SmartPlus – Hospital + Extras + Bonus
A great option if you’re young and healthy, but want cover for more than just the basics. A good option if you’re planning to start a family or have more children.
- Cover for a wide range of hospital treatments
- Some restricted services
- Greater extras options with a Flexi-Fund feature
- No excess for kids
Hospital
What's covered?
We'll pay benefits towards (less any applicable excess):
- Private hospital accommodation
- - Private room
- - Same day admission
- - Intensive care
- - Theatre fees
- Public hospital accommodation as a private patient
- - Overnight accommodation in a shared or private room
- - Same day admissions (shared room only)
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.
More on restricted services.
Your excess
This cover includes an excess of $200, which applies each time a member is admitted to hospital. You won't pay more than $500 per single membership or $1,000 per couple/family membership each calendar year.
Extras
What's covered?
We'll pay benefits towards:
Flexibility with Flexi-Fund
SmartPlus includes a Flexi-Fund which allows you to claim up to $300 per person to a maximum of $600 per couple/family membership across the following services (sub-limits may apply):
- Major dental such as orthodontic treatment
- Alternative therapies such as chiropractic and naturopathy
- Other therapies such as podiatry and speech therapy
- Health appliances such as nebulisers and blood glucose monitors
- Clinical psychology consultations.
Check out the comparison table to find out about the annual limits and sub-limits that apply to benefits for extras items and the above services.
Take the package, get a bonus
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
Any member may claim PackageBonus benefits up to the maximum membership limit.
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 |
| First calendar year of membership |
$50 |
$100 |
| Second calendar year of membership and each calendar year thereafter |
$100 |
$200 |
| Maximum membership limit |
$500 |
$1,000 |
Any unused PackageBonus will be added to the following year’s entitlement up to the maximum membership limit shown above, provided you stay on the same membership and on a cover with a PackageBonus.
Before you join it's important that you take a look at Things Worth Knowing for information on waiting periods (including the pre-existing ailment rule) and other benefit assessment information.
If you are unsure of a term or phrase used, check out our Glossary.