FREEDOM OF CHOICE PEACE OF MIND FOR BETTER HEALTH. WORKING VISA HEALTH INSURANCE
|
|
- Juliet Gordon
- 8 years ago
- Views:
Transcription
1 FREEDOM OF CHOICE PEACE OF MIND FOR BETTER HEALTH. WORKING VISA HEALTH INSURANCE Issue date: July 2015
2 Australia is an exiting plae to work with exellent areer opportunities. If you re applying for an Australian working visa, you ll need to have adequate arrangements for health insurane to help over any osts for health are while you re here. Medibank, one of Australia s largest private health funds, has a range of speially designed health over options that will suit your working irumstanes and lifestyle needs. All Medibank Working Visa Health Insurane overs meet the Australian Government s 457 working visa requirements for health insurane, so you an feel onfident and enjoy the experiene of your new job. 2
3 Welome to Medibank Contents Benefits of health insurane in Australia 4 Medibank - health over that gives you more 5 Mi Health - better health support for our members 6 Members Choie 7 Choosing the right over is easy 9 Understanding our overs 10 Working Visa Hospital Insurane 12 Working Visa Hospital and Medial Insurane 13 Top 85 Working Visa Health Insurane 14 Manage your membership online 16 Things worth knowing 17 Glossary 26 The information ontained in this brohure is urrent at the time of issue, July 2015, and supersedes all previously published material. Please ensure you read this brohure thoroughly and retain a opy for future referene. Membership of Medibank is subjet to our Fund rules and poliies whih are summarised in our Membership guide. You will reeive a Membership guide and Cover summary upon joining. Premium rates, and the Fund rules and poliies, hange from time to time. The information in this brohure only applies to Medibank branded produts. If you are unsure of any terms or phrases used in this brohure you an hek the glossary on page 26. 3
4 Benefits of health insurane in Australia While having adequate arrangements for private health insurane is a mandatory ondition of ertain overseas visitor visas, inluding the 457 working visa, private health insurane also gives you greater ontrol over when and where you an reeive hospital and medial treatment while in Australia. Like most ountries in the world, health are osts in Australia an be expensive. Even a few days in hospital for a routine operation an ost thousands of dollars in hospital harges and dotors fees. It s easy to join Call us on or (if alling from outside of Australia) Visit medibank.om.au/visitors Visit a Medibank store The Australian health are system has two main omponents: 1. Mediare Mediare is our national health are system, whih provides eligible Australian residents with aess to treatment as publi patients in publi hospitals and treatment by dotors and other health professionals. 2. Private health insurane Many Australians purhase private health insurane to help over the ost of going to a private hospital and reeiving other health servies not usually overed by Mediare. Some visitors to Australia have restrited aess to Mediare for medially neessary treatment beause their ountry has a reiproal health are agreement (RHCA) with Australia. Refer to page 17 to see if this applies to you. However, most visitors and temporary workers have no aess to Mediare. That s why as a visitor to Australia, it s worth onsidering private health insurane so you an keep your health a top priority. Choose Medibank and you ll be with one of Australia s largest private health insurers. Are you overed for ambulane? Ambulane servies are inluded under all Medibank overs. Unless you re already overed (eg. under a state sheme), we ll over the ost of eligible ambulane servies if you need immediate professional attention and your medial ondition is suh that you ouldn t be transported any other way. See page 20 for more details. 4
5 Medibank health over that gives you more. Mi Health a level of health support with our hospital overs You ll get even more value from your hospital over with aess to Mi Health. It s a range of health support servies inluding aess to Medibank nurses on our 24/7 Health Advie Line, Hospital Support and Mobile Health Apps to help you make healthier deisions on the go. For more about how Mi Health an benefit you, see page 6. Value at Members Choie providers Our Members Choie network is one of the largest health provider networks in Australia, overing most private hospitals and the widest range of extras servies of any health fund. See pages 7-8 for more information. No hospital exess for kids With our hospital overs, you won t be harged an exess if a hild on your family membership needs to go to hospital. Managing your membership online Online Member Servies is an easy, seure way to manage your membership details, laims and payments whenever and wherever it suits you. See page 16 for more information. Repatriation benefit If you or any other member inluded on your membership has to be repatriated to your home ountry due to a substantial life-altering disability, Medibank may arrange and pay the reasonable ost of return travel with the appropriate medial supervision. In the unfortunate event of death, your mortal remains or those of any other member on your membership may be repatriated to your home ountry if legally permissible. The provision of any repatriation benefit is at the disretion of Medibank. * Conditions apply, for further information all More than just health over As a member, you also get a 10% disount on the following produts: travel insurane pet insurane For more information go to medibank.om.au Like to know more? Take a look at Things worth knowing on page 17 Visit medibank.om.au Call us on Visit a Medibank store *Waiting periods apply to the provision of the repatriation benefit. This benefit is payable only one per person per lifetime. 5
6 Mi Health - better health support for our members Mi Health is a range of health support servies, designed to help our members manage their health and lifestyle. As a member with Working Visa Health Insurane, you ll have aess to the Mi Health support servies. It s our ommitment to making health over better for our members. 24/7 Health Advie Line Call a Medibank nurse with any health questions you and your family may have, 24 hours a day, seven days a week. Designed to omplement the are given by general pratitioners and other health professionals, Medibank nurses an give you advie about your health, symptoms, diagnosed onditions and disuss treatment options. They an also help you find medial entres, hild health servies, dentists, mental health servies, pharmaies and more. If you all with a health problem that our nurses believe should be seen by a dotor promptly, they ll offer to ring your regular GP and help you make an appointment. Translators for a range of languages are available if required. Members an aess the Medibank nurses by alling 1800 Mi Health ( ) Hospital Support Hospital Support provides you with personal advie and support about your overnight hospital stay. Call for more information (or for orporate over). Mobile Health Apps Aess our health apps on your mobile when you need health information on the go. Symptom Cheker * Chek your everyday symptoms, find out what to do about them inluding when to seek professional treatment. * Only available on iphone. iphone is a trademark of Apple In. Energy Balaner To help you balane the foods you re eating with exerise and ativities. Like to know more? For more information about Mi Health, all or visit medibank.om.au The Mi Health servies are provided by Medibank Private Limited and its related ompanies. For details on how your personal (inluding sensitive) information is handled see the bak over of this brohure. 6
