Single: a single policy covers only one person
Couple: a couple policy covers the person who establishes the policy as well as one other adult. The policy can be extended to cover dependant children at no additional cost.
Family: a family policy covers the person who establishes the policy as well as that person's spouse and all dependant children.
Dependant Children
"Dependant Child" means a legitimate child, an adopted child, a foster child, a stepchild, or an ex-nuptial child of the policy holder who;
(i) (a) has not attained the age of 21 years or
(b) is a full-time student (at a school, college or university) who is not aged 25 years or over, or
(c) is an apprentice who is not aged 25 years or over and does not earn more than $20,000 p.a.
and
(ii) does not have a partner
Hospital cover helps you afford treatment in private of public hospitals. You can receive the required treatment when and where you want it, and it can be performed by the doctor of your choice.
Taking hospital cover can also exempt you from paying the Medicare Levy Surcharge. People who don't have private health insurance and who earn over $70,000 per year for singles and over a combined income of $140,000 per year for families, (more if you have more than one child), pay an additional 1% tax.
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Extras cover helps with the cost of general private health services like dental, optical and physiotherapy. We have two levels of Extras cover which can be bundled together with Hospital cover.
Essential Extras - cover provides a comprehensive range of therapies and benefits with lower limits and premiums.
Premium Extras - cover provides a comprehensive range of therapies and benefits with generous limits to ensure out of pocket expenses are kept to a minimum.
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Health insurance premiums can be paid, weekly, monthly, quarterly, six monthly or annually. The premiums can be paid by direct debit, over the counter, cheques or Bpay.
We need to ask you for your date of birth so that we can calculate your health insurance premium correctly. Your premium is determined by:
We need to ask you for your partner's date of birth so that we can calculate your health insurance premium correctly. The premium is determined by:
The Federal Government will pay a 30, 35 or 40% rebate on all private health insurance premiums depending on your entitlement. This rebate can be deducted from the premium you have to pay or can be claimed with your annual tax return.
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Lifetime Health Cover is a Federal Government initiative that came into effect on 1 July 2000. It is designed to reward people who join a private health fund earlier in life by securing lower premium payments.
Under Lifetime Health Cover, if you're aged over 30 and don't have hospital cover, then for each year you delay joining, your membership fees will increase.
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Lifetime Health Cover is a Federal Government initiative that came into effect on 1 July 2000. It is designed to reward people who join a private health fund earlier in life by securing lower premium payments.
Under Lifetime Health Cover, if you're aged over 30 and don't have hospital cover, then for each year you delay joining, your membership fees will increase.
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Single
Private
No Rebate
No Extras
Nil excess
Monthly
151.25
$250 excess
Monthly
128.70
$500 excess
Monthly
105.50