Health Insurance Fund of Australia Limited

Silver Plus Family Advanced

Name: Silver Plus Family Advanced
Brand: Health Insurance Fund of Australia Limited
Price: 911.95 AUD

$911.95 / 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: HIF/CZA7/TCDD20

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

Assisted reproductive services

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

Heart and vascular system

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

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

This policy does not include cover for

Cataracts

Dialysis for chronic kidney failure

Joint replacements

Pain management with device

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 on admission. This is limited to a maximum of $750 per person and $1500 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

Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.

For further information about this policy see: http://www.hif.com.au/silverplusfamilyadvanced

Extras Cover

HIF has partnered with a network of providers to make a selected range of services more affordable. By choosing an HIF Choice Network provider you’ll receive low or no out-of-pocket costs. See www.hif.com.au/choice-network

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 person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $32
Subsequent visit: $32

Blood glucose monitors 12

$200 per person

Per monitor: 75% of charge

Chinese medicine 2

$250 per person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $32
Subsequent visit: $32

Chiropractic 2

$400 per person

combined limit for chiropractic & osteopathy

Initial visit: $32
Subsequent visit: $32

Dietetics/dietary advice 2

$350 per person

Initial visit: $40
Subsequent visit: $40

Endodontic 12

$1,000 per person

combined limit for endodontic & major dental

Filling of one root canal: $142.05

Exercise physiology 2

$500 per person

combined limit for exercise physiology, physiotherapy & other services

Initial visit: $30
Subsequent visit: $30

Eye therapy (orthoptics) 2

$500 per person

combined limit for eye therapy (orthoptics), occupational therapy & speech therapy

Initial visit: $40
Subsequent visit: $40

General dental 2

$1,000 per person

Fluoride treatment: $33.2
Scale & clean: $110.35
Surgical tooth extraction: $152.45
Periodic oral examination: $54.35

Health management / Healthy lifestyle 2

$100 per person

Health management: 100% of charge

Hearing aids 12

$550 per person

Hearing aid: 100% of charge

Home nursing 2

$450 per person

Initial visit: $75
Subsequent visit: $75

Major dental* 12

$1,000 per person

combined limit for endodontic & major dental

Full crown veneered: $799.8

Non PBS pharmaceuticals* 2

$300 per person

Per eligible prescription: $80

Occupational therapy 2

$500 per person

combined limit for eye therapy (orthoptics), occupational therapy & speech therapy

Initial visit: $40
Subsequent visit: $40

Optical* 2

$275 per person

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

Orthodontic 12

$800 per person

$2,000 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge

Orthotics (podiatric orthoses) 12

$200 per person

Orthotics supply & fit: 75% of charge

Osteopathy 2

$400 per person

combined limit for chiropractic & osteopathy

Initial visit: $32
Subsequent visit: $32

Physiotherapy 2

$500 per person

combined limit for exercise physiology, physiotherapy & other services

Initial visit: $45
Subsequent visit: $45

Podiatry 2

$350 per person

Initial visit: $32
Subsequent visit: $32

Psychology 2

$700 per person

Initial visit: $80
Subsequent visit: $80

Remedial massage 2

$250 per person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $32
Subsequent visit: $32

Speech therapy 2

$500 per person

combined limit for eye therapy (orthoptics), occupational therapy & speech therapy

Initial visit: $60
Subsequent visit: $60

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $142.05}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for exercise physiology, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

Examples of maximum benefits

{Fluoride treatment: $33.2}

{Scale & clean: $110.35}

{Surgical tooth extraction: $152.45}

{Periodic oral examination: $54.35}

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% of charge}

Hearing aids

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

Examples of maximum benefits

{Hearing aid: 100% of charge}

Home nursing

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $75}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: $799.8}

Non PBS pharmaceuticals*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Per eligible prescription: $80}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$275 per person}

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

{$800 per person}

{$2,000 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge}

Orthotics (podiatric orthoses)

Waiting period: 12 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

{$400 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for exercise physiology, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $80}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

Our Complementary Therapies includes: acupuncture, myotherapy, remedial massage and traditional Chinese medicine. Treatment must be provided by a practitioner who is registered with HIF in the speciality for which the charge is raised, benefits are not payable on medicines. A 12 month waiting period applies to IVF drugs. Other items covered: Asthmatic spacers, Diabetes Education, External Prosthesis, Humidifier/ Nebuliser and a Peak Flow Meter.

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

Ante-natal/Post-natal classes

Audiology

Vaccinations

Other features of this general treatment cover: Advanced Extras is one of our higher value Extras cover options. It includes cover for over 20 services such as Dental, Physio, Chiro, Podiatry, Complementary Therapies, Pharmacy, Psychology and more.

For further information about this policy see: http://www.hif.com.au/silverplusfamilyadvanced

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: There's no limit to the number of emergency ambulance services you use. If you’re taken to a hospital’s emergency department for urgent treatment, we’ll cover 100% of the charge. If it’s a non-emergency ambulance service, you only make a $50 co-payment. Not covered: Inter-hospital transportation except for inter-hospital transfers relating to an emergency or new illness where approved on a case by case basis by HIF. Transportation from a hospital to your home, nursing home or other hospital. Transportation for ongoing medical treatment. Off road, sea or air ambulance (plane, helicopter or boat).

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

Insurer Details

Health Insurance Fund of Australia Limited

Silver Plus Family Advanced

$911.95 / month

(Before Rebate, Discount & Loading)

Available in TAS

Health Insurance Fund of Australia Limited

http://www.hif.com.au

hello@hif.com.au

1300 134 060

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/HIF/CZA7/TCDD20

Silver Plus Family Advanced

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Silver Plus Family Advanced

Policy ID: HIF/CZA7/TCDD20

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Health Insurance Fund of Australia Limited

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