Your Search Results

The Private Health Information Statements (PHIS) for the policies you selected are attached.
You can use these PHIS to compare selected features of health insurance policies but please
bear in mind that it is only a summary of key product features. If you are unsure, contact the
insurer to confirm whether a specific item is covered.

As with all types of insurance, conditions will apply, so don't just rely on the Statement. Once you
have full details from a fund, make sure you read the policy carefully before signing up and
paying your premium.

Benefits will vary depending on the treatments you are having, who treats you and in what
hospital. Please make sure you discuss possible out-of-pocket costs with your doctor, insurer
and the hospital before undergoing treatment.

The premiums shown on the PHIS are the standard premiums which do not include any
applicable Government rebates, Lifetime Health Cover loading, 18-29-year-old discounts or
insurer discounts. The actual premium will vary depending on your circumstances.

Products you selected

CDH Benefits Fund - SILVER+ Young Hospital & Ideal Extras (Excess2) (Single) (Combined)

HCF - HCF MY FAMILY SILVER PLUS $750 EXCESS (Combined)

Health Care Insurance Limited - Gold Hospital - $750 excess with Active Life Extras
(Combined)

Peoplecare Health Insurance - Gold Hospital $750 & Simple Extras (Combined)

Phoenix Health Fund Limited - Silver Plus Content 750 & Kick Start Extras 50 (Combined)

Health Partners - Gold Hospital $750 Excess with Freedom Extras (Combined)

If you have any queries about these Private Health Information Statements, please contact the
relevant health fund (contact details are at the top left of each PHIS).

You can find more information on private health insurance and search for additional policies that
match your needs on our website https://privatehealth.gov.au

Thank you for using PrivateHealth.gov.au.

Generated 13 April 2021 www.PrivateHealth.gov.au

  
 

Private Health Information Statement - Combined policy

SILVER+ Young Hospital & Ideal Extras (Excess2) (Single)

CDH Benefits Fund Monthly Premium Covers only one person

http://www.hunterhi.com.au Available in Victoria
enquiries@hunterhi.com.au
$244.14 #
(before any rebate, loading or discount)
02 4990 1385
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or
an insurer discount. Check with your insurer for details.

Hospital cover Covered

This policy exempts you from the Medicare Levy
Surcharge.
This policy provides accident cover and benefits for travel
or accommodation (outside of hospital) - check with your
insurer for details.
For information on what is covered under each category, see
https://privatehealth.gov.au/categories
Restricted
Restricted categories partially cover your hospital costs as a
private patient in a public hospital. You may incur significant
expenses in a private room or private hospital.
Not Covered
These categories are not covered by this policy.

This policy includes cover for

Back, neck and spine Gastrointestinal endoscopy Pain management

Blood Gynaecology Pain management with device

Bone, joint and muscle Heart and vascular system Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon

Brain and nervous system Hernia and appendix
– limited benefits)

Implantation of hearing
Breast surgery (medically necessary) Pregnancy and birth
devices

Chemotherapy, radiotherapy and

Insulin pumps Skin
immunotherapy for cancer

Dental surgery Joint reconstructions Sleep studies

Diabetes management (excluding insulin

Kidney and bladder Tonsils, adenoids and grommets
pumps)

Digestive system Lung and chest Hospital psychiatric services

Ear, nose and throat Male reproductive system Palliative care

Miscarriage and termination of

Eye (not cataracts) Rehabilitation
pregnancy

This policy does not include cover for

Assisted reproductive services Dialysis for chronic kidney failure Weight loss surgery

Cataracts Joint replacements

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an
agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for
which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

PrivateHealth.gov.au Date statement issued: 01 April 2021

PolicyID: CDH/J14/VCEB10 Page 1 of 3
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health
insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket
costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per year.

Co-payments: No co-payment

The following waiting periods for hospital admissions apply to new or upgrading members
Waiting periods:
2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth
2 months for all other treatments

Other features of this hospital cover

NSW/ACT residents -Ambulance coverage is included Australia wide. Residents of all other States please contact the
fund for details. NOTE: This Hospital cover provides cover for a Gap Cover Scheme minimising Out-of-Pocket expenses
for Doctors services. ***Accident cover is allowed provided you are admitted to hospital (1 day waiting period).

