healthslips.com.au Policy Information

AIA Health Insurance Pty Ltd

Bronze Plus Hospital 750 and Lite FlexiExtras

$519.92 / month

(Before Rebate, Discount & Loading)

Available in QLD

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) and students (18 - 24), as well as persons with a disability who qualify as a child and student in these age ranges.

Policy ID: MYO/J02F/QPYI2D

Source: Private Health Information Statement (PHIS)

Hospital Cover

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

This policy does not include cover for

Assisted reproductive services
Back, neck and spine
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
Implantation of hearing devices
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Sleep studies
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 $750 per admission. This is limited to a maximum of $750 per person and $1500 per policy per year.

Excess payments do not apply to hospital admissions for dependants.

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

All policies include membership to AIA Vitality, the science-backed health and wellbeing program that rewards you for looking after your health. If you have held an AIA Health Insurance policy for a minimum of six months and have an AIA Vitality status of Silver or above, we will refund $500 of your excess (Excess Refund) in the event that you’re admitted to hospital.

Extras Cover

Members can receive 2 x No Gap Dental on selected preventative dental services & lower treatment costs at smile.com.au dentists. See https://www.aia.com.au/en/products/health-insurance/find-a-provider.

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

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Initial visit: $30
  • Subsequent visit: $20
Chiropractic* 2

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Initial visit: $40
  • Subsequent visit: $30
Exercise physiology* 2

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Initial visit: $40
  • Subsequent visit: $30
General dental* 2

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Fluoride treatment: $22
  • Scale & clean: $50
  • Surgical tooth extraction: $0
  • Periodic oral examination: $29
Health management / Healthy lifestyle* 2

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Health management: $25
Optical* 6

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

sub-limits apply

  • Multi-focal lenses & frames: $200
  • Single vision lenses & frames: $200
Osteopathy* 2

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Initial visit: $40
  • Subsequent visit: $30
Physiotherapy* 2

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Initial visit: $40
  • Subsequent visit: $30
Psychology* 2

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Initial visit: $50
  • Subsequent visit: $25
Remedial massage* 2

$800 per person

combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage

  • Initial visit: $30
  • Subsequent visit: $20

Acupuncture*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $20}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Exercise physiology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Fluoride treatment: $22}

{Scale & clean: $50}

{Surgical tooth extraction: $0}

{Periodic oral examination: $29}

Health management / Healthy lifestyle*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Health management: $25}

Optical*

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Multi-focal lenses & frames: $200}

{Single vision lenses & frames: $200}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Psychology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $25}

Remedial massage*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for acupuncture, chiropractic, exercise physiology, general dental, health management / healthy lifestyle, optical, osteopathy, physiotherapy, psychology & remedial massage}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $20}

Psychology benefit includes counselling services. Optical has a sub-limit of $200 per person, per calendar year.

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

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Chinese medicine
Dietetics/dietary advice
Endodontic
Eye therapy (orthoptics)
Hearing aids
Home nursing
Major dental
Non PBS pharmaceuticals
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Podiatry
Speech therapy
Vaccinations

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

Other features of this ambulance cover: Cover for call-out fees where you're not taken to hospital are limited to 2 x ambulance attendances per insured person, per calendar year.

Insurer Details

AIA Health Insurance Pty Ltd

Bronze Plus Hospital 750 and Lite FlexiExtras

$519.92 / month

(Before Rebate, Discount & Loading)

Available in QLD

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/MYO/J02F/QPYI2D

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