36

$750 per policy

sub-limits apply

Hearing aid: $625

Home nursing 2

$950 per policy

Initial visit: $35

Major dental 12

$1,100 per policy

Full crown veneered: $800

Non PBS pharmaceuticals 2

$700 per policy

Per eligible prescription: $70

Occupational therapy 2

$700 per policy

combined limit for occupational therapy, physiotherapy & speech therapy

Initial visit: $35

Optical 2

$290 per policy

Multi-focal lenses & frames: $290
Single vision lenses & frames: $210

Orthodontic 12

$600 per policy

$2,500 lifetime limit

sub-limits apply

Braces for upper & lower teeth, including removal plus fitting of retainer: $2500

Orthotics (podiatric orthoses) 2

$200 per policy

Orthotics supply & fit: 75% of charge

Osteopathy 2

$600 per policy

combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage

Initial visit: $35
Subsequent visit: $30

Physiotherapy 2

$700 per policy

combined limit for occupational therapy, physiotherapy & speech therapy

Initial visit: $55
Subsequent visit: $45

Podiatry 2

$600 per policy

combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage

sub-limits apply

Initial visit: $45
Subsequent visit: $40

Psychology 2

$600 per policy

combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage

sub-limits apply

Initial visit: $50
Subsequent visit: $50

Remedial massage 2

$600 per policy

combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage

sub-limits apply

Initial visit: $50
Subsequent visit: $30

Speech therapy 2

$700 per policy

combined limit for occupational therapy, physiotherapy & speech therapy

Initial visit: $35
Subsequent visit: $40

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Ante-natal/Post-natal classes

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

Examples of maximum benefits

{Initial visit: $25}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $35}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Filling of one root canal: $150}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $26}

{Subsequent visit: $22}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{Gap Free Preventative Dental 100% Benefit Limit 2 Service Person Per Year Items Number 011-015 111-116}

Examples of maximum benefits

{Fluoride treatment: $25}

{Scale & clean: 100% of charge}

{Surgical tooth extraction: $110}

{Periodic oral examination: 100% of charge}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$65 per policy}

Examples of maximum benefits

{Health management: $65}

Hearing aids

Waiting period: 36 months

Benefit limits per 12 months unless otherwise stated

{$750 per policy}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $625}

Home nursing

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$950 per policy}

Examples of maximum benefits

{Initial visit: $35}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,100 per policy}

Examples of maximum benefits

{Full crown veneered: $800}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

Examples of maximum benefits

{Per eligible prescription: $70}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $35}

Optical

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$290 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: $290}

{Single vision lenses & frames: $210}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{$2,500 lifetime limit}

{sub-limits apply}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $2500}

Orthotics (podiatric orthoses)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Orthotics supply & fit: 75% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $30}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $55}

{Subsequent visit: $45}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $40}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chiropractic, dietetics/dietary advice, exercise physiology, osteopathy, podiatry, psychology & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $30}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $40}

Does not include treatment for: Alexander technique; Aromatherapy; Bowen therapy; Buteyko; Feldenkrais; Western herbalism; homeopathy; iridology; kinesiology; naturopathy; Pilates; reflexology; Rolfing; Shiatsu; Tai chi; Yoga CSIRO Total Wellbeing Diet $60 Per Year Per Membership

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

Audiology

Chinese medicine

Eye therapy (orthoptics)

Vaccinations

Other features of this general treatment cover: Orthodontic is paid at 75% of account in current year to max $600.00 with $250.00 per year accumulated up to a maximum benefit of $2500.00 per person per lifetime.

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

Ambulance cover

Aged Pensioner concession holders are entitled to free ambulance transport services. If you are not eligible for a concession and want to be covered, you can purchase insurance from a private health fund or a subscription through the state ambulance service.

For further information about this policy see: https://www.hunterhi.com.au/ambulance-cover/

Insurer Details

Hunter Health Insurance

SILVER+ Excess 2 $500 Hospital & Premium Extras (Single)

$419.87 / month

(Before Rebate, Discount & Loading)

Available in WA

02 4990 1385 Sponsor link

Go to site Sponsor link

Hunter Health Insurance

http://www.hunterhi.com.au

enquiries@hunterhi.com.au

02 4990 1385

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/CDH/J12/WDCL10

SILVER+ Excess 2 $500 Hospital & Premium Extras (Single)

Policy ID: CDH/J12/WDCL10

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Hunter Health Insurance

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