7 Members Choie It s pretty simple: visit a Members Choie extras provider or hospital and you an save money. Our Members Choie network is one of the largest health provider networks in Australia, overing most private hospitals and the widest range of extras servies of any health fund. We ve negotiated with many healthare professionals so you won t be harged more than the agreed prie. We ve also negotiated disounts off normal pries at optial retailers and for orthotis. A Members Choie extras provider must agree to and meet Medibank s ustomer servie standards in addition to meeting any registration standards for pratising that profession. Hospitals Visit a Members Choie hospital and you ll get better value for money ompared to a Non Members Choie private hospital, as long as the servie you reeive is overed by our agreement with the hospital and is inluded under your over. What about your out-of-poket expenses? Even if you go to a Members Choie hospital, you re still likely to have out-of-poket expenses. The hospital and dotors treating you should tell you about their osts before you go to hospital so it s important to ask. Give us a all before you go to hospital so we an help you ask the right sort of questions. See page 23 for more information. Extras providers This setion applies to Top 85 Working Visa Health Insurane over. Benefits of Members Choie extras providers Capped harges* Disounts at optial retailers and for orthotis % bak of the harge. This means 85% on Top 85 Working Visa Health Insurane over # Wider range of extras servies than other insurers Generally lower out-of-pokets than Non Members Choie providers. * Exludes optial retailers # Subjet to annual limits and waiting periods What types of providers are inluded in Members Choie? Our Members Choie network overs more types of extras servies than any other private health insurer and inludes the following: Dentists Dental prosthetists Optial retail outlets Chiroprators Physiotherapists Podiatrists Aupunturists Naturopaths Remedial massage therapists. Go to medibank.om.au or all us on to find your nearest Members Choie provider. Please note, Members Choie extras providers may not be available in some areas. Find a Members' Choie provider To find a Members' Choie provider use our mobile app 7
8 Members Choie More value from extras Enjoy greater value from our Members Choie network We ve also got some great deals available. With our Top 85 Working Visa Health Insurane, you ll get one free dental hek-up, sale and lean (exludes x-rays) per person, per alendar year valued at over $130 when you visit a Members Choie dentist. To find out more all us on How does it work? Here s an example of how you an get the most out of Members Choie: Mar has Top 85 Working Visa Health Insurane and lives in NSW. The table below shows typially how muh he an save when he visits a Members Choie physiotherapist for a subsequent onsultation. Charge Benefit payable # (% bak or fixed benefit) * Most ommon harge in NSW for a subsequent physio onsultation for Non Members Choie providers for laims during July - September # Subjet to annual limits and waiting periods Fixed benefit that an be laimed Members Choie provider $62.00 (apped harge) 85% of harge bak ($52.70) Non Members Choie provider $70.67* $48.50 Out-of-poket ost $9.30 $22.17 Members Choie Optial Network We ve got the largest health fund optial network nationally and we an provide you with aess to disounted produts and servies. Glasses and ontats We ve negotiated great deals with our optial partners OPSM, Spesavers and VSP Neighbourhood Eyeare. With any of our urrent extras overs, you will get bak 100% up to your annual limit* and at least 20% off most frames and lenses and 15% off ontat lenses from these optial partners. Whether you re looking for ontat lenses, a wide range of value-for-money glasses with no gap, the latest in designer brand glasses or prefer to use an independent optometrist, we ve got your optial needs overed. *On eligible servies and produts up to annual limits. 6 month waiting period applies. Exludes MyOptions. Sub limits apply. Laser eye surgery As part of our interest in your better health, Medibank has also negotiated a speial agreement with Vision Eye Institute^. Members with Top Extras or Ultra Health Cover who have LASIK or ASLA surgery performed by a Vision Eye Institute surgeon will reeive a 15% redution on their surgial fees *. ^ Only available for servies in VIC, NSW and QLD * Exludes initial assessment fees To find out how to take advantage of these great offers, visit medibank.om.au 8
9 Choosing the right over is easy Three key areas of health over that visitors should onsider when in Australia: hospital, medial and extras. The options range from basi to omprehensive. Working Visa Hospital Insurane only provides over for hospital osts and in-hospital dotor s servies. Top 85 Working Visa Health Insurane overs you for hospital osts, dotors osts in and out of hospital, and a omprehensive list of everyday health are servies suh as dental and optial items, known as extras. Hospital Helps with the ost of being treated in a private hospital or a publi hospital as a private patient. It also allows you to hoose your own dotor, as well as whih hospital you would prefer to attend. Medial (In-Hospital) Helps to over the ost of dotors servies provided in-hospital. Working Visa Hospital Insurane Working Visa Hospital and Medial Insurane Top 85 Working Visa Health Insurane Eligibility for Working Visa Health Insurane overs Medibank Working Visa Health Insurane may only be purhased by people who are in Australia on ertain working-type visas approved by Medibank and The Department of Immigration and Border Protetion. This inludes but is not limited to the following: Visa sub lass Visa type 400 Temporary Work (Short Stay Ativity) 401 Temporary Work (Long Stay Ativity) 402 Training and Researh 420 Temporary Work (Entertainment) 457 Temporary Work (Skilled) 485 Temporary Graduate Visa All Working Visa Health Insurane overs inlude: Ambulane servies A repatriation benefit No exess for hildren Aess to Mi Health servies suh as a Medibank nurse 24/7. Medial (Out-Of-Hospital) Helps to over the ost of dotors servies provided out-of-hospital. Extras Helps you with the ost of servies that are not usually provided by hospitals suh as dental, physiotherapy, optial items and more. b b b For more information: See page 12 See page 13 See pages The table above is not a omplete list of visa sub lass lassifiations and visa sub lass numbers and they are subjet to hange by the Australian government from time to time. If your visa sub lass is not listed please all us. If your irumstanes hange (eg. you gain full aess to Mediare entitlements or your visa status hanges) you need to notify Medibank as Working Visa Health Insurane may no longer be suitable for you. 9
