healthslips.com.au Policy Information

HCi

Gold Hospital - $1000/$2000 excess with Premier Extras

$487.05 / month

(Before Rebate, Discount & Loading)

Available in TAS

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.

This policy covers: Two adults & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 22) and students (23 - 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: Coverage for dependants between 18 & 22

Policy ID: HCI/J1/TBAC2D

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy does not exempts you from the Medicare Levy Surcharge.
  • This policy does not provide accident cover.
  • This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Assisted reproductive services
Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Cataracts
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Heart and vascular system
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Joint replacements
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
Weight loss surgery

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.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $1000 per admission. This is limited to a maximum of $1000 per person and $2000 per policy per year.

Excess payments do not apply to hospital admissions for day surgery.

Co-payments: No co-payments

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 (obstetrics)
  • 2 months for all other treatments

Gap Cover

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.

Other features of this hospital cover

Comprehensive, top hospital cover for complete peace of mind. HCi will waive any applicable excess for same-day hospital treatments. We also waive any applicable excess on dependants under 18 years of age.

For further information about this policy see: https://hciltd.com.au/packaged-cover

Extras Cover

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$500 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

  • Initial visit: $33
  • Subsequent visit: $33
Audiology 2

$200 per person

  • Initial visit: $50
  • Subsequent visit: $50
Blood glucose monitors 12

$500 per person

  • Per monitor: $500
Chinese medicine 2

$500 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

  • Initial visit: $33
  • Subsequent visit: $33
Chiropractic 2

$500 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

  • Initial visit: $33
  • Subsequent visit: $33
Dietetics/dietary advice 2

$1,000 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

sub-limits apply

  • Initial visit: $35
  • Subsequent visit: $35
Endodontic 12

$1,650 per person

combined limit for endodontic, major dental & orthodontic

sub-limits apply

  • Filling of one root canal: $179
Exercise physiology 2

$750 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: $38
  • Subsequent visit: $38
Eye therapy (orthoptics) 2

$1,000 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

sub-limits apply

  • Initial visit: $30
  • Subsequent visit: $30
General dental 2

$1,650 per person

  • Fluoride treatment: $25
  • Scale & clean: $77
  • Surgical tooth extraction: $161
  • Periodic oral examination: $35
Health management / Healthy lifestyle 2

$350 per person

sub-limits apply

  • Health management: $180
Hearing aids 36

$2,000 per person

sub-limits apply

  • Hearing aid: $1000
Home nursing 2

$500 per person

  • Initial visit: $50
  • Subsequent visit: $50
Major dental 12

$1,650 per person

combined limit for endodontic, major dental & orthodontic

sub-limits apply

  • Full crown veneered: $800
Non PBS pharmaceuticals 2

$1,000 per person

sub-limits apply

  • Per eligible prescription: $100
Occupational therapy 2

$1,000 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

sub-limits apply

  • Initial visit: $40
  • Subsequent visit: $40
Optical 6

$300 per person

  • Multi-focal lenses & frames: $300
  • Single vision lenses & frames: $300
Orthodontic 12

$1,650 per person

combined limit for endodontic, major dental & orthodontic

sub-limits apply

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $900
Orthotics (podiatric orthoses) 2

$1,000 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

sub-limits apply

  • Orthotics supply & fit: $260
Osteopathy 2

$500 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

  • Initial visit: $33
  • Subsequent visit: $33
Physiotherapy 2

$750 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: $38
  • Subsequent visit: $38
Podiatry 2

$1,000 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

sub-limits apply

  • Initial visit: $42
  • Subsequent visit: $42
Psychology 2

$250 per person

  • Initial visit: $60
  • Subsequent visit: $60
Remedial massage 2

$500 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

  • Initial visit: $33
  • Subsequent visit: $33
Speech therapy 2

$1,000 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

sub-limits apply

  • Initial visit: $50
  • Subsequent visit: $50
Vaccinations 2

$250 per person up to $500 per policy

sub-limits apply

  • Per service: $100

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Per monitor: $500}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,650 per person}

{combined limit for endodontic, major dental & orthodontic}

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: $179}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $38}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,650 per person}

Examples of maximum benefits

{Fluoride treatment: $25}

{Scale & clean: $77}

{Surgical tooth extraction: $161}

{Periodic oral examination: $35}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{sub-limits apply}

Examples of maximum benefits

{Health management: $180}

Hearing aids

Waiting period:  36 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $1000}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,650 per person}

{combined limit for endodontic, major dental & orthodontic}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $800}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: $100}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $300}

{Single vision lenses & frames: $300}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,650 per person}

{combined limit for endodontic, major dental & orthodontic}

{sub-limits apply}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $900}

Orthotics (podiatric orthoses)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Orthotics supply & fit: $260}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $38}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $42}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $500 per policy}

{sub-limits apply}

Examples of maximum benefits

{Per service: $100}

Group physio/hydrotherapy session $18 per service. Flu vaccination 1 per calendar year $25 per service. Other eligible vaccines $100 per service. For eligible medicinal cannabis prescriptions a 12 month waiting period applies.

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

Ante-natal/Post-natal classes

For further information about this policy see: https://hciltd.com.au/packaged-cover

Ambulance cover

Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.

For further information about this policy see: https://hciltd.com.au/packaged-cover

Insurer Details

HCi

Gold Hospital - $1000/$2000 excess with Premier Extras

$487.05 / month

(Before Rebate, Discount & Loading)

Available in TAS

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 https://privatehealth.gov.au/dynamic/Premium/PHIS/HCI/J1/TBAC2D

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