healthslips.com.au Policy Information

AIA Health Insurance Pty Ltd

Bronze Plus Hospital 500 and Better 60% Back Extras

$243.25 / 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: Only one person.

Policy ID: MYO/J04A/NLFK10

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 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

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 $250 of your excess (Excess Refund) in the event that you’re admitted to hospital.

Extras Cover

Members can receive up to 70% back on dental services, No Gap Dental on selected preventative dental services & lower treatment costs at smile.com.au dentists. Dental services at other dentists can receive up to 60% back. 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

$150 per policy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Audiology 2

$150 per policy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Blood glucose monitors* 12

$250 per policy

combined limit for blood glucose monitors & orthotics (podiatric orthoses)

  • Per monitor: 60% of charge
Chiropractic* 2

$300 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Dietetics/dietary advice 2

$200 per policy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Endodontic 12

$800 per policy

combined limit for endodontic & major dental

sub-limits apply

  • Filling of one root canal: 60% of charge
Exercise physiology 2

$400 per policy

combined limit for exercise physiology, physiotherapy & other services

  • Initial visit: 60% of charge
General dental* 2

$800 per policy

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

$100 per policy

  • Health management: 60% of charge
Hearing aids 12

$300 per policy

  • Hearing aid: 60% of charge
Major dental 12

$800 per policy

combined limit for endodontic & major dental

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

$100 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $40
Optical 6

$250 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthodontic 12

$600 per policy

$2,400 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge
Orthotics (podiatric orthoses)* 12

$250 per policy

combined limit for blood glucose monitors & orthotics (podiatric orthoses)

  • Orthotics supply & fit: 60% of charge
Osteopathy* 2

$300 per policy

combined limit for chiropractic & osteopathy

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

$400 per policy

combined limit for exercise physiology, physiotherapy & other services

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

$200 per policy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Psychology 2

$300 per policy

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

$150 per policy

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

$100 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: $40

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Blood glucose monitors*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for blood glucose monitors & orthotics (podiatric orthoses)}

Examples of maximum benefits

{Per monitor: 60% of charge}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

{combined limit for endodontic & major dental}

{sub-limits apply}

Examples of maximum benefits

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

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for exercise physiology, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 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

{$100 per policy}

Examples of maximum benefits

{Health management: 60% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Hearing aid: 60% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: 60% of charge}

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $40}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{$2,400 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge}

Orthotics (podiatric orthoses)*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for blood glucose monitors & orthotics (podiatric orthoses)}

Examples of maximum benefits

{Orthotics supply & fit: 60% of charge}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for exercise physiology, physiotherapy & other services}

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

{$200 per policy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

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}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Vaccinations*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $40}

Swimming Lessons are covered under this policy - Benefit Limit $100 per person, per year. Smoking Cessation services are covered under this policy - Benefit Limit $100 per person, per year. Psychology benefit includes counselling services.

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

Ante-natal/Post-natal classes
Chinese medicine
Eye therapy (orthoptics)
Home nursing
Occupational therapy
Speech therapy

Ambulance cover

In NSW & ACT this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

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

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 500 and Better 60% Back Extras

$243.25 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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/J04A/NLFK10

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