For further information about this policy see

http://www.cdhbf.com.au/Products%20and%20rates.html

General Treatment Cover

This policy includes General treatment (Extras) cover for
Waiting period Benefit limits (per 12 months unless
Treatment Examples of maximum benefits
(months) otherwise stated)
Periodic oral examination - $21.00
$400 per policy Scale & clean - $34.00
General dental 2
2 service(s) every 1 year Fluoride treatment - $25.00
Surgical tooth extraction - $55.00

Single vision lenses & frames - $145.00

Optical 6 1 appliance(s) every 1 year
Multi-focal lenses & frames - $185.00

Non PBS pharmaceuticals 2 $450 per policy Per eligible prescription - $50.00

Initial visit - $36.00

Physiotherapy 2
Subsequent visit - $30.00

Initial visit - $26.00

Chiropractic 2
Subsequent visit - $22.00

$600 per policy Initial visit - $25.00

Podiatry 2
(combined limit for physiotherapy, chiropractic, Subsequent visit - $22.00
podiatry, psychology, acupuncture & remedial
Initial visit - $25.00
Psychology 2 massage)
Subsequent visit - $25.00

Initial visit - $25.00

Acupuncture 2
Subsequent visit - $22.00

Initial visit - $20.00

Remedial massage 2
Subsequent visit - $20.00

Does not include treatment for: Alexander technique; Aromatherapy; Bowen therapy; Buteyko; Feldenkrais; Western herbalism; homeopathy; iridology;
kinesiology; naturopathy; Pilates; reflexology; Rolfing; Shiatsu; Tai chi; Yoga

This policy does not include General treatment (Extras) cover for

Blood glucose monitors Hearing aids Orthodontic

Endodontic Major dental Other treatments - check with your insurer

Other features of this general treatment cover

PrivateHealth.gov.au Date statement issued: 01 April 2021
PolicyID: CDH/J14/VCEB10 Page 2 of 3
Other Dental benefits included Restorations i.e. Fillings, Metallic, 3 or more adhesive, and Posterior tooth 3 or more
surfaces

For further information about this policy see

http://www.cdhbf.com.au/Products%20and%20rates.html

Ambulance cover
Pensioner Concession Card and Healthcare Card holders are entitled to free clinically necessary ambulance transport. If
you are not eligible for a concession and want to be covered, you can purchase insurance from a private health insurer or
take out a subscription with the state ambulance service (https://www.ambulance.vic.gov.au/membership).

For further information about this policy see

http://www.cdhbf.com.au/Ambul_cover.html

Disclaimer
The information contained in this Private Health Information Statement was provided by the insurer and is intended as
general information. It may not take into account your particular circumstances. For information please contact the
insurer.

PrivateHealth.gov.au Date statement issued: 01 April 2021

PolicyID: CDH/J14/VCEB10 Page 3 of 3
  
 

Private Health Information Statement - Combined policy

HCF MY FAMILY SILVER PLUS $750 EXCESS

HCF Monthly Premium Covers only one person

http://www.hcf.com.au Available in Victoria
service@hcf.com.au
$238.90 #
(before any rebate, loading or discount)
13 13 34
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or
an insurer discount. Check with your insurer for details.

Hospital cover Covered

This policy exempts you from the Medicare Levy
Surcharge.
This policy provides accident cover and benefits for travel
or accommodation (outside of hospital) - check with your
insurer for details.
For information on what is covered under each category, see
https://privatehealth.gov.au/categories
Restricted
Restricted categories partially cover your hospital costs as a
private patient in a public hospital. You may incur significant
expenses in a private room or private hospital.
Not Covered
These categories are not covered by this policy.

This policy includes cover for

Back, neck and spine Gastrointestinal endoscopy Palliative care

Blood Gynaecology Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon

Bone, joint and muscle Heart and vascular system
– limited benefits)

Brain and nervous system Hernia and appendix Pregnancy and birth

Implantation of hearing
Breast surgery (medically necessary) Rehabilitation
devices

Chemotherapy, radiotherapy and

Joint reconstructions Skin
immunotherapy for cancer

Dental surgery Kidney and bladder Sleep studies

Diabetes management (excluding insulin

Lung and chest Tonsils, adenoids and grommets
pumps)

Digestive system Male reproductive system Hospital psychiatric services

Miscarriage and termination of

Ear, nose and throat
pregnancy

Eye (not cataracts) Pain management

This policy does not include cover for

Assisted reproductive services Insulin pumps Weight loss surgery

Cataracts Joint replacements

Dialysis for chronic kidney failure Pain management with device

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an
agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for
PrivateHealth.gov.au Date statement issued: 01 April 2021
PolicyID: HCF/J36/VNEE10 Page 1 of 3
which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health
insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket
costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $750
per policy per year.

Excess payments do not apply to hospital admissions for accidents.

