SmartPlus

Provides cover for an extensive range of hospital and extras services � great if you want cover for more than just the basics.
  • Intermediate packaged cover
  • Rewards you with a PackageBonus
  • Choice of doctor and hospital
  • Includes Obstetrics-related Services
  • 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

SmartPlus Hospital

What is covered?

We'll pay Benefits towards:

Restricted Services

We'll pay lower Benefits in a private hospital for:

  • In-hospital psychiatric or rehabilitation treatment
  • Cardio-thoracic Procedures such as angiograms or open heart and bypass surgery
  • Major Eye Surgery
  • Hip and knee joint replacement surgery.

Public Hospital

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.

SmartPlus Extras

What's covered?

We'll pay Benefits towards:

  • General Dental
  • Endodontic Services
  • Optical items
  • Physiotherapy
  • Pharmaceutical Prescriptions (non-PBS)
  • Medically Necessary Ambulance Transport.

Flexi-Fund

SmartPlus includes a Flexi-Fund which allows you to claim $300 per person to a maximum of $600 per Couple/Family and Single Parent Family Membership across the following services

(Sub-limits may apply):
  • Major Dental (such as orthodontics, dentures, crowns and bridges)
  • Alternative therapies including chiropractic and naturopathy
  • Other therapies including podiatry and speech therapy
  • Health appliances including hearing aids, nebulisers and blood glucose monitors
  • Clinical psychology consultations.

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.

Find out more about SmartPlus Extras or see more on Waiting Periods, Annual Limits and other Benefit 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