healthslips.com.au Policy Information

AIA Health Insurance Pty Ltd

Bronze Plus Hospital 500 and Base 50% Back Extras

$418.73 / month

(Before Rebate, Discount & Loading)

Available in VIC

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, including non-student dependants (3 or more people, only 2 of whom are adults).

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/J75A/VKBZ2Y

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 $1000 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. Dental services at other dentists can receive up to 50% 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

$100 per person up to $200 per policy

combined limit for acupuncture & remedial massage

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Chiropractic 2

$250 per person up to $500 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Dietetics/dietary advice 2

$100 per person

  • Initial visit: 50% of charge
Exercise physiology 2

$250 per person up to $500 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & other services

  • Initial visit: 50% of charge
General dental* 2

$500 per person

  • Fluoride treatment: 50% of charge
  • Scale & clean: 50% of charge
  • Periodic oral examination: 50% of charge
Health management / Healthy lifestyle 2

$100 per person

  • Health management: 50% of charge
Optical 6

$150 per person up to $300 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Osteopathy 2

$250 per person up to $500 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: $50
Physiotherapy* 2

$250 per person up to $500 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Psychology 2

$100 per person

  • Initial visit: 50% of charge
Remedial massage 2

$100 per person up to $200 per policy

combined limit for acupuncture & remedial massage

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

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

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

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person}

Examples of maximum benefits

{Initial visit: 50% of charge}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

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

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

Examples of maximum benefits

{Initial visit: 50% of charge}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Fluoride treatment: 50% of charge}

{Scale & clean: 50% of charge}

{Periodic oral examination: 50% of charge}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person}

Examples of maximum benefits

{Health management: 50% of charge}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

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

Examples of maximum benefits

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

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

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

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

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

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: $50}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

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

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

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person}

Examples of maximum benefits

{Initial visit: 50% of charge}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Psychology benefit includes counselling services.

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

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Chinese medicine
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

In VIC 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 Base 50% Back Extras

$418.73 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/J75A/VKBZ2Y

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