Doctors' Health Fund
$901.28 / month
Before Rebate, Discount & Loading
Available in VIC
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.
This policy covers: Two adults & dependants (3 or more people, only 2 of whom are adults).
Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 31), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: A non-classified dependant is a child, stepchild or foster child between 18 and 21 years of age who does not have a partner and who may or may not be receiving full-time education at a school, college or university.
Restricted insurer: Membership of this insurer is restricted to Medical and allied health professionals, their families, medical students and AMA employees.
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.
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.
Excess: You will have to pay an excess on admission. This is limited to a maximum of $500 per person and $1000 per policy per year.
Co-payments: No co-payments
This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.
This cover is categorised as Gold as it includes cover for the full range of inpatient services eligible for Medicare benefits, meaning there are no exclusions and restrictions. Prime Choice Gold is ideal for families who are looking for comprehensive hospital cover.
For further information about this policy see: https://www.doctorshealthfund.com.au/our-health-cover
This health insurer does not operate a preferred provider scheme.
Note, for treatments marked with * : Orthodontic services accrue to a lifetime limit of $3,000 at $600 per year of membership. $700 optical limit every 2 years. Individual and group physiotherapy and hydrotherapy claimable under physiotherapy. Class physiotherapy and acupuncture claimable through health management when prescribed by your medical practitioner.
$250 per person up to $500 per policy
combined limit for acupuncture, health management / healthy lifestyle & other services
$1,000 per person
combined limit for ante-natal/post-natal classes, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services
sub-limits apply
$1,000 per person up to $500 per service
$4,200 per person
combined limit for endodontic, major dental & other services
$700 per person
combined limit for exercise physiology, physiotherapy & remedial massage
No annual limit
$1,600 per person
$600 per person
combined limit for non pbs pharmaceuticals & vaccinations
$3,000 lifetime limit
$900 per person
Major dental has sub-limits and is paid at fixed benefits per item. Combined annual limit of $1,000 for podiatry, dietetics, orthoptics, occupational therapy, speech therapy and pregnancy care (sub-limits of $600 per therapy and $200 per pair for orthotics up to 2 pairs per year). Group physiotherapy and hydrotherapy $20 per session. Benefit of $800 each for one left and one right hearing aid every 5 years. Benefit for laser eye surgery to each eye every 5 years. Home nursing $30 per visit up to 6 hours, $60 per visit over 6 hours. Pharmacy benefits paid at 85% of charge above the PBS co-payment to a maximum of $70 per prescription (sub-limit applies for weight loss medications).
Other features of this general treatment cover: Premium extras with comprehensive dental including orthodontics and high benefits and limits across therapies. 100% back for dental checkups, bitewing x-rays and fissure sealings at the provider of your choice. No sub-limits on optical benefits – use the full $700 on your choice of contact lenses or frames fitted with prescription lenses. Laser eye surgery benefit of $800 per eye once every 5 years. Premium support for mental health with a $900 limit per year. Health management includes services such as acupuncture, weight loss classes and class physiotherapy for the treatment of a specific diagnosed condition.
In VIC 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.
Other features of this ambulance cover: National cover for emergency and medically necessary ambulance transportation costs except where there is an entitlement to Benefits under a State Government ambulance transport scheme or any other source.
http://www.doctorshealthfund.com.au
info@doctorshealthfund.com.au
1800 226 126
Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at privatehealth.gov.au/dynamic/Premium/PHIS/AMA/J12/VAID2D