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Mildura Health Fund

Five Star Extras - E1

$286.20 / month

(Before Rebate, Discount & Loading)

Available in All States

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.

This policy covers: Two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20), students (21 - 24) and non-students (21 to 30), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: Non-classified is ticked to include child dependents age 18-20 inclusive as under PHI dependent rules a child is covered up to age 18 only. This classification is NOT published but is required so that child dependents age 18-20 are not excluded from PHI cover comparisons etc on PrivateHealth.gov.au

Policy ID: MDH/I4/AABM2Y

Source: Private Health Information Statement (PHIS)

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 up to $1,200 per policy

combined limit for acupuncture, remedial massage & other services

  • Initial visit: $36
  • Subsequent visit: $34
Blood glucose monitors 36

$1,200 per person up to $2,400 per policy

combined limit for blood glucose monitors, hearing aids & other services

sub-limits apply

  • Per monitor: $260
Chiropractic 2

$600 per person up to $1,200 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $40
  • Subsequent visit: $34
Dietetics/dietary advice 2

$650 per person up to $1,300 per policy

  • Initial visit: $44
  • Subsequent visit: $40
Endodontic* 2

$1,500 per person

combined limit for endodontic, general dental, major dental, orthodontic & other services

  • Filling of one root canal: $242.3
Exercise physiology 2

$650 per person up to $1,300 per policy

combined limit for exercise physiology, occupational therapy & physiotherapy

  • Initial visit: $50
  • Subsequent visit: $45
Eye therapy (orthoptics) 2

$650 per person up to $1,300 per policy

  • Initial visit: $42
  • Subsequent visit: $38
General dental* 2

$1,500 per person

combined limit for endodontic, general dental, major dental, orthodontic & other services

  • Fluoride treatment: $51.2
  • Scale & clean: $122.7
  • Surgical tooth extraction: $247.45
  • Periodic oral examination: $59.85
Health management / Healthy lifestyle 6

$150 per person up to $300 per policy

  • Health management: 70% of charge
Hearing aids 36

$1,200 per person up to $2,400 per policy

combined limit for blood glucose monitors, hearing aids & other services

sub-limits apply

  • Hearing aid: $1100
Home nursing 2

$600 per person up to $1,200 per policy

  • Initial visit: $12
  • Subsequent visit: $12
Major dental* 2

$1,500 per person

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Full crown veneered: $800
Non PBS pharmaceuticals 2

$300 per person up to $600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $45
Occupational therapy 2

$650 per person up to $1,300 per policy

combined limit for exercise physiology, occupational therapy & physiotherapy

  • Initial visit: $50
  • Subsequent visit: $45
Optical 6

$280 per person

  • Multi-focal lenses & frames: $280
  • Single vision lenses & frames: $280
Orthodontic* 24

$1,500 per person

$2,400 lifetime limit

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $800
Osteopathy 2

$600 per person up to $1,200 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $50
  • Subsequent visit: $45
Physiotherapy 2

$650 per person up to $1,300 per policy

combined limit for exercise physiology, occupational therapy & physiotherapy

  • Initial visit: $50
  • Subsequent visit: $45
Podiatry 2

$650 per person up to $1,300 per policy

  • Initial visit: $48
  • Subsequent visit: $44
Psychology 2

$650 per person up to $1,300 per policy

  • Initial visit: $70
  • Subsequent visit: $60
Remedial massage 2

$600 per person up to $1,200 per policy

combined limit for acupuncture, remedial massage & other services

  • Initial visit: $36
  • Subsequent visit: $34
Speech therapy 2

$650 per person up to $1,300 per policy

  • Initial visit: $60
  • Subsequent visit: $55
Vaccinations 2

$300 per person up to $600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: $45
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $1,200 per policy}

{combined limit for acupuncture, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $34}

Blood glucose monitors

Waiting period:  36 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person up to $2,400 per policy}

{combined limit for blood glucose monitors, hearing aids & other services}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: $260}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $1,200 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $34}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person up to $1,300 per policy}

Examples of maximum benefits

{Initial visit: $44}

{Subsequent visit: $40}

Endodontic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

Examples of maximum benefits

{Filling of one root canal: $242.3}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person up to $1,300 per policy}

{combined limit for exercise physiology, occupational therapy & physiotherapy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $45}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person up to $1,300 per policy}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $38}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

Examples of maximum benefits

{Fluoride treatment: $51.2}

{Scale & clean: $122.7}

{Surgical tooth extraction: $247.45}

{Periodic oral examination: $59.85}

Health management / Healthy lifestyle

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$150 per person up to $300 per policy}

Examples of maximum benefits

{Health management: 70% of charge}

Hearing aids

Waiting period:  36 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person up to $2,400 per policy}

{combined limit for blood glucose monitors, hearing aids & other services}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $1100}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $1,200 per policy}

Examples of maximum benefits

{Initial visit: $12}

{Subsequent visit: $12}

Major dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $800}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $45}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person up to $1,300 per policy}

{combined limit for exercise physiology, occupational therapy & physiotherapy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $45}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$280 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $280}

{Single vision lenses & frames: $280}

Orthodontic*

Waiting period:  24 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{$2,400 lifetime limit}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $800}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $1,200 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $45}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person up to $1,300 per policy}

{combined limit for exercise physiology, occupational therapy & physiotherapy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $45}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person up to $1,300 per policy}

Examples of maximum benefits

{Initial visit: $48}

{Subsequent visit: $44}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person up to $1,300 per policy}

Examples of maximum benefits

{Initial visit: $70}

{Subsequent visit: $60}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $1,200 per policy}

{combined limit for acupuncture, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $34}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$650 per person up to $1,300 per policy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $55}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $45}

Ambulance Subscription refund - $52.50 for single/$105 for families. Health Aids & Appliances (combined limit & maximum benefits apply) – Blood Glucose Monitor - $260, Blood Pressure Monitor - $200, TENS Machine - $200, Nebuliser - $200, Constant Air Pressure monitor (CPAP) - $520, Hearing Aids - $1,100, Braces/Splints - up to $600, CAM Boot - up to $600, Artificial Limbs & Prosthesis - up to $600, Crutches/Walking Frame - up to $50, Wigs - up to $300, Compression Garments - up to $300. Waiting periods vary from one year to three years depending on appliance. Includes dentures - full set claimable every 3 years.

This policy does not include General treatment (Extras) cover for
Ante-natal/Post-natal classes
Audiology
Chinese medicine
Orthotics (podiatric orthoses)

Other features of this general treatment cover: Foot orthotics benefits payable after 12 months waiting period - limit combined with podiatry. Five Star Health Management benefits - a full list of services covered can be found on our website. Mental Health - benefit of $32 towards a consultation with a Counsellor or Mental Health Social Worker (service providers must be accredited by ARHG for benefit to payable) - limit combined with Psychology. Members paying by direct debit will receive a 2.5% discount (cheque or savings account only). Contact the Fund for further details.

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

Ambulance cover

Ambulance cover is provided by the State government in Tasmania (https://www.health.tas.gov.au/ambulance/fees_and_accounts) and Queensland (https://www.ambulance.qld.gov.au). In other states concession card holders may have free cover and there are subscription services in several states (https://privatehealth.gov.au/health_insurance/what_is_covered/ambulance.htm).

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

Insurer Details

Mildura Health Fund

Five Star Extras - E1

$286.20 / month

(Before Rebate, Discount & Loading)

Available in All States

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/MDH/I4/AABM2Y

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