healthslips.com.au Policy Information

Astute Simplicity Health

Astute Wellbeing Extras

$174.60 / month

(Before Rebate, Discount & Loading)

Available in SA

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include 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), non-classified* dependant (18 - 22) and students (23 - 24), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependent under the age of 23.

Policy ID: SLM/I8/SCWT2D

Source: Private Health Information Statement (PHIS)

Extras Cover

This health insurer does not operate a preferred provider scheme.

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

$300 per person

combined limit for acupuncture, chinese medicine & remedial massage

sub-limits apply

  • Initial visit: $32
  • Subsequent visit: $28
Ante-natal/Post-natal classes 2

$350 per person

combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy

sub-limits apply

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

$350 per person

combined limit for audiology, dietetics/dietary advice, home nursing & occupational therapy

sub-limits apply

  • Initial visit: 60% of charge
Chinese medicine 2

$300 per person

combined limit for acupuncture, chinese medicine & remedial massage

sub-limits apply

  • Initial visit: $32
  • Subsequent visit: $28
Chiropractic 2

$350 per person

combined limit for chiropractic & osteopathy

sub-limits apply

  • Initial visit: $38
  • Subsequent visit: $27
Dietetics/dietary advice 2

$350 per person

combined limit for audiology, dietetics/dietary advice, home nursing & occupational therapy

sub-limits apply

  • Initial visit: $40
  • Subsequent visit: $30
Endodontic 12

$500 per person

combined limit for endodontic & major dental

sub-limits apply

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

$350 per person

combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy

sub-limits apply

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Eye therapy (orthoptics) 2

$350 per person

combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy

sub-limits apply

  • Initial visit: $43
  • Subsequent visit: $33
General dental* 2

$750 per person

  • Fluoride treatment: 60% of charge
  • Scale & clean: 60% of charge
  • Surgical tooth extraction: 60% of charge
  • Periodic oral examination: 60% of charge
Home nursing 2

$350 per person

combined limit for audiology, dietetics/dietary advice, home nursing & occupational therapy

sub-limits apply

  • Initial visit: $50
  • Subsequent visit: $50
Major dental 12

$500 per person

combined limit for endodontic & major dental

sub-limits apply

  • Full crown veneered: 60% of charge
Non PBS pharmaceuticals 2

$300 per person

  • Per eligible prescription: 60% of charge
Occupational therapy 2

$350 per person

combined limit for audiology, dietetics/dietary advice, home nursing & occupational therapy

sub-limits apply

  • Initial visit: $55
  • Subsequent visit: $40
Optical 6

$200 per person

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

$350 per person

combined limit for chiropractic & osteopathy

sub-limits apply

  • Initial visit: $43
  • Subsequent visit: $40
Physiotherapy 2

$350 per person

combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy

sub-limits apply

  • Initial visit: $53
  • Subsequent visit: $47
Podiatry 2

$200 per person

  • Initial visit: $40
  • Subsequent visit: $33
Psychology 12

Benefits payable towards counselling services - Initial consultation $60/subsequent consultation $45 included in $400 Psychology Limit.

  • Initial visit: $110
  • Subsequent visit: $75
Remedial massage 2

$300 per person

combined limit for acupuncture, chinese medicine & remedial massage

sub-limits apply

  • Initial visit: $32
  • Subsequent visit: $28

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, chinese medicine & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $28}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy}

{sub-limits apply}

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

{$350 per person}

{combined limit for audiology, dietetics/dietary advice, home nursing & occupational therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, chinese medicine & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $28}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $27}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for audiology, dietetics/dietary advice, home nursing & occupational therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{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

{$350 per person}

{combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $43}

{Subsequent visit: $33}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 60% of charge}

{Surgical tooth extraction: 60% of charge}

{Periodic oral examination: 60% of charge}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for audiology, dietetics/dietary advice, home nursing & occupational therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for endodontic & major dental}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Per eligible prescription: 60% of charge}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for audiology, dietetics/dietary advice, home nursing & occupational therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $55}

{Subsequent visit: $40}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

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

{$350 per person}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $43}

{Subsequent visit: $40}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for ante-natal/post-natal classes, exercise physiology, eye therapy (orthoptics) & physiotherapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $53}

{Subsequent visit: $47}

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: $33}

Psychology

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{Benefits payable towards counselling services - Initial consultation $60/subsequent consultation $45 included in $400 Psychology Limit. }

Examples of maximum benefits

{Initial visit: $110}

{Subsequent visit: $75}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, chinese medicine & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $28}

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

Blood glucose monitors
Health management / Healthy lifestyle
Hearing aids
Orthodontic
Orthotics (podiatric orthoses)
Speech therapy
Vaccinations

Other features of this general treatment cover: Approved health management programs when Wellbeing Extras is taken with hospital cover. Benefits payable at 60% of fee charged, up to maximum benefit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit.

Ambulance cover

South Australia has a subscription service to cover ambulance within the state, with an additional fee to cover interstate travel (http://www.saambulance.com.au/ProductsServices/AmbulanceCover.aspx).

For further information about this policy see: https://www.stlukes.com.au/forms-brochures?tag=Information+sheet

Insurer Details

Astute Simplicity Health

Astute Wellbeing Extras

$174.60 / month

(Before Rebate, Discount & Loading)

Available in SA

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/SLM/I8/SCWT2D

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