Co-payments: No co-payment

The following waiting periods for hospital admissions apply to new or upgrading members
Waiting periods:
2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth
2 months for all other treatments

Other features of this hospital cover

Affordable hospital cover packaged with flexible extras. Designed for growing families who want pregnancy cover and a
range of extras services and therapies. Includes involuntary unemployment assistance and access to over 100 exclusive
offers through HCF Thank You. For more information visit: www.hcf.com.au/thankyou. Includes Accident Safeguard,
Travel and Accommodation benefits for hospital stays and cover for unlimited emergency ambulance trips. No excess for
Accident related treatment and dependents. See fund rules for more information.

General Treatment Cover

This policy includes General treatment (Extras) cover for

Note, for items marked with an asterisk *: Features a combined limit of $800 per person per calendar year.

Waiting period Benefit limits (per 12 months unless

Treatment Examples of maximum benefits
(months) otherwise stated)
Periodic oral examination - $33.00
$800 per policy
General dental* 2 Scale & clean - $62.00
(combined limit for general dental, major dental,
Fluoride treatment - $27.00
endodontic, non pbs pharmaceuticals, physiotherapy,
chiropractic, psychology, acupuncture, remedial Surgical tooth extraction - $157.00
Major dental* 12 massage, chinese medicine, dietetics/dietary advice, Full crown veneered - $600.00
exercise physiology, health management / healthy
Endodontic* 12 lifestyle, osteopathy, vaccinations & other services) Filling of one root canal - $165.00

Single vision lenses & frames - $200.00

Optical 2 $200 per policy
Multi-focal lenses & frames - $200.00

Non PBS pharmaceuticals* 2 Combined limit - see General dental Per eligible prescription - $50.00

Initial visit - $56.00

Physiotherapy* 2 Combined limit - see General dental
Subsequent visit - $49.00

Initial visit - $38.00

Chiropractic* 2 Combined limit - see General dental
Subsequent visit - $31.00

Initial visit - $65.00

Psychology* 2 Combined limit - see General dental
Subsequent visit - $65.00

Initial visit - $36.00

Acupuncture* 2 Combined limit - see General dental
Subsequent visit - $31.00

Initial visit - $36.00

Remedial massage* 2 Combined limit - see General dental
Subsequent visit - $31.00

Initial visit - $36.00

Chinese medicine* 2 Combined limit - see General dental
Subsequent visit - $31.00

Initial visit - $35.00

Dietetics/dietary advice* 2 Combined limit - see General dental
Subsequent visit - $35.00
PrivateHealth.gov.au Date statement issued: 01 April 2021
PolicyID: HCF/J36/VNEE10 Page 2 of 3
 Initial visit - $33.00
Exercise physiology* 2 Combined limit - see General dental
Subsequent visit - $33.00

Health management / Healthy

2 Combined limit - see General dental Health management - $110.00
lifestyle*

Initial visit - $46.00

Osteopathy* 2 Combined limit - see General dental
Subsequent visit - $36.00

Vaccinations* 2 Combined limit - see General dental Per service - $50.00

Services with in the combined limit include: Dietetics, Health Management Programs, Osteopathy, Vaccines and immunisations, Chinese herbal medicine
consults & Myotherapy. Health Management Programs include ante/post natal services such as child birth education classes, lactation consults, pregnancy
compression garments & Australian Breastfeeding Assoc fees, learn to swim courses, weight management programs and gym membership fees for specific
health conditions. See fund rules for more information.

This policy does not include General treatment (Extras) cover for

Blood glucose monitors Orthodontic Other treatments - check with your insurer

Hearing aids Podiatry

Other features of this general treatment cover

A flexible mid level extras package that covers a range of services particularly for growing families. Health Management
Programs include ante/post natal services such as child birth education classes, lactation consults, pregnancy
compression garments & Australian Breastfeeding Association fees.

Ambulance cover
In Victoria this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover

Cover for unlimited air, land and sea emergency ambulance trips and treatment by paramedics in Australia for services
provided by recognised Ambulance Service Providers. Benefits are not payable when covered by another third party or
other funding arrangement, such as a State government scheme. See fund rules for more information.

For further information about this policy see

https://www.hcf.com.au/faqs/faqs-cover#what-is-ambulance-cover

Disclaimer
The information contained in this Private Health Information Statement was provided by the insurer and is intended as
general information. It may not take into account your particular circumstances. For information please contact the
insurer.

