Skip to content
Healthslips logo
Greenslips logo
Healthslips logo
Explore Overview
Cover Overview
Hospital Cover (9 articles) Extras Cover (6 articles) Ambulance Cover (5 articles) Excluded Treatments
Insurers Overview
AAMI Health Insurance ACA Health ahm AIA Health Insurance Allianz Care Australia APIA Health Insurance Astute Simplicity Health Australian Unity Bupa Health Insurance CBHS Corporate CBHS Health CBHS Int Logo CBHS International Health  Defence Health Doctors’ Health Emergency Services Health Frank GMHBA GU Health HBF HCF HCi Health Partners HIF Hunter Health Insurance ING Health Insurance Latrobe Health Services Medibank Mildura Health Fund Navy Health nib Nurses & Midwives Health onemedifund Peoplecare Phoenix Health Fund Police Health Priceline Health Insurance Qantas Insurance  Queensland Country Health Fund Real Health Insurance Reserve Bank Health Society (RBHS) RT Health see-u by HBF Seniors Health Insurance  St Lukes Health Suncorp Health Insurance  Teachers Health Territory Health Fund  Transport Health TUH UniHealth Union Health  Westfund
Do you have a reference number?
Resume your calculation.
Healthslips logo Greenslips logo
Compare Every Insurer
No Commercial Bias
Cheapest Policy Guaranteed
Free Open Access
Compare Every Insurer
No Commercial Bias
Hunter Health Insurance

Excess2 GOLD Hospital & Premium Extras (Family)

$905.60 / month

(Before Rebate, Discount & Loading)

Available in VIC

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 & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 24), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: 18-20

Policy ID: CDH/J9/VBCW2D

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. All other residents please contact the fund for details. NOTE: This Hospital cover provides 100% cover for Hospital accommodation, and 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://www.hunterhi.com.au/products/

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 person

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 person

  • Initial visit: $25
Blood glucose monitors 12

$500 per person

  • Per monitor: 75% of charge
Chiropractic 2

$600 per person

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 person

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 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

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 person

  • Health management: $65
Hearing aids 36

$750 per person

sub-limits apply

  • Hearing aid: $625
Home nursing 2

$950 per person

  • Initial visit: $35
Major dental 12

$1,100 per person

  • Full crown veneered: $800
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: $35
Optical 2

$290 per person

  • Multi-focal lenses & frames: $290
  • Single vision lenses & frames: $210
Orthodontic 12

$600 per person

$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 person

  • Orthotics supply & fit: 75% of charge
Osteopathy 2

$600 per person

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 person

combined limit for occupational therapy, physiotherapy & speech therapy

  • Initial visit: $55
  • Subsequent visit: $45
Podiatry 2

$600 per person

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 person

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 person

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 person

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 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: $40}

{Subsequent visit: $40}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: $25}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{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 person}

{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 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

{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 person}

Examples of maximum benefits

{Health management: $65}

Hearing aids

Waiting period:  36 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

{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 person}

Examples of maximum benefits

{Initial visit: $35}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,100 per person}

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 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: $35}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$290 per person}

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 person}

{$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 person}

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 person}

{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 person}

{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 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: $45}

{Subsequent visit: $40}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 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: $50}

{Subsequent visit: $50}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 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: $50}

{Subsequent visit: $30}

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: $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://www.hunterhi.com.au/products/

Ambulance cover

Pensioner Concession Card and Healthcare Card holders are entitled to free clinically necessary ambulance transport. If you are not eligible for a concession and want to be covered, you can purchase insurance from a private health insurer or take out a subscription with the state ambulance service (https://www.ambulance.vic.gov.au/membership).

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

Insurer Details

Hunter Health Insurance

Excess2 GOLD Hospital & Premium Extras (Family)

$905.60 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/J9/VBCW2D

advertisement
calculate your health insurance

Policies change monthly, stay informed

Subscribe to stay informed. Insurers regularly update policies, introduce new policies and close policies. Our data is updated monthly.
See our Privacy Policy for information on how we protect your personal information.
Thank you for subscribing!