AdvantagePlus

Comprehensive hospital and extras cover in one convenient package.
  • Comprehensive packaged cover
  • No Restricted Services
  • Rewards you with a PackageBonus
  • No annual limit on General Dental
  • Choice of doctor and hospital
  • No Excess for Children
  • Free check-up, scale and clean twice a year when you visit a Members' Choice dentist
  • Covers Medically Necessary Ambulance Transport
  • Avoid the Medicare Levy Surcharge
  • Access to our betterhealth programs

AdvantagePlus Hospital

What is covered?

We'll pay Benefits towards:

Public Hospitals

If you choose to go to a public hospital as a private patient we cover the cost of (less any applicable Excess):

  • Overnight accommodation for shared and private room
  • Shared room only for Same Day Admissions.

Excess

This cover includes an Excess of $200 which applies each time a Member is admitted to hospital.

  • You will not pay more than $500 per Single Membership and $1,000 for Couple Memberships each Calendar Year.
  • If your Dependent Child is admitted to hospital you won't have to pay the Excess.

AdvantagePlus Extras

What's covered?

We'll pay benefits towards:

  • General Dental (no Annual Limit)
  • Endodontic Services
  • Optical items
  • Physiotherapy
  • Pharmaceutical Prescriptions (non-PBS)
  • Medically Necessary Ambulance Transport.

Plus you'll also get...

  • Major Dental including dentures, crowns and bridges, and orthodontics
  • Alternative therapies including chiropractic and naturopathy
  • Other therapies including podiatry and speech pathology
  • Health appliances including hearing aids, blood glucose monitors and nebulisers
  • Clinical psychology consultations
  • School Accident treatment.

Find out more about AdvantagePlus Extras or see more on Waiting Periods, Annual Limits and other Benefit assessment information.

Limits

Once the Annual Limit or Sub-limit has been reached, no further Benefits are payable for those extras services for that person until the next Calendar Year. Limits for health appliances may not be based on a Calendar Year. There are also some limits that apply to the Membership as a whole.

PackageBonus

It's an amount of money that accumulates each year to help pay for a range of approved Membership and health-related expenses.

How the PackageBonus works

Each Member may claim PackageBonus Benefits up to their individual cumulative limit. When a Membership consists of 3 or more persons, it is not possible for all the Members to claim their full individual PackageBonus within the same Calendar Year.

PackageBonus entitlements

There is a 6 month Waiting Period and entitlements apply from 1 January each year.

  Single Membership Couple, Family and Single Parent Family Membership
    Per Person Overall
First Calendar Year of Membership $50 $50 $100
Second Calendar Year of Membership and each Calendar Year thereafter $100 $100 $200
Maximum limit at any one time $500 $500 $1,000

Any unused PackageBonus will be added to the following year's entitlement up to the maximum limit shown above. Subject to this, if you do not use it, you will not lose it, as long as you continuously remain a Member of SmartPlus, HealthyPlus, AdvantagePlus or PremierPlus.

Before you join, make sure you read our Glossary of terms and Important Information about our Fund Rules, such as Waiting Periods (including the Pre-Existing Ailment Rule) and other assessment information.

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Other Joining Options

Call us on:

132 331 within Australia
+61 3 8622 5780 outside Australia

8am - 8pm Monday to Friday or
8am - 4pm on Saturday,
Australian Eastern Standard Time