PrivateHealth.gov.au Date statement issued: 01 April 2021

PolicyID: HCF/J36/VNEE10 Page 3 of 3
  
 

Private Health Information Statement - Combined policy

Gold Hospital - $750 excess with Active Life Extras

Health Care Insurance Monthly Premium Covers only one person

Limited Available in Victoria
$268.90 #
http://www.hciltd.com.au
(before any rebate, loading or discount)
enquiries@hciltd.com.au
1800 804 950
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or
an insurer discount. Check with your insurer for details.

Hospital cover Covered

This policy exempts you from the Medicare Levy
Surcharge.
This policy does not provide accident cover or benefits for
travel and accommodation (outside of hospital).
For information on what is covered under each category, see
https://privatehealth.gov.au/categories
Restricted
Restricted categories partially cover your hospital costs as a
private patient in a public hospital. You may incur significant
expenses in a private room or private hospital.

Not Covered
These categories are not covered by this policy.

This policy includes cover for

Assisted reproductive services Eye (not cataracts) Miscarriage and termination of pregnancy

Gastrointestinal
Back, neck and spine Pain management
endoscopy

Blood Gynaecology Pain management with device

Heart and vascular

Bone, joint and muscle Palliative care
system

Brain and nervous system Hernia and appendix Plastic and reconstructive surgery (medically necessary)

Hospital psychiatric Podiatric surgery (provided by a registered podiatric surgeon –

Breast surgery (medically necessary)
services limited benefits)

Implantation of hearing
Cataracts Pregnancy and birth
devices

Chemotherapy, radiotherapy and

Insulin pumps Rehabilitation
immunotherapy for cancer

Dental surgery Joint reconstructions Skin

Diabetes management (excluding insulin

Joint replacements Sleep studies
pumps)

Dialysis for chronic kidney failure Kidney and bladder Tonsils, adenoids and grommets

Digestive system Lung and chest Weight loss surgery

Male reproductive
Ear, nose and throat
system

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an
agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for
which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

PrivateHealth.gov.au Date statement updated: 13 April 2021

PolicyID: HCI/J1D/VCHM10 Page 1 of 3
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health
insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket
costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $750
per policy per year.

Co-payments: No co-payment

The following waiting periods for hospital admissions apply to new or upgrading members
Waiting periods:
2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
2 months for all other treatments
12 months for pregnancy and birth

Other features of this hospital cover

Excess does not apply to any dependants under the age of 18.

For further information about this policy see

https://hciltd.com.au/packaged-cover

General Treatment Cover

By using this health insurer's "preferred providers" you will have lower out-of-pocket costs on Dental and have access to
more "no gap" services. A list of "preferred providers" is available from the health insurer.

This policy includes General treatment (Extras) cover for

Waiting period Benefit limits (per 12 months unless
Treatment Examples of maximum benefits
(months) otherwise stated)
Periodic oral examination - $27.00
Scale & clean - $40.00
General dental 6
Fluoride treatment - $13.00
$500 per policy Surgical tooth extraction - $89.00
(combined limit for general dental, major dental &
Major dental 12 endodontic - Sub-limits apply) Full crown veneered - $425.00

Endodontic 6 Filling of one root canal - $107.00

$220 per policy Single vision lenses & frames - $170.00

Optical 6
(Sub-limits apply) Multi-focal lenses & frames - $220.00

$400 per policy

Initial visit - $22.00
Physiotherapy 2 (combined limit for physiotherapy & exercise
Subsequent visit - $22.00
physiology)

Initial visit - $22.00

Chiropractic 2
Subsequent visit - $22.00
$400 per policy
Initial visit - $22.00
Acupuncture 2 (combined limit for chiropractic, acupuncture &
Subsequent visit - $22.00
remedial massage)
Initial visit - $22.00
Remedial massage 2
Subsequent visit - $22.00

Initial visit - $22.00

Exercise physiology 2 Combined limit - see Physiotherapy
Subsequent visit - $22.00

This policy does not include General treatment (Extras) cover for

Blood glucose monitors Orthodontic Other treatments - check with your insurer

Hearing aids Podiatry

Non PBS pharmaceuticals Psychology

PrivateHealth.gov.au Date statement updated: 13 April 2021

PolicyID: HCI/J1D/VCHM10 Page 2 of 3
For further information about this policy see
https://hciltd.com.au/packaged-cover

Ambulance cover
Pensioner Concession Card and Healthcare Card holders are entitled to free clinically necessary ambulance transport. If
you are not eligible for a concession and want to be covered, you can purchase insurance from a private health insurer or
take out a subscription with the state ambulance service (https://www.ambulance.vic.gov.au/membership).

For further information about this policy see

https://hciltd.com.au/extras-cover

Disclaimer
The information contained in this Private Health Information Statement was provided by the insurer and is intended as
general information. It may not take into account your particular circumstances. For information please contact the
insurer.

