Peoplecare Health Insurance

Basic Accident Hospital $750 & Flex Essentials Extras

Name: Basic Accident Hospital $750 & Flex Essentials Extras
Brand: Peoplecare Health Insurance
Price: 357.47 AUD

$357.47 / month

(Before Rebate, Discount & Loading)

Available in WA

1800 808 690 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, 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 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Non-Classified Dependant Person shall mean a person who is: (i) Aged between 18 and 20 (inclusive); and (ii) Who does not have a Partner

Policy ID: LHM/K17/WMLF2D

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 does not provide benefits for travel or accommodation outside of hospital.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Hospital psychiatric services

Palliative care

Rehabilitation

This policy does not include 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

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

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

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 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
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

No waiting period applies for hospital treatment resulting from an accident.

For further information about this policy see: https://www.peoplecare.com.au/siteassets/documents/cd/oms/basic-accident-hospital---750-excess-flex-essentials-extras.pdf

Extras Cover

By using Peoplecare's 'preferred providers' you may have lower out of pocket costs on Dental and Optical treatments and have access to more 'no gap' treatments. A list of 'preferred providers' is available from Peoplecare. See https://peoplecare.com.au/Members/Providers/Other-health-providers.

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

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

sub-limits apply

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

Chinese medicine 2

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

sub-limits apply

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

Chiropractic 2

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

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

Dietetics/dietary advice 2

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

sub-limits apply

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

Exercise physiology 2

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

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

General dental 2

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

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

Optical 6

$200 per person

Multi-focal lenses & frames: $200
Single vision lenses & frames: $200

Osteopathy 2

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

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

Physiotherapy 2

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

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

Remedial massage 2

$800 per person

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage

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

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

{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

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

{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

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

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

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

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}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $200}

{Single vision lenses & frames: $200}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

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

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

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

{$800 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy, physiotherapy & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

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

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Endodontic

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Major dental

Non PBS pharmaceuticals

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Podiatry

Psychology

Speech therapy

Vaccinations

For further information about this policy see: https://www.peoplecare.com.au/siteassets/documents/cd/oms/basic-accident-hospital---750-excess-flex-essentials-extras.pdf

Ambulance cover

In WA this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Non-emergency: Unlimited transport with a waiting period of 1 day.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Unlimited Ambulance covers you Australia wide for land, sea and air transport.

For further information about this policy see: https://www.peoplecare.com.au/health-insurance/hospital-cover/ambulance

Insurer Details

Peoplecare Health Insurance

Basic Accident Hospital $750 & Flex Essentials Extras

$357.47 / month

(Before Rebate, Discount & Loading)

Available in WA

1800 808 690 Sponsor link

Go to site Sponsor link

Peoplecare Health Insurance

http://www.peoplecare.com.au

info@peoplecare.com.au

1800 808 690

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/LHM/K17/WMLF2D

Basic Accident Hospital $750 & Flex Essentials Extras

Policy ID: LHM/K17/WMLF2D

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Peoplecare Health Insurance

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