healthslips.com.au Policy Information

AIA Health Insurance Pty Ltd

Bronze Plus Hospital 500 and Better Set Extras

$256.16 / month

(Before Rebate, Discount & Loading)

Available in NT

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: One adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), students (18 - 24) and non-students (18 to 24), as well as persons with a disability who qualify as a child, student and non-student in these age ranges.

Policy ID: MYO/J20A/DLXF1Y

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.

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

Extras Cover

Members can receive up to 60% back on dental services, 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

$150 per person

  • Initial visit: $35
  • Subsequent visit: $30
Audiology 2

$120 per person

  • Initial visit: $70
  • Subsequent visit: $70
Blood glucose monitors 12

$250 per person

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

  • Per monitor: $100
Chiropractic 2

$450 per person up to $900 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $40
  • Subsequent visit: $30
Dietetics/dietary advice 2

$200 per person

combined limit for dietetics/dietary advice & health management / healthy lifestyle

  • Initial visit: $40
  • Subsequent visit: $40
Endodontic 12

$700 per person

combined limit for endodontic & major dental

  • Filling of one root canal: $140
Exercise physiology 2

$450 per person up to $900 per policy

combined limit for exercise physiology & physiotherapy

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

$700 per person

  • Fluoride treatment: $25
  • Scale & clean: $61.2
  • Periodic oral examination: $35
Health management / Healthy lifestyle 2

$200 per person

combined limit for dietetics/dietary advice & health management / healthy lifestyle

  • Health management: $40
Hearing aids 12

$300 per person

  • Hearing aid: $200
Major dental 12

$700 per person

combined limit for endodontic & major dental

  • Surgical tooth extraction: $150
  • Full crown veneered: $630
Non PBS pharmaceuticals 2

$350 per person

  • Per eligible prescription: $40
Optical 6

$200 per person up to $400 per policy

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

$600 per person

$2,400 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $600
Orthotics (podiatric orthoses) 12

$250 per person

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

  • Orthotics supply & fit: $45
Osteopathy 2

$450 per person up to $900 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $45
  • Subsequent visit: $35
Physiotherapy 2

$450 per person up to $900 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $40
  • Subsequent visit: $30
Podiatry 2

$200 per person

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

$300 per person

  • Initial visit: $100
  • Subsequent visit: $50
Remedial massage 2

$150 per person up to $300 per policy

  • Initial visit: $35
  • Subsequent visit: $30

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $30}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$120 per person}

Examples of maximum benefits

{Initial visit: $70}

{Subsequent visit: $70}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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

Examples of maximum benefits

{Per monitor: $100}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person up to $900 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for dietetics/dietary advice & health management / healthy lifestyle}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $140}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person up to $900 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Fluoride treatment: $25}

{Scale & clean: $61.2}

{Periodic oral examination: $35}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for dietetics/dietary advice & health management / healthy lifestyle}

Examples of maximum benefits

{Health management: $40}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Hearing aid: $200}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: $150}

{Full crown veneered: $630}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Per eligible prescription: $40}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 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 person}

{$2,400 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $600}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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

Examples of maximum benefits

{Orthotics supply & fit: $45}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person up to $900 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $35}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person up to $900 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: $100}

{Subsequent visit: $50}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person up to $300 per policy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $30}

Health Checks such as mammograms, bowel cancer testing kit, prostate cancer checks and skin cancer checks are also covered under this policy. $50 per health check, per person, up to the annual limit of $100. Swimming Lessons are also covered under this policy, $50 per swimming lesson, per person, up to the annual limit of $100. 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
Vaccinations

Ambulance cover

In NT 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 Set Extras

$256.16 / month

(Before Rebate, Discount & Loading)

Available in NT

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/J20A/DLXF1Y

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