10 Understanding our overs Hospital What benefits are paid? For the servies inluded under eah of our overs, we ll pay benefits (less any appliable exess) towards: private hospital aommodation overnight aommodation in a private or shared room same day admissions intensive are theatre fees publi hospital aommodation as a private patient overnight aommodation in a private or shared room same day admissions (shared room only) dotors fees for in-hospital medial servies when you are treated as a private patient surgially implanted prostheses and other items on the Federal Government s Prostheses Shedule eligible ambulane servies where immediate professional attention is required (see page 20) Pharmaeutial Benefits Sheme (PBS) listed drugs, presribed aording to PBS approved indiations, that are administered during and form part of your admitted episode of are (inluding drugs presribed upon disharge). Please note that any harge above your benefit will form part of your out-of-poket expenses (see page 23 for more information). Mi Health - better health support for our members When you take out any of our Working Visa Health Insurane overs you'll have aess to the Mi Health range of support servies. Read more about Mi Health on page 6. Exess If you have an exess on your over, you must pay this amount towards the ost of your hospital treatment. An exess applies per person per alendar year and doesn t apply to hildren on your membership. Medial The medial omponent pays benefits towards medial servies that are listed under the Mediare Benefits Shedule (MBS) and provided either in or out of hospital by a dotor (eg. general pratitioner or speialist) depending on your level of over. The MBS lists a standard fee for most surgial and medial proedures (MBS fee). The amount of benefit you an expet to reeive from us is alulated as a perentage of the MBS fee. However, you ll have to pay any additional ost if the dotor harges you more than the benefit we pay you. With our Working Visa Health Insurane overs you ll generally reeive higher medial benefits than the benefits paid to a permanent Australian resident under Mediare. In-hospital medial The benefits you reeive for medial servies provided in-hospital (eg. surgeon s fees, anaesthetist s fees). Out-of-hospital medial The benefits you reeive for medial servies provided out-of-hospital (eg. dotor s visits, pathology). Presription only pharmaeutials important information Most international visitors to Australia are not eligible for subsidised pharmaeutials under the Pharmaeutial Benefits Sheme (PBS). Under our Working Visa Health Insurane overs we ll pay you benefits that are equal to the PBS government subsidy in exess of your patient ontribution. If high ost pharmaeutials are required for your treatment when in hospital, you may inur signifiant out-of-poket expenses. For more information on the PBS refer to pages 15 and 21 or visit health.gov.au 10
11 Extras The extras omponent of Top 85 Working Visa Health Insurane helps over the ost of what we all everyday health servies, suh as visits to the dentist, optial items and physiotherapy. Perentage bak at Members Choie providers When you have Top 85 Working Visa Health Insurane and visit a Members Choie extras provider for eligible servies, you ll get a perentage bak of the harge (up to appliable limits). For more details, see the table on page 15. And, you're also overed for: Repatriation benefit If you or any other member inluded on your membership has to be repatriated to your home ountry due to a substantial life-altering disability. Medibank may arrange and pay the reasonable ost of return travel with the appropriate medial supervision. See page 5 for more information. Fixed benefit at Non Members Choie providers A fixed benefit is the maximum amount we ll pay for eah servie or item (up to appliable limits). Usually it will be less than the provider s harge, whih means you may have out-of-poket expenses to pay. Annual limits Our Top 85 Working Visa Health Insurane over has annual limits. This is the maximum amount we ll pay for items or servies in a alendar year. The benefit we pay for a partiular item or servie may be less than the annual limit and less than your provider s harge, whih means you may have out-of-poket expenses to pay. See page 23 for more information. Orthodonti entitlement You start with an opening balane in the first year and you re topped up with an additional amount eah full alendar year of membership up to a maximum lifetime limit for your level of over. One you ve served your 12 month waiting period, you an laim up to 100% of your balane. See page 22 for more information. Benefit replaement period Benefit replaement periods may apply for some items/servies. See page 21 for more information. 11
12 Working Visa Hospital Insurane What's overed Hospital Medial Item/Servie Ambulane servies (see page 20 for more information) Knee reonstrution surgery & investigations Shoulder reonstrution surgery & investigations Appendiitis treatment Removal of tonsils & adenoids Surgial removal of wisdom teeth (for hospital harges only. See page 22.) Palliative are Psyhiatri treatment Rehabilitation treatment Heart-related servies Obstetris-related servies eg. pregnany Plasti & reonstrutive surgery (exludes osmeti surgery) Fertility treatment eg. IVF & GIFT programs Major eye surgery inluding atarat & lens-related servies Hip & knee joint replaement surgery Renal dialysis All other in-hospital servies reognised for Mediare benefit purposes Aess to Mi Health support servies Working Visa Hospital Insurane 24/7 Health Advie Line / Hospital Support / Mobile Health Apps Item/Servie Benefits for in-hospital medial Benefits for out-of-hospital medial What's overed? Hospital In-hospital medial Working Visa Hospital Insurane b Key: Servies we pay benefits towards. Servies we don t pay benefits toward. Note: Cosmeti treatment/proedures are exluded on all Medibank overs. For more information inluding other benefit assessment information, please refer to Things worth knowing on pages Your exess $300 Waiting periods may apply, inluding the 2 month waiting period on in-hospital psyhiatri treatment, rehabilitation treatment and palliative are (regardless of whether or not the ondition is pre-existing), 12 months for pre-existing onditions and for obstetris-related servies. 12
