Apr 09, 2022Your reference: _6e437

HCF Silver Plus Hospital and High Extras

Product ID : 13727

Couple in WA

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1300 421 154 insurance@healthinsurancecomparison.com.au

Quote

Summary

This health insurance

is provided by:

$322.10 Monthly  +   $750.00 excess

Your selected income tier: 0

To make private health insurance more affordable the Federal Government provides many Australians with a

Health Insurance Rebate, which is income tested and is based on the age of the oldest person on the

membership. Your quote is based on your nominated income tier and includes the rebate as a premium

reduction. The applicable income and age tiers for the Australian Government Rebate from 1 April 2022 to 31

March 2023 are as follows:

Tier 0

Single — $90,000 or less

Family — $180,000 or less

Couples — $180,000 or less

Single parents

— $180,000 or less

Under 65 — 24.608%

65 to 69 — 28.71%

70 Plus — 32.812%

Tier 1

Single — $90,001 - $105,000

Family — $180,001 - $210,000

Couples — $180,001 - $210,000

Single parents

— $180,001 - $210,000

Under 65 — 16.405%

65 to 69 — 20.507%

70 Plus — 24.608%

Tier 2

Single — $105,001 - $140,000

Family — $210,001 - $280,000

Couples — $210,001 - $280,000

Single parents

— $210,001 - $280,000

Under 65 — 8.202%

65 to 69 — 12.303%

70 Plus — 16.405%

Tier 3

Single — $140,001 or more

Family — $280,001 or more

Couples — $280,001 or more

Single parents

— $280,001 or more

Under 65 — 0%

65 to 69 — 0%

70 Plus — 0%

Health Insurance Comparison 2

Please note that all prices do not include the lifetime health cover loadings. These loadings are calculated

based on the number of years that you have not had appropriate hospital cover since 31 years old. Click here

Why Choose

This

This policy provides hospital cover for restricted and

excluded services for accidents for 90 days following the

accident. Some conditions apply.

To help keep premiums low, this policy excludes pregnancy

and birth.

Includes emergency ambulance transportation.

Health Insurance Comparison 3

Hospital Cover

Hospital policies help cover the cost of in-hospital treatment by your doctor and hospital costs such as

accommodation and theatre fees. Generally, any medical services listed under the Medicare Benefits

Schedule (MBS) can be covered on some form of private hospital insurance. Some services which are not

listed on the MBS, such as elective cosmetic surgery or laser eye surgery, are only covered by private

hospital insurance to a limited extent or not at all.

Hospital level - Silver Plus

Hospital Cover Inclusions

Public Hospital

Private Hospital - Shared Room

Private Hospital - Private Room

Ambulance

Accident Override

Travel Accommodation

Rehabilitation

Palliative Care

Brain and Nervous System

Eye (not cataracts)

Ear, Nose and Throat

Tonsils, Adenoids and Grommets

Bone, Joint and Muscle

Joint Reconstructions

Kidney and Bladder

Male Reproductive System

Digestive System

Hernia and Appendix

Gastrointestinal Endoscopy

Gynaecology

Miscarriage and Termination of Pregnancy

Chemotherapy, Radiotherapy and Immunotherapy for Cancer

Pain Management

Skin

Breast Surgery (medically necessary)

Diabetes Management (excluding insulin pumps)

Health Insurance Comparison 4

Hospital level - Silver Plus

Hospital Cover Inclusions

Heart and Vascular System

Lung and Chest

Blood

Back, Neck and Spine

Plastic and Reconstructive Surgery (medically necessary)

Dental Surgery

Podiatric Surgery (provided by a registered podiatric surgeon)

Implantation of hearing devices

Cataracts

Joint replacements

Dialysis for chronic kidney disease

Pain Management with Device

Sleep Studies

Other Common Treatments

Other Support Treatments

Health Insurance Comparison 5

Hospital level - Silver Plus

Hospital Cover Restricted

Hospital psychiatric services

If your policy has restrictions for some conditions, you will be covered for treatment for those conditions, but only to a very limited extent.

