healthslips.com.au Policy Information

Health Insurance Fund of Australia Limited

Silver Plus No Maternity Combo

$264.75 / month

(Before Rebate, Discount & Loading)

Available in WA

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: Only one person.

Policy ID: HIF/NM/WACL10

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy does not provide accident cover.
  • This policy does not provide benefits for travel or accommodation outside of hospital.
Covered
Restricted Cover
Not Covered
This policy includes cover for
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)
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services
Pregnancy and birth
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 on admission. This is limited to a maximum of $500 per person and $500 per policy per year.

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
  • 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

Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).

For further information about this policy see: https://www.hif.com.au/silverplusnomaternitycombo-factsheet

Extras Cover

HIF has partnered with a network of providers to make a selected range of services more affordable. By choosing an HIF Choice Network provider you’ll receive low or no out-of-pocket costs. See www.hif.com.au/choice-network

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

$150 per policy

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Chinese medicine* 2

$150 per policy

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Chiropractic* 2

$500 per policy

combined limit for chiropractic, physiotherapy & podiatry

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Endodontic* 2

$600 per policy

combined limit for endodontic, general dental & major dental

  • Filling of one root canal: 60% of charge
General dental* 2

$600 per policy

combined limit for endodontic, general dental & major dental

  • Fluoride treatment: 60% of charge
  • Scale & clean: 60% of charge
  • Surgical tooth extraction: 60% of charge
  • Periodic oral examination: 60% of charge
Health management / Healthy lifestyle* 2

$150 per policy

  • Health management: $150
Major dental* 12

$600 per policy

combined limit for endodontic, general dental & major dental

  • Full crown veneered: 60% of charge
Non PBS pharmaceuticals* 2

$200 per policy

  • Per eligible prescription: $60
Optical* 2

$150 per policy

  • Multi-focal lenses & frames: $150
  • Single vision lenses & frames: $150
Physiotherapy* 2

$500 per policy

combined limit for chiropractic, physiotherapy & podiatry

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Podiatry* 2

$500 per policy

combined limit for chiropractic, physiotherapy & podiatry

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Remedial massage* 2

$150 per policy

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge

Acupuncture*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

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

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chinese medicine*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

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

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for chiropractic, physiotherapy & podiatry}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Endodontic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Filling of one root canal: 60% of charge}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 60% of charge}

{Surgical tooth extraction: 60% of charge}

{Periodic oral examination: 60% of charge}

Health management / Healthy lifestyle*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Health management: $150}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Per eligible prescription: $60}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: $150}

{Single vision lenses & frames: $150}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for chiropractic, physiotherapy & podiatry}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for chiropractic, physiotherapy & podiatry}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Remedial massage*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

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

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

60% of charge paid as a benefit with an overall annual limit per person for combined services (excluding Optical, Pharmacy and Ambulance) of $1000. A 12 month waiting period applies to dental items: 322-331, 331, 595, and 596. Healthy Lifestyle benefits are claimable for approved health management, quit smoking or weight loss programs, health assessments, skin cancer screening (if not covered by medicare), and exercise physiology. For more information contact HIF.

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

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Dietetics/dietary advice
Exercise physiology
Eye therapy (orthoptics)
Hearing aids
Home nursing
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Osteopathy
Psychology
Speech therapy
Vaccinations

Other features of this general treatment cover: This popular combo cover is our value packed Hospital & Extras option for singles and couples.It includes a host of inpatient hospital and medical services like heart, lung and chest, joint replacements, cancer treatment, cataract treatment and more. You’ll also be covered for a range of popular Extras services like dental, optical, ambulance, chiro and physio.

For further information about this policy see: https://www.hif.com.au/silverplusnomaternitycombo-factsheet

Ambulance cover

In WA this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Non-emergency: Unlimited transport with a waiting period of 30 months.

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

Other features of this ambulance cover: There is no limit to the number of emergency ambulance services you use. If you’re taken to a hospital’s emergency department for urgent treatment, we’ll cover 100% of the charge. If it’s a non-emergency ambulance service, you only make a $50 co-payment per trip. Not covered: Inter-hospital transportation except for inter-hospital transfers relating to an emergency or new illness where approved on a case by case basis by HIF. Transportation from a hospital to your home, nursing home or other hospital. Transportation for ongoing medical treatment. Off road, sea or air ambulance (plane, helicopter or boat).

For further information about this policy see: https://www.hif.com.au/ambulance

Insurer Details

Health Insurance Fund of Australia Limited

Silver Plus No Maternity Combo

$264.75 / month

(Before Rebate, Discount & Loading)

Available in WA

Health Insurance Fund of Australia Limited

http://www.hif.com.au

hello@hif.com.au

1300 134 060

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/HIF/NM/WACL10

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