13 Working Visa Hospital and Medial Insurane What's overed Hospital Item/Servie Ambulane servies (see page 20 for more information) Knee reonstrution surgery & investigations Shoulder reonstrution surgery & investigations Appendiitis treatment Removal of tonsils & adenoids Surgial removal of wisdom teeth (for hospital harges only. See page 22.) Palliative are Psyhiatri treatment Rehabilitation treatment Heart-related servies Obstetris-related servies eg. pregnany Plasti & reonstrutive surgery (exludes osmeti surgery) Fertility treatment eg. IVF & GIFT programs Major eye surgery inluding atarat & lens-related servies Hip & knee joint replaement surgery Renal dialysis All other in-hospital servies reognised for Mediare benefit purposes Working Visa Hospital and Medial Insurane Medial Item/Servie Benefits for in-hospital medial Benefits for out-of-hospital medial What's overed? Hospital In-hospital medial Out-of-hospital medial Working Visa Hospital and Medial Insurane Key: Servies we pay benefits towards. Note: Cosmeti treatment/proedures are exluded on all Medibank overs. For more information inluding other benefit assessment information, please refer to Things worth knowing on pages Aess to Mi Health support servies 24/7 Health Advie Line / Hospital Support /Mobile Health Apps Your exess $300 Waiting periods may apply, inluding the 2 month waiting period on in-hospital psyhiatri treatment, rehabilitation treatment and palliative are (regardless of whether or not the ondition is pre-existing), 12 months for pre-existing onditions and for obstetris-related servies. 13
14 Top 85 Working Visa Health Insurane What's overed Hospital Medial Item/Servie Ambulane servies (see page 20 for more information) Knee reonstrution surgery & investigations Shoulder reonstrution surgery & investigations Appendiitis treatment Removal of tonsils & adenoids Surgial removal of wisdom teeth (for hospital harges only. See page 22.) Palliative are Psyhiatri treatment Rehabilitation treatment Heart-related servies Obstetris-related servies eg. pregnany Plasti & reonstrutive surgery (exludes osmeti surgery) Fertility treatment eg. IVF & GIFT programs Major eye surgery inluding atarat & lens-related servies Hip & knee joint replaement surgery Renal dialysis All other in-hospital servies reognised for Mediare benefit purposes Aess to Mi Health support servies Top 85 Working Visa Health Insurane 24/7 Health Advie Line / Hospital Support / Mobile Health Apps Item/Servie Benefits for in-hospital medial Benefits for out-of-hospital medial Top 85 Working Visa Health Insurane Key: Servies we pay benefits towards. Note: Cosmeti treatment/proedures are exluded on all Medibank overs. For more information inluding other benefit assessment information, please refer to Things worth knowing on pages Members Choie extras providers We ve negotiated apped harges or disounts with the following healthare professionals so you an laim 85% bak * : Dental Physio Chiro Naturopathy Optial Items Aupunture Remedial Massage Podiatry Plus at all optial retailers, you an laim 100%* bak on a range of glasses or ontat lenses. See page 7 for more information about Members Choie. * Where eligible and subjet to your annual limits and waiting periods. What's overed? Hospital In-hospital medial Out-of-hospital medial Extras Exess options No exess $300 Waiting periods may apply, inluding the 2 month waiting period on in-hospital psyhiatri treatment, rehabilitation treatment and palliative are (regardless of whether or not the ondition is pre-existing), 12 months for pre-existing onditions and for obstetris-related servies. 14
15 Get a free dental hek-up With Top 85 Working Visa Health Insurane you get a free dental hek-up, sale and lean (exludes x-rays) per person, per alendar year at a Members Choie dentist. Extras With Top 85 Working Visa Health Insurane, we ll pay benefits towards the items and servies listed in this table. It shows the annual limits that apply per person per alendar year. The benefit we pay for a partiular item or servie may be less than the annual limit and less than your provider s harge, whih means you may have out-of-poket expenses to pay. Item/Servie Waiting period # Top 85 Working Visa Health Insurane General dental Inludes preventative treatment, dental examinations, sale & lean Surgial dental proedures 2 months 12 months No annual limit Optial items Physiotherapy Chiroprati Osteopathy Natural therapies Major dental 100% bak up to your annual limit inludes frames, presription lenses & ontat lenses Inludes onsultations, group pilates & hydrotherapy sessions Consultations for naturopathy, aupunture & remedial massage Consultations for myotherapy, reflexology, kinesiology, Chinese & Western herbalism, exerise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander tehnique & Feldenkrais Endodonti servies (eg. root anal) Periodontis (i.e. treatment of gum disease) Crowns, dentures & bridges Major restorative fillings (eg. veneers) 6 months $250 2 months $700 2 months $500 2 months 2 months $ months $1,200 Orthodontis eg. braes (see page 22 for more information) 12 months $1,000 opening balane top up of $500 per year up to $3,000 lifetime limit Presription Pharmaeutials (non-pbs) For presriptions only. Benefits will be paid after a set harge has been deduted (see page 21 for more information) 2 months $600 Dietetis 2 months $500 Podiatry Inludes speified orthotis 2 months $500 Clinial psyhology Consultations only 2 months $500 Oupational therapy 2 months $500 Speeh therapy 2 months $500 Eye therapy 2 months $500 Breathing applianes Peak flow meters, nebulisers & spaing devies 12 months Blood gluose monitors & blood pressure monitors 100% bak up to your annual limit 24 months Hearing aids 36 months $1,200 Health applianes & external prostheses eg. insulin delivery pens 2 months $500 $250 # The 2 month waiting period is waived when the servie arises from an aident. Note: benefit replaement periods may apply for some items. See page 21 for more information. 15
16 Manage your membership online Medibank Online Member Servies is a onvenient way of managing your membership online. You an submit laims, make payments and aess health programs 24/7. By logging into Online Member Servies you an make the most of your membership. Make an extras laim and view laiming history* Aupunture Chiroprati Dental Eye therapy Osteopathy Pharmaeutials (non-pbs) Medibank Mobile App The Medibank Mobile App is free for anyone with a ompatible iphone or Android mobile. If you've registered for Online Member Servies you an use your login details to aess the app. You an download the app from the App Store on iphone or Android Market on Android mobiles. There are other apps you an aess as a Medibank member, see page 6 for more information. iphone is a trademark of Apple In. Android is a trademark of Google In. App store is a servie mark of Apple In. Dietetis Myotherapy Naturopathy Oupational therapy Optial items Orthodontis Physiotherapy Podiatry Clinial psyhology Remedial massage Speeh therapy Make a dotor's laim (GP only)^ Register and Login You an register for Online Members Servies at To login visit If you're having trouble registering please all us on Manage payments Pay premiums or renew membership Change payment type View payment details Manage your membership Manage your mailbox and send seure mail to us View membership details Download brohures and forms Order a replaement membership ard Request to suspend membership Update ontat details Register your bank aount details to reeive benefits for extras laims by EFT * Only available to members with Top 85 Working Visa Health Insurane. ^ Not available on Working Visa Hospital Insurane over Waiting periods may apply to some servies. Please note: All urrent Medibank members aged 16 years and over an use Online Member Servies. If you re the poliy holder, you'll have aess to all the features under your over type. Aess to some funtions may be limited for your spouse/partner and dependants. 16