For example, if your policy restricts hip replacement, you will be covered for this as a private patient in a public hospital. However, if you go into hospital as a private patient

in a private hospital, your health fund will not pay any benefits towards the theatre fees and only a small benefit towards your accommodation fee. This means you will face

considerable out-of-pocket costs.

Hospital Cover Exclusions

Cosmetic Surgery

Pregnancy and Birth

Assisted Reproductive Services

Weight loss surgery

Insulin Pumps

If your policy has exclusions for particular conditions, you are not covered for treatment as a private patient in a public or private hospital for those conditions.

For example, if your policy excludes cardiac services and you go into hospital as a private patient for cardiac surgery, your health fund will not pay any benefits towards

your hospital and medical costs.

Health Insurance Comparison 6

Extras Cover

General treatment policies (also known as ancillary or extras cover) provide benefits for ancillary services -

for example, physiotherapy, dental and optical treatment. General treatment policies may be offered

separately or combined with hospital cover. There are three general categories of policies. The

classifications are based on the services that are shown as covered on standard information statements.

Service Limits Waiting periods

Extras Inclusions

DENTAL SERVICES

Preventative Dental Annual Limit : No Limit Per personBenefit Example : No benefit limitation periods apply.Combined Limits : No benefit limit for diagnostic and preventative services. Service limits apply.

2 months

General Dental Annual Limit : $800 per personBenefit Example : No benefit limitation periods apply.Loyalty Bonus : Annual limit increases over time for general & major dental: Year 1 $800; Year 2 $950, Year 3+ $1100.Combined Limits : No benefit limit for diagnostic and preventative services.  Service limits apply. All general & major dental - combined limit of $800 in the first year.

2 months

Major Dental Annual Limit : $800 per personBenefit Example : No benefit limitation periods apply.Loyalty Bonus : Annual limit increases over time for general & major dental: Year 1 $800; Year 2 $950, Year 3+ $1100.Combined Limits : All general & major dental - Combined limit of $800 in the first year.

12 months

Orthodontic Annual Limit : $700 per personBenefit Example : No benefit limitation periods apply.Combined Limits : No Combined Limits

12 months

EYES

Optical Annual Limit : $250 per personBenefit Example : No benefit limitation periods apply.Combined Limits : No Combined Limits

2 months

BODY

Physiotherapy Annual Limit : $350 per personInitial Visit : $58Benefit Example : No benefit limitation periods apply.$49Loyalty Bonus : Annual limit increases with length of membership: Year 1 $350, Year 2 $450, Year 3+ $550.Combined Limits : Combined limit for physiotherapy and exercise physiology.

2 months

Chiropractic and Osteopathy

Annual Limit : $250 per personInitial Visit : Chiro - $40; Osteo - $48Benefit Example : No benefit limitation periods apply.Chiro - $33; Osteo - $38Loyalty Bonus : Annual limits increase with length of membership: Year 1 $250; Year 2 $350; Year 3+ $450.Combined Limits : Combined limit for chiropractic and osteopathy.

2 months

Podiatry Annual Limit : $200 per personInitial Visit : $35Benefit Example : No benefit limitation periods apply.$30Loyalty Bonus : Annual limit increases with length of membership: Year 1 $200; Year 2 $250; Year 3+ $400Combined Limits : Combined annual limit for podiatry, orthotics, dietetics, audiology and speech therapy.

2 months

Health Insurance Comparison 7

Service Limits Waiting periods

Extras Inclusions (2)

BODY

Orthotics Annual Limit : $200 per personBenefit Example : No benefit limitation periods apply.Combined Limits : Combined annual limit for podiatry, orthotics, dietetics, audiology and speech therapy.

