Healthy Plus: Hospital + Extras + Bonus

Basic packaged cover

I’m pretty healthy so I just want basic hospital and extras cover plus a bonus.
  • Budget-friendly
  • Avoid the Medicare Levy Surcharge
  • PackageBonus

Hospital

What's covered?

We cover all services where a Medicare benefit is payable unless it’s on the list of excluded or restricted services. Covered services include:

  • Colonoscopies
  • Appendicitis treatment
  • Removal of tonsils and adenoids
  • Knee reconstruction surgery and investigations
  • Shoulder reconstruction surgery and investigations
  • Surgical extraction of wisdom teeth
  • Palliative care.

For these services we pay benefits towards (less any applicable hospital excess):

  • Private hospital accommodation
  • - Overnight accommodation in a private or shared room
  • - Same day admissions
  • - Intensive care
  • - Theatre fees
  • Public hospital accommodation as a private patient
  • - Overnight accommodation in a private or shared room
  • - Same day admissions (shared room only)
  • Surgically implanted prostheses and other items on the Federal Government's Prostheses Schedule

What’s restricted?

We cover the following restricted services but pay lower benefits towards them in a private hospital:

  • Psychiatric treatment
  • Rehabilitation treatment.

What’s not covered?

We don’t pay benefits towards the following excluded services:

  • Cardio-thoracic procedures such as angiograms or open heart and bypass surgery
  • Major eye-surgery – including cataract and lens-related services
  • Hip and knee joint replacement surgery
  • Obstetrics-related services
  • Assisted reproductive services such as IVF and GIFT
  • Plastic and reconstructive surgery
  • Renal dialysis.

Your excess

This cover includes an excess of $500, which applies when a member is admitted to hospital. You won't pay more than $500 per member per calendar year. If your child is admitted to hospital you won’t have to pay the excess.

Extras

What's covered?

We pay benefits towards:

Check out the comparison table to find out about the annual limits and sub-limits that apply to benefits for extras items and services.

Take the package, get a bonus

PackageBonus is an amount of money that accumulates each year to help you pay for a range of approved membership and health-related expenses (e.g. payment towards your hospital excess, travel vaccinations and stop smoking programs).

Find out more about PackageBonus

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 pre-existing ailments) and other benefit assessment information.

Is this cover right for me?

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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