17 Things worth knowing Understanding private health insurane an be ompliated. This setion is designed to help make things a little easier for you. It ontains some important information about our overs along with explanations of ommonly used terms you may not be familiar with. It also gives you an overview of some of our key rules. It s important you have a good look through the Working Visa Health Insurane Membership guide whih is available at medibank.om.au You ll also reeive a opy of this one you join. This ontains a summary of the rules of your membership (known as our Fund rules) things like your responsibilities as a member. It s important to read the Cover summary where you ll reeive further details about your over and entitlements. Helping you hoose the right over Am I eligible for Working Visa Health Insurane? Medibank Working Visa Health Insurane overs are only available to people who are in Australia and on Medibank's list of eligible working-type visas. See page 9 for more information. We may require proof of eligibility suh as a opy of your visa. Medibank an transfer anyone who is not eligible for our Working Visa Health Insurane overs to an alternative over. We an bakdate this hange and require you to pay any additional premiums and/or repay any higher benefits you reeived on your Working Visa Health Insurane over. So it s important that you let us know if your visa status hanges. Reiproal Health Care Agreements Australia has Reiproal Health Care Agreements (RHCA) with the United Kingdom, New Zealand, Italy, Belgium, Malta, the Netherlands, Slovenia, Sweden, Finland, Norway and the Republi of Ireland. If you re a resident of a ountry whih has a Reiproal Health Care Agreement with Australia, you may be entitled to restrited aess to Mediare, but only for medially neessary treatment. Post-arrival time limits and other restritions may apply. So be sure to hek what you re overed for before relying on a Reiproal Health Care Agreement. For further information, please ontat Mediare on What if I m an international student? If you re an international student with a valid student visa, our Working Visa Health Insurane overs will not meet your student visa requirements. We reommend you purhase Medibank Overseas Student Health Cover (OSHC) whih is speifially designed with the needs and budgets of students in mind. You an purhase your OSHC online at medibank.om.au/osh or visit a Medibank store. What happens if I beome a permanent resident? When your resideny status hanges remember to all us on or visit a store to review your over and disuss your over options. 17
COVER SUMMARY ULTRA HEALTH COVER
COVER SUMMARY ULTRA HEALTH COVER This provides an important summary of your cover and we recommend that you read and retain it. You can find out more about your membership by referring to the Member Guide,
More informationVISITORS HEALTH INSURANCE PEACE OF MIND FOR BETTER HEALTH. Membership guide 1
VISITORS HEALTH INSURANCE PEACE OF MIND FOR BETTER HEALTH Membership guide 1 Australia is an exciting place to holiday, visit family and friends or work Australia is one of the most culturally diverse
More informationPET INSURANCE GIVING YOUR PETS AS MUCH AS THEY GIVE YOU.
PET INSURANCE GIVING YOUR PETS AS MUCH AS THEY GIVE YOU. THEY RE HEALTHIER, YOU RE HAPPIER. ALL PART OF GENERATION BETTER. Give your best mate the best are possible Think of Medibank Pet Insurane like
More informationHealth Insurance. Freedom of choice Peace of mind For better health. Corporate health cover
Health Insurance Freedom of choice Peace of mind For better health health cover Everyone has the right to better health Choosing private health insurance can be confusing, from trying to decide whether
More informationFreedom of choice Peace of mind For better health. Visitors Health Insurance
Freedom of choice Peace of mind For better health Visitors Health Insurance Australia is an exciting place to holiday, visit family and friends or work. Australia is one of the most culturally diverse
More informationHealth Savings Account Application
Health Savings Aount Appliation FOR BANK USE ONLY: ACCOUNT # CUSTOMER # Health Savings Aount (HSA) Appliation ALL FIELDS MUST BE COMPLETED. Missing fields may delay the aount opening proess and possibly
More informationFlorida Blue has got you covered. Choose your plan. Choose your network.
overed. Choose your plan. Choose your network. When it omes to your health are overage, you an ount on us. attention and extra support are part of every plan. You hoose features that are most important
More informationDID YOU KNOW? IMPORTANT INFORMATION
i DID YOU KNOW? IMPORTANT INFORMATION Why Medibank? Medibank is more than just about insuring your health. We have the people, services and resources to be your personal health partner, helping you to
More informationCORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS
CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS A B WELCOME TO BUPA We all want to live longer, healthier, happier lives. Bupa has a range of health covers designed to help find a healthier you.
More informationMEDIBANK OVERSEAS STUDENT HEALTH COVER
MEDIBANK OVERSEAS STUDENT HEALTH COVER Studying in a foreign country is an exciting experience Keeping healthy will help you get the most out of your studies and ensure you enjoy your time in Australia.
More information01 Start with hospital cover
01 Start with hospital cover nib private hospital covers pay benefits toward the cost of treatment in an nib Agreement Private Hospital or any public hospital. We recommend top hospital cover for peace
More informationState of Maryland Participation Agreement for Pre-Tax and Roth Retirement Savings Accounts
State of Maryland Partiipation Agreement for Pre-Tax and Roth Retirement Savings Aounts DC-4531 (08/2015) For help, please all 1-800-966-6355 www.marylandd.om 1 Things to Remember Complete all of the setions
More informationCORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU
CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives.