12 months

ALTERNATIVE TREATMENTS

Remedial Massage Annual Limit : $200 per personInitial Visit : $36Benefit Example : No benefit limitation periods apply.$31Loyalty Bonus : Combined annual limit increases with length of membership:Year 1 $250; Year 2 $350; Year 3+ $450Combined Limits : Combined annual limit for remedial massage / myotherapy, acupuncture / chinese herbal medicine consultation.

2 months

Acupuncture Annual Limit : $200 per personInitial Visit : $36Benefit Example : No benefit limitation periods apply.$31Loyalty Bonus : Combined annual limit increases with length of membership:Year 1 $250; Year 2 $350; Year 3+ $450Combined Limits : Combined annual limit for remedial massage / myotherapy, acupuncture / chinese herbal medicine consultatation.

2 months

Myotherapy Annual Limit : $200 per personInitial Visit : $36Benefit Example : No benefit limitation periods apply.Loyalty Bonus : Chinese Herbal Medicine consultation only.Combined Limits : Combined annual limit for remedial massage / myotherapy, acupuncture / chinese herbal medicine consultation.

2 months

Exercise Physiology Annual Limit : $350 per personInitial Visit : $33Benefit Example : No benefit limitation periods apply.Loyalty Bonus : Exercise physiology benefit - $33 per visit.Combined Limits : Combined limit for physiotherapy and exercise physiology.

2 months

Approved Health Program

Annual Limit : $150 per personup to $300 per policyInitial Visit : Up to $150Benefit Example : No benefit limitation periods apply.Combined Limits : No Combined Limits

2 months

MEDICAL DEVICES & PHARMACEUTICALS

Other Aids Annual Limit : $150 per personup to $150 per policyBenefit Example : No benefit limitation periods apply.Combined Limits : No Combined Limits

12 months

Hearing Aids Annual Limit : $600 per personBenefit Example : No benefit limitation periods apply.Loyalty Bonus : Limit increases - Year 3 = $600, Year 6 = $800, Year 10 = $1000, Year 15 = $1200, Year 20+ = $1,600Combined Limits : No Combined Limits

12 months

Pharmaceuticals Annual Limit : $180 per personBenefit Example : No benefit limitation periods apply.Combined Limits : Combined limit for Pharmacy and Vaccines & Immunisations

2 months

OTHERS

Psychology Annual Limit : $350 per personInitial Visit : $85Benefit Example : No benefit limitation periods apply.$85Loyalty Bonus : Annual limit increases with length of membership: Yr 1 $350, Yr 2 $450, Yr 3+ $550Combined Limits : Combined limit for psychology and occupational therapy.

2 months

Health Insurance Comparison 8

Service Limits Waiting periods

Extras Inclusions (3)

OTHERS

Dietary Advice Annual Limit : $200 per personInitial Visit : $45Benefit Example : No benefit limitation periods apply.$45Loyalty Bonus : Annual limit increases with length of membership:Year 1 $200; Year 2 $250; Year 3+ $400Combined Limits : Combined annual limit for podiatry, orthotics, dietetics, audiology and speech therapy.

2 months

Speech Therapy Annual Limit : $200 per personInitial Visit : $60Benefit Example : No benefit limitation periods apply.$60Loyalty Bonus : Annual limit increases with length of membership: Year 1 $200; Year 2 $250; Year 3+ $400Combined Limits : Combined annual limit for podiatry, orthotics, dietetics, audiology and speech therapy.

2 months

Occupational Therapy Annual Limit : $350 per personInitial Visit : $62Benefit Example : No benefit limitation periods apply.$62Combined Limits : Combined limit for psychology and occuptational therapy.

2 months

School Accidents Annual Limit : $150 per personBenefit Example : No benefit limitation periods apply.Combined Limits : No Combined Limits

2-12 months

Health Insurance Comparison 9

Waiting Periods

Waiting periods refer to the amount of time you'll need to wait before you can begin claiming on your health

insurance policy.

