Emergency Services Health
$1,009.66 / 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 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), non-classified* dependant (18 - 20), students (21 - 31) and non-students (21 to 24), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: Police Health covers children on a family or single parent family policy up to, but not including, their 21st birthday, provided the children are not married or in a de-facto relationship.
Restricted insurer: Membership of this insurer is restricted to Members of Australia’s police & emergency services community, and their families.
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.
Excess: No excess
Co-payments: No co-payments
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.
This policy supports greater choice in hospital and service provider – covering a large number of contracted hospitals, and also meeting reasonable fees charged by non-contracted hospitals. Benefits for a number of treatments that fall outside the mandated clinical categories are included, such as; Travel and Accommodation, Hospital at Home, Home Nursing, Aids & Appliances (such as CPAP Machines), Nourish baby, lactation consultants and antenatal education. Eligible members can also gain access to chronic disease management programs including; Type 2 Diabetes, Cancer Support, Osteoarthritis and Coronary Heart Disease.
For further information about this policy see: https://eshealth.com.au/gold-combined
Full benefits are payable at any provider (as long as they are registered and recognised by us) giving members ultimate freedom of choice.
Note, for treatments marked with * : Our unique Rollover Benefit lets you rollover unclaimed annual maximums from one calendar year to the next on the majority of Extras services, except major dental which requires 2 years of membership. For example, if you go a year without claiming Optical benefits (such as new prescription glasses and/or contact lenses) your $350 Annual Maximum turns into a Rollover Maximum of $700 the following calendar year. Waiting periods and conditions apply.
$700 per person (Rollover benefit applies) (combined limit chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services)
combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage
$250 per person
$600 per person (Rollover benefit applies)
No annual limit
$850 per person (Rollover benefit applies) (combined limit physiotherapy & exercise physiology)
combined limit for exercise physiology & physiotherapy
No annual limit (Some service limits apply)
$1,200 per person
20 days per episode, 65 days per year
$1,500 per person (Rollover benefit applies)
$600 per person (Rollover benefit applies) (combined limit for non pbs pharmaceuticals & vaccinations)
combined limit for non pbs pharmaceuticals & vaccinations
$350 per person (Rollover benefit applies)
$1,500 per person
$3,000 lifetime limit
$700 per person (Rollover benefit applies) (combined limit podiatry & orthotics (podiatric orthoses))
combined limit for orthotics (podiatric orthoses) & podiatry
$850 per person (Rollover benefit applies) (combined limit psychology & other services)
$850 per person (Rollover benefit applies)
Most benefits paid at 80% of charge up to amount shown in benefit examples. Remedial massage & Chinese medicine are a fixed benefit. Pharmaceutical benefit applies after $23 co-payment. Other services covered include, but not limited to: Myotherapy, Counselling, Blood Pressure Monitors, CPAP machines, Nebulisers, TENS machines, Anticoagulation machine. Please call for more information.
Other features of this general treatment cover: Includes benefits for Corrective Laser Eye Surgery, available after 3 years membership. A loyalty benefit applies to Corrective Laser Eye Surgery and Hearing Aids after 10 years of continuous cover. Enjoy fast, easy claiming via our app, or simply swipe your membership card at the provider.
In VIC 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.
Other features of this ambulance cover: In some instances, Department of Veterans Affairs Gold Card, pension and healthcare card holders may be exempt from paying for ambulance services in their state of residence. Under those arrangements, the relevant scheme is responsible for the cost and Police Health only pay a benefit if the cost isn’t fully covered by the arrangement or scheme.
For further information about this policy see: https://eshealth.com.au/am-i-covered-all-ambulance-services
http://www.eshealth.com.au
enquiries@eshealth.com.au
1300 703 703
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 privatehealth.gov.au/dynamic/Premium/PHIS/SPE/J1/VAFX1Y