More informationMEMBERSHIP GUIDE. Working Visa Health Insurance. Effective 1 December 2014. Membership Guide 1
MEMBERSHIP GUIDE Working Visa Health Insurance Effective 1 December 2014 Membership Guide 1 This guide applies to the following covers: Top 85 Working Visa Health Insurance, Working Visa Hospital and Medical
More information30 DAY. How to choose. Contents GUARANTEE. Get your personalised quote today. It s worth it. Start with hospital cover. Tailor your Extras
Product information How to choose Contents How to choose 1 Start with hospital cover 2 Tailor your Extras 6 Top Extras 8 01 02 Start with hospital cover We recommend our top hospital cover for peace of
More informationANZ Health Insurance. anz.com A2719/0410 BUPA 04409-03-10S
A2719/0410 BUPA 04409-03-10S Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ) Effective date 1
More informationOverseas Visitors Cover
straightforward health insurance Overseas Visitors Cover Australia welcomes you 2 3 Who are GMF Health? GMF Health is a not-for-profit Australian private health insurer, that s been providing affordable
More informationINCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS
Virginia Department of Taxation INCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS www.tax.virginia.gov 2614086 Rev. 07/14 * Table of Contents Introdution... 1 Important... 1 Where to Get Assistane... 1 Online
More informationMedibank Corporate Health Cover. Presenter Date: 27/03/2012
Medibank Corporate Health Cover Presenter Date: 27/03/2012 New Medibank corporate health cover. It works for you. Why choose Medibank corporate health cover? You will have greater control over your health
More informationUltimate Health Cover
Ultimate Health Cover 1 April 2013 Your level of cover is a packaged hospital and extras cover. HOSPITAL COVER Your hospital cover provides comprehensive cover that helps pay for hospital and in-patient
More informationMedibank Overseas Student Health Cover. Medibank Overseas Student Health Cover
Medibank Overseas Student Health Cover Medibank Overseas Student Health Cover Studying in a foreign country is an exciting experience Keeping healthy will help you get the most out of your studies and
More informationTable of Contents. Appendix II Application Checklist. Export Finance Program Working Capital Financing...7
Export Finane Program Guidelines Table of Contents Setion I General...........................................................1 A. Introdution............................................................1
More informationMembership guide. Overseas Student Health Cover
Membership guide Overseas Student Health Cover Effective 1 April 2014 This guide applies to Medibank Overseas Student Health cover # You should read this guide in conjunction with the Cover summary that
More informationOVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU
OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. We focus on your health, so you
More informationINCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS
Virginia Department of Taxation INCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS www.tax.virginia.gov 2614086 Rev. 01/16 Table of Contents Introdution... 1 Important... 1 Where to Get Assistane... 1 Online File
More informationMEMBER. Application for election MEMBER, NEW GRADUATE. psychology.org.au. April 2015
MEMBER Appliation for eletion MEMBER, NEW GRADUATE April 2015 psyhology.org.au MEMBER Belonging to the Australian Psyhologial Soiety (APS) means you are part of an ative, progressive organisation whih
More informationThe D.C. Long Term Disability Insurance Plan Exclusively for NBAC members Issued by The Prudential Insurance Company of America (Prudential)
Plan Basis The D.C. Long Term Disability Insurane Plan Exlusively for NBAC members Issued by The Prudential Insurane Company of Ameria (Prudential) What does it over? The D.C. Long Term Disability Insurane
More informationCORPORATE VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU
CORPORATE VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. So whatever your reason for visiting
More informationADVANTAGE OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU
ADVANTAGE OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. We focus on your health,
More informationGOING TO HOSPITAL WHAT YOU NEED TO KNOW
GOING TO HOSPITAL WHAT YOU NEED TO KNOW Going to hospital We understand that going to hospital can be a stressful time. If you re feeling nervous or don t quite know what to expect don t worry, this is
More informationstraightforward health insurance Your Health Cover Options
straightforward health insurance Your Health Cover Options 1 Welcome to GMF Health Why you need GMF Health cover GMF Health has been helping the people of Western Australia for over 60 years. Over that
More informationPublic Hospital. Bronze Extras * Ambulance cover
Effective 1 July 2015 Hospital & Bronze Extras * *This cover is closed to new members Our Hospital & Bronze Extras cover gives you cover as a private patient in a public hospital for most services, as
More informationnib OSHC Premium Need help? Call us on 1800 783 685 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth
Need help? Call us on 1800 783 685 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW 2300
More informationIncome Protection CLAIM FORM
Inome Protetion CLAIM FORM PLEASE COMPLETE THIS APPLICATION IN BLACK PEN ONLY USING BLOCK LETTERS 1 PERSONAL DETAILS Poliy numer Important notes: a This form must e ompleted in full and returned to PO
More informationwww.nextstepaustralia.com Healthcare in Australia
www.nextstepaustralia.com Healthcare in Australia Healthcare in Australia Australia has a complex healthcare system including both public & private provision. Medicare the state-run healthcare scheme is
More informationRetirement Option Election Form with Partial Lump Sum Payment
Offie of the New York State Comptroller New York State and Loal Retirement System Employees Retirement System Polie and Fire Retirement System 110 State Street, Albany, New York 12244-0001 Retirement Option
More informationCORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS
CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS A B WELCOME TO BUPA We all want to live longer, healthier, happier lives. Bupa has a range of health covers designed to help find a healthier you.
More informationHow To Get A Better Health Care Package From Australia Health Insurance
Effective 1 April 2015 Cover Comparison PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. WAITING PERIODS! Immediate cover 2 Months 6 Months
More informationA MESSAGE FROM THE CHAIRMAN...
insurane brokers A MESSAGE FROM THE CHAIRMAN........... A MESSAGE FROM THE CHAIRMAN.......... Every single member of MKenzie Ross is part of a team, dediated to both our lients profession. Every single
More informationOSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415
Need help? Call us on 1800 775 204 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/overseas-students nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW
More informationOSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415
Need help? Call us on 1800 775 204 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/overseas-students nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW
More informationAccount Contract for Card Acceptance
Aount Contrat for Card Aeptane This is an Aount Contrat for the aeptane of debit ards and redit ards via payment terminals, on the website and/or by telephone, mail or fax. You enter into this ontrat with
More informationExtras Cover (as at April 2015)
April 2015 Page 2 of 12 Extras Cover (as at April 2015) Benefits are rebated at 90% of the fee charged for each service/item, up to the maximum benefit payable. Item numbers have been shown where possible
More informationCustomer Care Centre Monday - Friday 8:30am - 6:00pm (AEDT) 1800 22 11 33 (calling from overseas) +61 2 4914 1131. or visit austhealth.
Customer Care Centre Monday - Friday 8:30am - 6:00pm (AEDT) 1800 22 11 33 (calling from overseas) +61 2 4914 1131 or visit austhealth.com A subsidiary of nib holdings limited IMAN Australian Health Plans
More informationSuggested Answers, Problem Set 5 Health Economics
Suggested Answers, Problem Set 5 Health Eonomis Bill Evans Spring 2013 1. The graph is at the end of the handout. Fluoridated water strengthens teeth and redues inidene of avities. As a result, at all
More informationi e AT 1 of 2012 DEBT RECOVERY AND ENFORCEMENT ACT 2012
i e AT 1 of 2012 DEBT RECOVERY AND ENFORCEMENT ACT 2012 Debt Reovery and Enforement At 2012 Index i e DEBT RECOVERY AND ENFORCEMENT ACT 2012 Index Setion Page PART 1 INTRODUCTORY 5 1 Short title... 5
More informationfriends I am with It's good to know Studying in a foreign country is an exciting experience.
