healthslips.com.au Policy Information

Reserve Bank Health Society Ltd

Gold Hospital and Premium Extras Cover

Restricted Insurer

$891.32 / month

(Before Rebate, Discount & Loading)

Available in All States

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.

Restricted insurer: Membership of this insurer is restricted to Current & former employees of the Reserve Bank.

Policy ID: RBH/J1/AAAL2D

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
Assisted reproductive services
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)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
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: No excess

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
  • 12 months for pregnancy and birth (obstetrics)
  • 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.

For further information about this policy see: https://www.myrbhs.com.au/siteassets/documents/cover-descriptions/gold-hospital-and-premium-extras.pdf

Extras Cover

By using Reserve Bank Health Society's 'preferred providers' you may have lower out of pocket costs on Dental treatments and have access to more 'no gap' treatments. A list of 'preferred providers' is available from the fund.

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

$850 per person

sub-limits apply

  • Initial visit: $85
  • Subsequent visit: $70
Ante-natal/Post-natal classes 2

$260 per person

sub-limits apply

  • Initial visit: $260
Blood glucose monitors 12

$1,040 per person

sub-limits apply

  • Per monitor: 90% of charge
Chinese medicine 2

$850 per person

combined limit for chinese medicine, exercise physiology & remedial massage

  • Initial visit: $82
  • Subsequent visit: $64
Chiropractic 2

$920 per person

combined limit for chiropractic & osteopathy

sub-limits apply

  • Initial visit: $85
  • Subsequent visit: $70
Dietetics/dietary advice 2

$425 per person

sub-limits apply

  • Initial visit: $107
  • Subsequent visit: $65
Endodontic 12

$850 per person

sub-limits apply

  • Filling of one root canal: $850
Exercise physiology 2

$850 per person

combined limit for chinese medicine, exercise physiology & remedial massage

  • Initial visit: $82
  • Subsequent visit: $64
Eye therapy (orthoptics) 2

$790 per person

sub-limits apply

  • Initial visit: $95
  • Subsequent visit: $73
General dental 2

No annual limit

sub-limits apply

  • Fluoride treatment: $33
  • Scale & clean: $100
  • Surgical tooth extraction: $340
  • Periodic oral examination: $50
Health management / Healthy lifestyle 2

$200 per person

sub-limits apply

  • Health management: $200
Hearing aids 12

$1,088 per person

sub-limits apply

  • Hearing aid: $2720
Home nursing 2

$1,500 per person

sub-limits apply

  • Initial visit: $1500
  • Subsequent visit: $1500
Major dental 12

$1,200 per person

sub-limits apply

  • Full crown veneered: $1360
Non PBS pharmaceuticals 2

$1,000 per person

sub-limits apply

  • Per eligible prescription: $160
Occupational therapy 2

$790 per person

sub-limits apply

  • Initial visit: $97
  • Subsequent visit: $80
Optical 12

$460 per person

sub-limits apply

  • Multi-focal lenses & frames: $560
  • Single vision lenses & frames: $370
Orthodontic 12

$890 per person

$4,450 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 90% of charge
Osteopathy 2

$920 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $85
  • Subsequent visit: $70
Physiotherapy 2

$1,000 per person

sub-limits apply

  • Initial visit: $105
  • Subsequent visit: $85
Podiatry 2

$750 per person

sub-limits apply

  • Initial visit: $80
  • Subsequent visit: $70
Psychology 2

$920 per person

sub-limits apply

  • Initial visit: $190
  • Subsequent visit: $190
Remedial massage 2

$850 per person

combined limit for chinese medicine, exercise physiology & remedial massage

sub-limits apply

  • Initial visit: $82
  • Subsequent visit: $64
Speech therapy 2

$1,000 per person

sub-limits apply

  • Initial visit: $103
  • Subsequent visit: $103
Vaccinations 2

No annual limit

  • Per service: 90% of charge

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $85}

{Subsequent visit: $70}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$260 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $260}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,040 per person}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: 90% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{combined limit for chinese medicine, exercise physiology & remedial massage}

Examples of maximum benefits

{Initial visit: $82}

{Subsequent visit: $64}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$920 per person}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $85}

{Subsequent visit: $70}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$425 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $107}

{Subsequent visit: $65}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: $850}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{combined limit for chinese medicine, exercise physiology & remedial massage}

Examples of maximum benefits

{Initial visit: $82}

{Subsequent visit: $64}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$790 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $95}

{Subsequent visit: $73}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: $33}

{Scale & clean: $100}

{Surgical tooth extraction: $340}

{Periodic oral examination: $50}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{sub-limits apply}

Examples of maximum benefits

{Health management: $200}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,088 per person}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $2720}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $1500}

{Subsequent visit: $1500}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $1360}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: $160}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$790 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $97}

{Subsequent visit: $80}

Optical

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$460 per person}

{sub-limits apply}

Examples of maximum benefits

{Multi-focal lenses & frames: $560}

{Single vision lenses & frames: $370}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$890 per person}

{$4,450 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 90% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$920 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $85}

{Subsequent visit: $70}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $105}

{Subsequent visit: $85}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $70}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$920 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $190}

{Subsequent visit: $190}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{combined limit for chinese medicine, exercise physiology & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $82}

{Subsequent visit: $64}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $103}

{Subsequent visit: $103}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Per service: 90% of charge}

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

Audiology
Orthotics (podiatric orthoses)

Other features of this general treatment cover: Some of the general treatment benefits accumulate over time. Major Dental limit is $6000 every 5 years. Optical limit is $920 in any 2 years. Hearing Aids limit is $5440 in any 5 years. Orthodontic limit after 1st year -$890, increases by $890 each year, to a maximum of $4450 (loyalty limit).

For further information about this policy see: https://www.myrbhs.com.au/siteassets/documents/cover-descriptions/gold-hospital-and-premium-extras.pdf

Ambulance cover

In all states this policy provides:

Emergency: Unlimited with a waiting period of 2 months.

Non-emergency: Unlimited transport with a waiting period of 2 months.

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

State schemes provide ambulance services for residents of Tasmania (https://www.health.tas.gov.au/ambulance/fees_and_accounts) and Queensland (https://www.ambulance.qld.gov.au).

For further information about this policy see: https://www.myrbhs.com.au/siteassets/documents/cover-descriptions/gold-hospital-and-premium-extras.pdf

Insurer Details

Reserve Bank Health Society Ltd

Gold Hospital and Premium Extras Cover

Restricted Insurer

$891.32 / month

(Before Rebate, Discount & Loading)

Available in All States

Reserve Bank Health Society Ltd

http://www.myrbhs.com.au

info@myrbhs.com.au

1800 027 299

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/RBH/J1/AAAL2D

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