PrivateHealth.gov.au Date statement updated: 13 April 2021

PolicyID: HCI/J1D/VCHM10 Page 3 of 3
  
 

Private Health Information Statement - Combined policy

Gold Hospital $750 & Simple Extras

Peoplecare Health Monthly Premium Covers only one person

Insurance Available in Victoria
$288.89 #
http://www.peoplecare.com.au
(before any rebate, loading or discount)
info@peoplecare.com.au
1800 808 690
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or
an insurer discount. Check with your insurer for details.

Hospital cover Covered

For information on what is covered under each category, see
https://privatehealth.gov.au/categories
This policy exempts you from the Medicare Levy
Surcharge. Restricted
Restricted categories partially cover your hospital costs as a
This policy provides accident cover - check with your private patient in a public hospital. You may incur significant
insurer for details. expenses in a private room or private hospital.

This policy does not provide benefits for travel or Not Covered
These categories are not covered by this policy.
accommodation (outside of hospital).

This policy includes cover for

Assisted reproductive services Eye (not cataracts) Miscarriage and termination of pregnancy

Gastrointestinal
Back, neck and spine Pain management
endoscopy

Blood Gynaecology Pain management with device

Heart and vascular

Bone, joint and muscle Palliative care
system

Brain and nervous system Hernia and appendix Plastic and reconstructive surgery (medically necessary)

Hospital psychiatric Podiatric surgery (provided by a registered podiatric surgeon –

Breast surgery (medically necessary)
services limited benefits)

Implantation of hearing
Cataracts Pregnancy and birth
devices

Chemotherapy, radiotherapy and

Insulin pumps Rehabilitation
immunotherapy for cancer

Dental surgery Joint reconstructions Skin

Diabetes management (excluding insulin

Joint replacements Sleep studies
pumps)

Dialysis for chronic kidney failure Kidney and bladder Tonsils, adenoids and grommets

Digestive system Lung and chest Weight loss surgery

Male reproductive
Ear, nose and throat
system

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an
agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for
which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
PrivateHealth.gov.au Date statement issued: 01 April 2021
PolicyID: LHM/J32/VDEB10 Page 1 of 3
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health
insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket
costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess on admission. This is limited to a maximum of $750 per person and $750 per
policy per year.

Co-payments: No co-payment

The following waiting periods for hospital admissions apply to new or upgrading members
Waiting periods:
2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth
2 months for all other treatments

Other features of this hospital cover

The biggest test of a health fund is what they do when you need them. Peoplecare excels at caring for members in need.
Call our member advocate team and we’ll guide you through the health system and let you know about some of our free
health programs to help you kick your health goals out of the park. Plus, you may be able to substitute your hospital stay
and rehab with VIP treatment in the comfort of your own home. Brilliant! Peoplecare. Not-for-profit, full of mwah!

For further information about this policy see

https://peoplecare.com.au/_Documents/Cover-Descriptions/Gold-Hospital-750-excess-and-Simple-Extras.pdf

General Treatment Cover

Peoplecare provides the same benefits for all registered providers. You have the power to choose your trusted extras
providers. See https://peoplecare.com.au/Members/Providers/Other-health-providers.

This policy includes General treatment (Extras) cover for

Waiting period Benefit limits (per 12 months unless
Treatment Examples of maximum benefits
(months) otherwise stated)
Periodic oral examination - 50% of charge
Scale & clean - 50% of charge
General dental 2 $500 per policy
Fluoride treatment - 50% of charge
Surgical tooth extraction - 50% of charge

Single vision lenses & frames - $150.00

Optical 6 $150 per policy
Multi-focal lenses & frames - $150.00

$200 per policy

Non PBS pharmaceuticals 2 (combined limit for non pbs pharmaceuticals & Per eligible prescription - $50.00
vaccinations - Sub-limits apply)

$300 per policy

(combined limit for physiotherapy, exercise physiology, Initial visit - $35.00
Physiotherapy 2
eye therapy (orthoptics), occupational therapy & other Subsequent visit - $25.00
services)

$300 per policy Initial visit - $35.00

Chiropractic 2
(combined limit for chiropractic & osteopathy) Subsequent visit - $25.00

Initial visit - 50% of charge

Exercise physiology 2 Combined limit - see Physiotherapy
Subsequent visit - 50% of charge

Initial visit - $35.00

Eye therapy (orthoptics) 2 Combined limit - see Physiotherapy
Subsequent visit - $25.00

