Doctors' Health Fund
$379.28 / month
Before Rebate, Discount & Loading
Available in NSW & ACT
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 (and no-one else).
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 $750 per person and $1500 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 Bronze Plus as the services covered exceed the minimum requirements for Bronze level cover. Smart Starter Bronze Plus has Silver inclusions such as lung and chest, blood, medically necessary plastic and reconstructive surgery, dental surgery, and podiatric surgery. It also includes cover for sleep studies which is generally only included in Gold level 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 * : General dental limit excludes tooth whitening and extractions. $300 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.
$150 per person up to $300 per policy
combined limit for acupuncture, health management / healthy lifestyle & other services
$150 per person
combined limit for blood glucose monitors, non pbs pharmaceuticals & vaccinations
$600 per person
combined limit for dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services
$800 per person
sub-limits apply
$300 per person
Combined annual limit of $600 for physiotherapy, exercise physiology, dietetics, occupational therapy, speech therapy, mental health services, podiatry, massage and more ($100 per pair for orthotics up to 2 pairs per year). Group physiotherapy and hydrotherapy $15 per session. Pharmacy benefits paid at 85% of charge above the PBS co-payment to a maximum of $20 per prescription (sub-limit applies for weight loss medications).
Other features of this general treatment cover: Affordable entry-level extras cover perfectly suited to young singles and couples. 100% back for one dental checkup per year (50% thereafter) at the provider of your choice. No sub-limits on optical benefits – use the full $300 limit on your choice of contact lenses or frames fitted with prescription lenses. Health management includes services such as acupuncture, weight loss classes and class physiotherapy for the treatment of a specific diagnosed condition.
In NSW & ACT 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/J13/NAUV20