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Hunter Health Insurance

Excess2 Top Gold Hospital & Supplementary Cover (Couple)

$666.02 / month

(Before Rebate, Discount & Loading)

Available in TAS

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: Two adults (and no-one else).

Policy ID: CDH/J2/TATY20

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 provides benefits for travel or accommodation outside of hospital - check with insurer for details.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Assisted reproductive services
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)
Dialysis for chronic kidney failure
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)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
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 $1000 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
  • 12 months for pregnancy and birth (obstetrics)
  • 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, residents of all other States please contact the fund for details. NOTE: This Hospital cover provides 100% cover for Hospital accommodation in a Public Hospital (shared or private room). FURTHER: A Gap Cover Scheme minimising Out-of-Pocket expenses for Doctors services is included in this product. ***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

$400 per person

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

sub-limits apply

  • Initial visit: $35
  • Subsequent visit: $35
Ante-natal/Post-natal classes 2

$150 per person

  • Initial visit: $16
Blood glucose monitors 12

$400 per person

  • Per monitor: 75% of charge
Chiropractic 2

$400 per person

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

  • Initial visit: $26
  • Subsequent visit: $22
Dietetics/dietary advice 2

$400 per person

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

  • Initial visit: $26
Endodontic 12

No annual limit

  • Filling of one root canal: $85
Exercise physiology 0

$400 per person

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

  • Initial visit: $26
  • Subsequent visit: $22
General dental 2

No annual limit

  • Fluoride treatment: $25
  • Scale & clean: $50
  • Surgical tooth extraction: $70
  • Periodic oral examination: $30
Health management / Healthy lifestyle 2

$100 per person

  • Health management: $100
Hearing aids 12

$750 per person

sub-limits apply

  • Hearing aid: $500
Home nursing 2

$160 per person

  • Initial visit: $16
Major dental 12

$700 per person

  • Full crown veneered: $500
Non PBS pharmaceuticals 2

$700 per person

  • Per eligible prescription: $70
Occupational therapy 2

$700 per person

combined limit for occupational therapy, physiotherapy & speech therapy

  • Initial visit: $28
Optical 2

$290 per person

  • Multi-focal lenses & frames: $240
  • Single vision lenses & frames: $180
Orthodontic 12

$400 per person

$1,800 lifetime limit

sub-limits apply

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $1800
Orthotics (podiatric orthoses) 2

No annual limit

  • Orthotics supply & fit: $75
Osteopathy 2

$400 per person

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

  • Initial visit: $26
  • Subsequent visit: $22
Physiotherapy 2

$700 per person

combined limit for occupational therapy, physiotherapy & speech therapy

  • Initial visit: $40
  • Subsequent visit: $36
Podiatry 2

$400 per person

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

sub-limits apply

  • Initial visit: $25
  • Subsequent visit: $22
Psychology 2

$400 per person

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

sub-limits apply

  • Initial visit: $38
  • Subsequent visit: $38
Remedial massage 2

$400 per person

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

sub-limits apply

  • Initial visit: $20
  • Subsequent visit: $20
Speech therapy 2

$700 per person

combined limit for occupational therapy, physiotherapy & speech therapy

  • Initial visit: $28
  • Subsequent visit: $32
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Initial visit: $16}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{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}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

Examples of maximum benefits

{Initial visit: $26}

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: $85}

Exercise physiology

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{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

{No annual limit}

Examples of maximum benefits

{Fluoride treatment: $25}

{Scale & clean: $50}

{Surgical tooth extraction: $70}

{Periodic oral examination: $30}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person}

Examples of maximum benefits

{Health management: $100}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $500}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$160 per person}

Examples of maximum benefits

{Initial visit: $16}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Full crown veneered: $500}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Per eligible prescription: $70}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

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

Examples of maximum benefits

{Initial visit: $28}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$290 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $240}

{Single vision lenses & frames: $180}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{$1,800 lifetime limit}

{sub-limits apply}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $1800}

Orthotics (podiatric orthoses)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Orthotics supply & fit: $75}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{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}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

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

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $36}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $22}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $38}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $20}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

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

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $32}

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

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 $400.00 with $150.00 per year accumulated up to a maximum benefit of $1800.00 per person per lifetime.

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

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.

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

Insurer Details

Hunter Health Insurance

Excess2 Top Gold Hospital & Supplementary Cover (Couple)

$666.02 / month

(Before Rebate, Discount & Loading)

Available in TAS

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/J2/TATY20

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