Health management / Healthy

6 $100 per policy Health management - 50% of charge
lifestyle

Initial visit - $35.00

Occupational therapy 2 Combined limit - see Physiotherapy
Subsequent visit - $25.00

Initial visit - $35.00

Osteopathy 2 Combined limit - see Chiropractic
Subsequent visit - $25.00

PrivateHealth.gov.au Date statement issued: 01 April 2021

PolicyID: LHM/J32/VDEB10 Page 2 of 3
 Combined limit - see Non PBS
Vaccinations 2 Per service - 50% of charge
pharmaceuticals

This policy does not include General treatment (Extras) cover for

Acupuncture Major dental Remedial massage

Blood glucose monitors Orthodontic Other treatments - check with your insurer

Endodontic Podiatry

Hearing aids Psychology

Other features of this general treatment cover

National ambulance cover for medically necessary treatment & transport. Health Management benefits for approved
health screening tests as well as health programs like quit smoking courses, stress management & weight control. 24x7
Online Member Services. Easy HICAPS, online & mobile claiming options

For further information about this policy see

https://peoplecare.com.au/_Documents/Cover-Descriptions/Gold-Hospital-750-excess-and-Simple-Extras.pdf

Ambulance cover
In Victoria this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Non-emergency: Unlimited transport with a waiting period of 1 day, or 1 day for pre-existing conditions.

Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.

For further information about this policy see

https://www.peoplecare.com.au/Members/Levels-of-Cover/Extras-Cover/Ambulance-Cover

Disclaimer
The information contained in this Private Health Information Statement was provided by the insurer and is intended as
general information. It may not take into account your particular circumstances. For information please contact the
insurer.

PrivateHealth.gov.au Date statement issued: 01 April 2021

PolicyID: LHM/J32/VDEB10 Page 3 of 3
  
 

Private Health Information Statement - Combined policy

Silver Plus Content 750 & Kick Start Extras 50

Phoenix Health Fund Monthly Premium Covers only one person

Limited Available in Victoria
$255.65 #
http://www.phoenixhealthfund.com.au
(before any rebate, loading or discount)
enquiries@phoenixhealthfund.com.au
1800 028 817
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading,
an age-based discount or an insurer discount. Check with your insurer for details.

Hospital cover Covered

This policy exempts you from the Medicare Levy
Surcharge.
This policy provides accident cover and benefits for travel
or accommodation (outside of hospital) - check with your
insurer for details.
For information on what is covered under each category, see
https://privatehealth.gov.au/categories
Restricted
Restricted categories partially cover your hospital costs as a
private patient in a public hospital. You may incur significant
expenses in a private room or private hospital.
Not Covered
These categories are not covered by this policy.

This policy includes cover for

Assisted reproductive services Ear, nose and throat Male reproductive system

Back, neck and spine Eye (not cataracts) Miscarriage and termination of pregnancy

Gastrointestinal
Blood Pain management
endoscopy

Bone, joint and muscle Gynaecology Plastic and reconstructive surgery (medically necessary)

Heart and vascular Podiatric surgery (provided by a registered podiatric surgeon –

Brain and nervous system
system limited benefits)

Breast surgery (medically necessary) Hernia and appendix Pregnancy and birth

Implantation of hearing
Cataracts Rehabilitation
devices

Chemotherapy, radiotherapy and

Joint reconstructions Skin
immunotherapy for cancer

Dental surgery Joint replacements Tonsils, adenoids and grommets

Diabetes management (excluding insulin

Kidney and bladder Hospital psychiatric services
pumps)

Digestive system Lung and chest Palliative care

This policy does not include cover for

Dialysis for chronic kidney failure Pain management with device Weight loss surgery

Insulin pumps Sleep studies

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an
agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for
PrivateHealth.gov.au Date statement issued: 01 April 2021
PolicyID: PWA/SCE5/VMNU10 Page 1 of 3
which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health
insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket
costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $750
per policy per year.

Co-payments: No co-payment

The following waiting periods for hospital admissions apply to new or upgrading members
Waiting periods:
2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
2 months for all other treatments
12 months for pregnancy and birth

General Treatment Cover

This policy includes General treatment (Extras) cover for

Note, for items marked with an asterisk *: 100% benefit available on preventative dental services– includes items 012, 013, 111, 114, 115, 121, 161.
Claimable once per appointment, up to twice per person per calendar year up to General Dental limits.