I'm new to health insurance or held hospital cover for

less than 12 months

The government sets the maximum waiting periods that funds can impose for hospital treatement:

12months

for pre-existing

conditions12months

for pregnancy 2months

for psychiatric care,

rehabilitation or

palliative care, even

for a pre-existing

condition

0-2day

for accidents

(depending on

your fund)

2months

in all other

circumstances

People who are new to Extras cover or who upgrade their cover may need to serve waiting periods. The

standard waiting period for most Extras services is usually 2 months. For some services, like glasses, contact

lenses, major dental, orthodontics and hearing aids, the waiting period can range between 6 - 34 months.

For your convenience, your quote includes information about waiting periods for each service.

About Waiting Periods

You will only have to serve a waiting period when you

first take out a private health insurance policy, have

held cover for less than 12 months, or increased your

level of cover.

When you transfer from one fund to another at the

same level of cover there are no new waiting periods

although the balance of any waiting periods not yet

completed will most likely need to be served.

The following information is provided as a general

guide only and may include reference to waiting

periods for services not covered by your particular

policy. You should ask your Health Insurance

Comparison adviser about waiting periods for specific

benefits.

Health Insurance Comparison 10

I've had my old cover for less than 12 months, and I wasn't

previously insured

Any time spent with the old fund with be recognised by the new fund, and the time spent with the old

fund will be deducted from the waiting periods that would otherwise apply. For example, if you held

the old cover for 9 months, you'd only need to wait the remaining 3 months for pre-existing conditions

when you switch to an equivalent cover.

I'm reducing my hospital excess

When you reduce your hospital excess you will need to serve waiting periods before your new lower

hospital excess can apply. The waiting periods will be:

I'm upgrading my cover

In most cases, you will have waiting periods (including

12 months for pre-existing conditions and pregnancy)

on those services that are included on the new

cover but weren't on the old policy.

For example if you add pregnancy to the cover, you will

need to wait 12 months to claim on pregnancy, but all

other services that were on the old cover can be

claimed immediately providing you have already fully

served the waiting period for those services.

12months

for pre-existing

conditions12months

for pregnancy

2months

for psychiatric care, rehabilitation or palliative

care, even for a pre-existing condition

0-2months

for accidents

(depending

on your fund)

2months

in all other

circumstances

Health Insurance Comparison 11

I have Extras cover and have claimed some services from

my old fund this year

If you have used part or all of your annual benefits with your previous health fund, your new fund will adjust

your benefit limit accordingly. For example, if your annual benefit for optical is $200 and you have claimed

$150 with your previous health insurer, this claimed amount will be carried across to your new fund. Annual

limits are reset on either 1 January or 1 July each year. Please check with your Health Insurance Comparison

Consultant when your new fund resets annual Extras limits.

Ambulance waiting periods

1 day for emergency and 12 months for pre-existing ailments and conditions.

Health Insurance Comparison 12

This quote contains important information relating to this policy which you should read and

retain. All premiums quoted are subject to variation and/or rounding. A slight variation may be

expected. Please contact us on 1300 421 154 or email us at

insurance@healthinsurancecomparison.com.au if you require any further information. If you

change your mind and choose to cancel within 30 days, you can receive a full refund on your

Hospital and/or Extras premiums if you haven't made a claim. Health Insurance Comparison

prides itself on high quality customer service, but in the event that you need to make a

complaint, please read our complaints and dispute resolution information located on our

website. For information regarding the complaint resolution process for the funds that Health

Insurance Comparison represents, please visit: AHM, Australian Unity , HCF, Frank, NIB,

Peoplecare, Bupa.

Need Help

Our advisers are fully trained in all our fund's products. This means they can explain the differences between

funds and your current product. If there is something that fustrates you with this quote or your current fund,

let us know and we guarantee that we can find you a better product that will meet your needs.

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Health Insurance Comparison 13