Health Insurance Fund of Australia Limited

Silver Plus Family Mid

Name: Silver Plus Family Mid
Brand: Health Insurance Fund of Australia Limited
Price: 569.75 AUD

$569.75 / month

(Before Rebate, Discount & Loading)

Available in WA

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: HIF/CZM7/WCER10

Source: Private Health Information Statement (PHIS)

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/silverplusfamilymid

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

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Chinese medicine 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Chiropractic 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Endodontic 12

$600 per policy

combined limit for endodontic & major dental

Filling of one root canal: 60% of charge

Exercise physiology 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

Initial visit: 60% of charge
Subsequent visit: 60% of charge

General dental 2

$600 per policy

Fluoride treatment: 60% of charge
Scale & clean: 60% of charge
Surgical tooth extraction: 60% of charge
Periodic oral examination: 60% of charge

Health management / Healthy lifestyle 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

sub-limits apply

Health management: 60% of charge

Major dental* 12

$600 per policy

combined limit for endodontic & major dental

Full crown veneered: 60% of charge

Non PBS pharmaceuticals* 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

Per eligible prescription: 60% of charge

Optical* 2

$200 per policy

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

Osteopathy 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Physiotherapy 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Podiatry 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Psychology 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Remedial massage 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: 60% of charge}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 60% of charge}

{Surgical tooth extraction: 60% of charge}

{Periodic oral examination: 60% of charge}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Health management: 60% of charge}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

Examples of maximum benefits

{Per eligible prescription: 60% of charge}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, health management / healthy lifestyle, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, psychology, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Complementary Therapies sub-limit is $150 per person ($300 per couple or family membership). Benefits are claimable for 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. Healthy lifestyle sub-limit is $150 per person ($300 per couple or family membership). Psychology sub-limit is $150 per person ($300 per couple or family membership). The limits detailed above are subject to a combined overall person limit of $350 ($700 per couple of family membership) for physio, exercise physiology, chiro, osteo, podiatry, pharmacy, complementary therapies, psychology and healthy lifestyle.

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

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Dietetics/dietary advice

Eye therapy (orthoptics)

Hearing aids

Home nursing

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Speech therapy

Vaccinations

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

Silver Plus Family Mid

Policy ID: HIF/CZM7/WCER10

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Health Insurance Fund of Australia Limited

Policies change monthly, stay informed

Silver Plus Family Mid

Policy ID: HIF/CZM7/WCER10

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Health Insurance Fund of Australia Limited

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Policies change monthly, stay informed