Waiting period Benefit limits (per 12 months unless

Treatment Examples of maximum benefits
(months) otherwise stated)
Periodic oral examination - 100% of charge
General dental* 2 $500 per policy Scale & clean - 100% of charge
Fluoride treatment - 100% of charge

$200 per policy

Non PBS pharmaceuticals 2 (combined limit for non pbs pharmaceuticals & Per eligible prescription - 50% of charge
vaccinations)

Initial visit - 50% of charge

Physiotherapy 2
Subsequent visit - 50% of charge

Initial visit - 50% of charge

Chiropractic 2
Subsequent visit - 50% of charge
$400 per policy
(combined limit for physiotherapy, chiropractic, Initial visit - 50% of charge
Remedial massage 2
remedial massage, exercise physiology & osteopathy - Subsequent visit - 50% of charge
Sub-limits apply)
Initial visit - 50% of charge
Exercise physiology 2
Subsequent visit - 50% of charge

Initial visit - 50% of charge

Osteopathy 2
Subsequent visit - 50% of charge

Combined limit - see Non PBS

Vaccinations 2 Per service - 50% of charge
pharmaceuticals

*$200 sublimit for Physiotherapy/ Myotherapy & Exercise Physiology; $200 sublimit for Chiropractic, Osteopathy & Remedial Massage; up to overall combined
limit of $400. *Non PBS Pharmaceuticals benefit applies after PBS co-payment is applied.

This policy does not include General treatment (Extras) cover for

Acupuncture Major dental Psychology

Blood glucose monitors Optical Other treatments - check with your insurer

Endodontic Orthodontic

Hearing aids Podiatry

Ambulance cover

PrivateHealth.gov.au Date statement issued: 01 April 2021

PolicyID: PWA/SCE5/VMNU10 Page 2 of 3
In Victoria this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Non-emergency: Unlimited transport with a waiting period of 1 day, or 1 day for pre-existing conditions.

Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.

For further information about this policy see

https://phoenixhealthfund.com.au/ambulance-coverage/

Disclaimer
The information contained in this Private Health Information Statement was provided by the insurer and is intended as
general information. It may not take into account your particular circumstances. For information please contact the
insurer.

PrivateHealth.gov.au Date statement issued: 01 April 2021

PolicyID: PWA/SCE5/VMNU10 Page 3 of 3
  
 

Private Health Information Statement - Combined policy

Gold Hospital $750 Excess with Freedom Extras

Health Partners Monthly Premium Covers only one person

http://www.healthpartners.com.au Available in Victoria
ask@healthpartners.com.au
$277.55 #
(before any rebate, loading or discount)
1300 113 113
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading,
an age-based discount or an insurer discount. Check with your insurer for details.

Hospital cover Covered

This policy exempts you from the Medicare Levy
Surcharge.
This policy does not provide accident cover or benefits for
travel and accommodation (outside of hospital).
For information on what is covered under each category, see
https://privatehealth.gov.au/categories
Restricted
Restricted categories partially cover your hospital costs as a
private patient in a public hospital. You may incur significant
expenses in a private room or private hospital.

Not Covered
These categories are not covered by this policy.

This policy includes cover for

Assisted reproductive services Eye (not cataracts) Miscarriage and termination of pregnancy

Gastrointestinal
Back, neck and spine Pain management
endoscopy

Blood Gynaecology Pain management with device

Heart and vascular

Bone, joint and muscle Palliative care
system

Brain and nervous system Hernia and appendix Plastic and reconstructive surgery (medically necessary)

Hospital psychiatric Podiatric surgery (provided by a registered podiatric surgeon –

Breast surgery (medically necessary)
services limited benefits)

Implantation of hearing
Cataracts Pregnancy and birth
devices

Chemotherapy, radiotherapy and

Insulin pumps Rehabilitation
immunotherapy for cancer

Dental surgery Joint reconstructions Skin

Diabetes management (excluding insulin

Joint replacements Sleep studies
pumps)

Dialysis for chronic kidney failure Kidney and bladder Tonsils, adenoids and grommets

Digestive system Lung and chest Weight loss surgery

Male reproductive
Ear, nose and throat
system

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an
agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for
which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

PrivateHealth.gov.au Date statement issued: 01 October 2020

PolicyID: SPS/C100/VCMS10 Page 1 of 3
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health
insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket
costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $750
per policy per year.

Co-payments: No co-payment

The following waiting periods for hospital admissions apply to new or upgrading members
Waiting periods:
2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth
2 months for all other treatments

Other features of this hospital cover

Health Partners Support Programs: Hospital to Home; includes Hospital Guide, Hospital in the Home and Rehab in the
Home. Health Management Programs; Health Coaching & Newborn Support. Benefits directly related to an admission
and medically necessary: PBS approved prescriptions - 100% benefit & unlimited, Aids for recovery benefit 75% with
$100 limit, non-surgically implanted prosthesis benefit 75% with $150 limit. 12 month waiting period for insulin pumps
& hearing devices. Members can also access a range of discounts, refer to the ‘Member Discount’ page at
healthpartners.com.au.

