SmartPlus: Hospital + Extras + Bonus
Intermediate packaged cover
I’m young and healthy and want cover for more than just the basics.
- Cover for a wide range of hospital treatments
- Avoid the Medicare Levy Surcharge
- Greater extras options with the Flexi-Fund feature
- PackageBonus
Hospital
What's covered?
We cover all services where a Medicare benefit is payable unless it’s on the list of excluded services. Covered services include:
- Obstetrics-related services
- Assisted reproductive services
- Cardio-thoracic procedures such as angiograms or open heart and bypass surgery
- Colonoscopies
- Appendicitis treatment
- Removal of tonsils and adenoids
- Knee reconstruction surgery and investigations
- Shoulder reconstruction surgery and investigations
- Surgical extraction of wisdom teeth
- Plastic and reconstructive surgery (doesn’t include cosmetic surgery)
- Palliative care
- Psychiatric treatment
- Rehabilitation treatment
For these services we pay benefits towards (less any applicable 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 not covered?
We don’t pay benefits towards the following excluded services:
- Major eye surgery – including cataract and lens-related services
- Hip and knee joint replacement 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'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.
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Check out the comparison table to find out about the annual limits and sub-limits that apply to benefits for extras items and services.
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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.
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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?