General Treatment Cover

This policy includes General treatment (Extras) cover for
Waiting period Benefit limits (per 12 months unless
Treatment Examples of maximum benefits
(months) otherwise stated)
Periodic oral examination - $32.00
Scale & clean - $65.00
General dental 2
Fluoride treatment - $20.00
$900 per policy Surgical tooth extraction - $140.00
(combined limit for general dental, major dental &
Major dental 12 endodontic) Full crown veneered - $800.00

Endodontic 12 Filling of one root canal - $135.00

Single vision lenses & frames - 100% of charge

Optical 2 $150 per policy
Multi-focal lenses & frames - 100% of charge

$200 per policy

Non PBS pharmaceuticals 2 (combined limit for non pbs pharmaceuticals & Per eligible prescription - $40.00
vaccinations)

Initial visit - $40.00

Physiotherapy 2 $300 per policy Subsequent visit - $35.00
(combined limit for physiotherapy, chiropractic,
exercise physiology & osteopathy - Sub-limits apply) Initial visit - $40.00
Chiropractic 2
Subsequent visit - $35.00

$300 per policy Initial visit - $40.00

Podiatry 2
(combined limit for podiatry, psychology, Subsequent visit - $35.00
dietetics/dietary advice, eye therapy (orthoptics),
Initial visit - $75.00
Psychology 2 occupational therapy & speech therapy)
Subsequent visit - $75.00

Initial visit - $25.00

Acupuncture 2
Subsequent visit - $25.00
$100 per policy
Initial visit - $25.00
Remedial massage 2 (combined limit for acupuncture, remedial massage &
Subsequent visit - $25.00
chinese medicine)
Initial visit - $25.00
Chinese medicine 2
Subsequent visit - $25.00

Initial visit - $40.00

Dietetics/dietary advice 2 Combined limit - see Podiatry
Subsequent visit - $35.00

PrivateHealth.gov.au Date statement issued: 01 October 2020

PolicyID: SPS/C100/VCMS10 Page 2 of 3
 Initial visit - $40.00
Exercise physiology 2 Combined limit - see Physiotherapy
Subsequent visit - $35.00

Initial visit - $40.00

Eye therapy (orthoptics) 2 Combined limit - see Podiatry
Subsequent visit - $35.00

Initial visit - $40.00

Occupational therapy 2 Combined limit - see Podiatry
Subsequent visit - $35.00

Initial visit - $40.00

Osteopathy 2 Combined limit - see Physiotherapy
Subsequent visit - $35.00

Initial visit - $40.00

Speech therapy 2 Combined limit - see Podiatry
Subsequent visit - $35.00

Combined limit - see Non PBS

Vaccinations 2 Per service - $40.00
pharmaceuticals

This policy does not include General treatment (Extras) cover for

Blood glucose monitors Orthodontic

Hearing aids Other treatments - check with your insurer

Other features of this general treatment cover

Claim anywhere on included extras up to annual limits. 100% back on your optical limit. Combined limit on general and
major dental. Combined limits create flexibility for you to use your limit on what's important to you. Acupuncture and
Remedial Massage limits can also be used for other natural therapies, such as Chinese herbalism, myofascial release,
therapeutic massage, Swedish massage, myotherapy & nutritionist. T&Cs apply.

Ambulance cover
In Victoria this policy provides:

Emergency: Unlimited with a waiting period of 2 months.

Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover

Unlimited emergency ambulance as defined by Health Partners, is for an unplanned event where there is a serious
threat to your health, as a result of an accident, serious medical event or trauma, and immediate medical treatment is
needed. Transport costs are covered from the place where you are initially treated, to the nearest hospital that can
provide the necessary emergency medical treatment. This includes treatment where no transport is provided. It also
includes transport between hospitals only where the required emergency care could not be provided at the transferring
hospital. See Health Partners Member Guide for Terms & Conditions.

For further information about this policy see

https://www.healthpartners.com.au/health-insurance/understanding-private-health-insurance/faqs/

Disclaimer
The information contained in this Private Health Information Statement was provided by the insurer and is intended as
general information. It may not take into account your particular circumstances. For information please contact the
insurer.

PrivateHealth.gov.au Date statement issued: 01 October 2020

PolicyID: SPS/C100/VCMS10 Page 3 of 3