Studying in a foreign country is an exciting experience. It s a time to learn new skills, make new friends and explore new opportunities for your future. Keeping healthy will help you get the most out
More informationHospital Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer.
Hospital Guide Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. Contents Page 3 Things you should know before you go to hospital
More informationHealth Insurance MEMBERSHIP GUIDE
Health Insurance MEMBERSHIP GUIDE Effective February 2015 This guide is a summary of the Fund Rules and policies of Medibank Private affecting members who are Australian residents. You should read this
More informationWorking Visitor Health Cover
Need help? Call us on 1800 22 11 33 from overseas +61 2 4914 1131 Mon to Fri: 8.30am 6.00pm (AEST) Or visit aushealth.com IMAN Australian Health Plans Pty Ltd ABN 34 144 907 746 a subsidiary of nib holdings
More informationPrivate Plus Hospital - $250/$500 Excess & Basic Extras Effective 1 September 2014
Mail: Locked Bag 25, Wollongong NSW 2500 - Phone: 1800 148 626 - Fax: 1300 673 406 Email: info@onemedifund.com.au - Web: www.onemedifund.com.au Private Plus Hospital - $250/$500 Excess & Basic Extras Effective
More informationExtras Plus Effective 1 October 2014
Mail: Locked Bag 25, Wollongong NSW 2500 - Phone: 1800 148 626 - Fax: 1300 673 406 Email: info@onemedifund.com.au - Web: www.onemedifund.com.au Extras Plus Effective 1 October 2014 Benefit Summary Note:
More informationOVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU
OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. We focus on your health, so you
More informationBENEFICIARY CHANGE REQUEST
Poliy/Certifiate Number(s) BENEFICIARY CHANGE REQUEST *L2402* *L2402* Setion 1: Insured First Name Middle Name Last Name Permanent Address: City, State, Zip Code Please hek if you would like the address
More informationHEALTH INSURANCE HCF FAQs
HEALTH INSURANCE HCF FAQs What benefit is available through Member Advantage? Members receive a 5% discount off all current HCF hospital and extras products. What is the relationship between Member Advantage
More informationAbout your Salesforce.com Inpatriate Health Plan
About your Salesforce.com Inpatriate Health Plan Welcome to GU Health Inside The essentials of your cover with GU Health 2 What your health cover includes Choose from either a Single or Family Membership
More informationOverseas Visitors Health Cover
Overseas Visitors Health Cover Valid until 2014-15 Reg. No. 5037 Health Insurance Australia 2009-2014 February 2015 Overseas Visitors Health Cover Welcome to Australia Like most countries, healthcare in
More informationprepayment / change of prepayment 1) Seafaring
APPLICATION FOR PREPAYMENT AND FOR CHANGE IN WITHHOLDING TAX PERCENTAGE 2016 This form is for individual taxpayers, businesses or self-employed, farmers or partners in partnership for appliations for a
More informationSCHEME FOR FINANCING SCHOOLS
SCHEME FOR FINANCING SCHOOLS UNDER SECTION 48 OF THE SCHOOL STANDARDS AND FRAMEWORK ACT 1998 DfE Approved - Marh 1999 With amendments Marh 2001, Marh 2002, April 2003, July 2004, Marh 2005, February 2007,
More informationMEDICATION MANAGEMENT ASSESSMENT
MEDICATION MANAGEMENT ASSESSMENT The Mediation Management Assessment provides evidene-based reommendations/standards for Minnesota hospitals in the development of a omprehensive mediation safety program.
More informationHealth Insurance Product Information Brochure
Need help? Sales: 13 50 50 Go to apia.com.au Claims and service: 1800 274 213 Email: apiahealth@nib.com.au Mon to Fri: 8am - 8.30pm Sat: 8am - 1pm (AEST) Health Insurance Product Information Brochure This
More informationSHORT STAY VISITORS COVER BUPA. FIND A HEALTHIER YOU
SHORT STAY VISITORS COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. So whatever your reason for visiting
More informationExempt Organization Business Income Tax Return
Form For alendar year 2013 or other tax year beginning, and ending. 34 Unrelated business taxable. Subtrat line 33 from line 32. If line 33 is greater than line 32, enter the smaller of zero or line 32
More informationTransfer of Functions (Isle of Man Financial Services Authority) TRANSFER OF FUNCTIONS (ISLE OF MAN FINANCIAL SERVICES AUTHORITY) ORDER 2015
Transfer of Funtions (Isle of Man Finanial Servies Authority) Order 2015 Index TRANSFER OF FUNCTIONS (ISLE OF MAN FINANCIAL SERVICES AUTHORITY) ORDER 2015 Index Artile Page 1 Title... 3 2 Commenement...
More informationCORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU
CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives.
More informationUNIVERSITY AND WORK-STUDY EMPLOYERS WEB SITE USER S GUIDE
UNIVERSITY AND WORK-STUDY EMPLOYERS WEB SITE USER S GUIDE September 8, 2009 Table of Contents 1 Home 2 University 3 Your 4 Add 5 Managing 6 How 7 Viewing 8 Closing 9 Reposting Page 1 and Work-Study Employers
More informationi e AT 21 of 2006 EMPLOYMENT ACT 2006
i e AT 21 of 2006 EMPLOYMENT ACT 2006 Employment At 2006 Index i e EMPLOYMENT ACT 2006 Index Setion Page PART I DISCRIMINATION AT RECRUITMENT ON TRADE UNION GROUNDS 9 1 Refusal of employment on grounds
More informationActive Choice. Young Choice. Effective 1 April 2015
Effective 1 April 2015 Active Choice Young Choice PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. For cover that s hassle free and easy
More informationCorporate health COVER. Bringing you corporate Benefits
Corporate health COVER Bringing you corporate Benefits We ll help find a healthier you It s our purpose that makes us different we want our members to live longer, healthier, happier lives. We offer more
More informationOPERATIONAL CIRCULAR
Department of Health Government of Western Australia OPERATIONAL CIRCULAR Enquiries to: Rob Henry Tel: 9222 2037 Number: OP 1748/04 Supersedes: OP 1355/00 (09/11/2000) Date: 12 March 2004 Superseded by:
More informationMember Guide Important information about your Health Insurance
Member Guide Important information about your Health Insurance February 2016 2 Member Guide What s inside How to use our Member Guide...3 Joining Statement...3 I ve joined. What now?...4 Member card...4
More informationDisability Discrimination (Services and Premises) Regulations 2016 Index DISABILITY DISCRIMINATION (SERVICES AND PREMISES) REGULATIONS 2016
Disability Disrimination (Servies and Premises) Regulations 2016 Index DISABILITY DISCRIMINATION (SERVICES AND PREMISES) REGULATIONS 2016 Index Regulation Page 1 Title... 3 2 Commenement... 3 3 Interpretation...
More informationANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Western Australia. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655
Taking a fresh approach ANZ Health Insurance Easy Reference Guide Western Australia Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking
More informationi e AT 3 of 1970 INCOME TAX ACT 1970
i e AT 3 of 1970 INCOME TAX ACT 1970 Inome Tax At 1970 Index i e INCOME TAX ACT 1970 Index Setion Page Liability to Inome Tax 11 1 Imposition of inome tax... 11 1A [Repealed]... 13 2 Inome on whih tax
More informationMedibank Private Overseas Student Health Cover
Medibank Private Overseas Student Health Cover Effective 14 August 2009 What is inside Why OSHC and Medibank Private What is OSHC? Who needs OSHC? Why Medibank Private OSHC? Who is covered? How much does
More informationOPERATIONAL CIRCULAR
OPERATIONAL CIRCULAR Enquiries to: Rob Henry - Tel: 9222 2037 Number: OP 1841/04 Supersedes: OP 1807/04 (01/07/2004) Date: 16 September 2004 Superseded by: OP 1936/05 (07/04/2005) File No: 04-00928 Subject:
More informationReciprocal Health Care Agreements
Policy Directive Reciprocal Health Care Agreements Document Number PD2011_059 Publication date 21-Sep-2011 Functional Sub group Corporate Administration - Fees Ministry of Health, NSW 73 Miller Street
More informationWaiting Period. Item No. Service. Per person combined. Routine Dental (most common shown) Diagnostic
Super Extras This Quick Guide shows you what you can claim, how much you ll get back, your annual limits and when you can start claiming. This information will help you make the most of your cover. After
More informationANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Tasmania. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655
Taking a fresh approach ANZ Health Insurance Easy Reference Guide Tasmania Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group Limited
More informationOPERATIONAL DIRECTIVE. Reciprocal Health Care Agreements (RHCA) Eligibility to the Highly Specialised Drugs Program. Superseded By
OPERATIONAL DIRECTIVE Enquiries to: Philip Brown OD number: OD 0379/12 Phone number: (08) 9222-2054 Date: 27 June 2012 Supersedes: OD 0322/11 File No: F-AA-01467/04 Subject: Reciprocal Health Care Agreements
More informationHow To Get A Nib Insurance Policy
Corporate Choosing your He alth COVer health cover for the real world it s worth it Welcome to nib At nib, we believe Private Health Insurance should be easy to understand, easy to claim on and most of
More informationGiving you peace of mind. Ambulance Cover
Giving you peace of mind Ambulance Cover 2 Don t get caught out Medibank Ambulance Cover offers you peace of mind, at an affordable price. You may not be aware that ambulance services can be expensive.
More informationANZ Health Insurance. Taking a fresh approach. Easy Reference Guide New South Wales. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655
Taking a fresh approach ANZ Health Insurance Easy Reference Guide New South Wales Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group
More informationUltimate choice. TUH it s my health fund! so why is TUH the best choice for you! Extended dependant cover. Effective 4 April 2012
Effective 4 April 2012 PLEASE ENSURE THAT THIS BROCHURE IS READ CAREFULLY AND RETAINED. Ultimate choice This package is the NUMBER ONE choice for superior health insurance. Ultimate Choice is designed
More informationANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Queensland. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655
Taking a fresh approach ANZ Health Insurance Easy Reference Guide Queensland Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group Limited
More informationFinancial Services. LexisNexis. Catalogue 2015. Financial Services. For more in-depth information please visit www.lexisnexis.co.
LexisNexis Catalogue 2015 Finanial Servies Finanial Servies For more in-depth information please visit www.lexisnexis.o.za/atalogue LexisNexis Catalogue 2015 Finanial Servies This atalogue has been designed
More informationPROCEEDS OF CRIME (BUSINESS IN THE REGULATED SECTOR) ORDER 2015
Proeeds of Crime (Business in the Regulated Setor) Order 2015 Artile 1 Statutory Doument No. 2015/0073 Proeeds of Crime At 2008 PROCEEDS OF CRIME (BUSINESS IN THE REGULATED SECTOR) ORDER 2015 Approved
More informationAnnual Return/Report of Employee Benefit Plan
Form 5500 Department of the Treasury Internal Revenue Servie Department of Labor Employee Benefits Seurity Administration Pension Benefit Guaranty Corporation Annual Return/Report of Employee Benefit Plan
More informationServices. Essential Extras. Premier Extras
cover Acupuncture 3 3 3 Ambulance 3 3 7 Audiology (Hearing Tests) 3 3 7 Chiropractic 3 3 3 Dental General 3 3 3 Dental Major (excl. Orthodontics) 3 3 7 Diabetes Education 3 3 7 Diabetes Australia Membership
More informationi e AT 6 of 2001 REHABILITATION OF OFFENDERS ACT 2001
i e AT 6 of 2001 REHABILITATION OF OFFENDERS ACT 2001 Rehabilitation of Offenders At 2001 Index i e REHABILITATION OF OFFENDERS ACT 2001 Index Setion Page 1 Rehabilitated persons and spent onvitions...
More informationGOING TO HOSPITAL WITH YOU ON YOUR JOURNEY
GOING TO HOSPITAL WITH YOU ON YOUR JOURNEY About Bupa Bupa is a healthcare leader, proudly looking after the needs of more than three million Australians. We have been around for over 60 years and we re
More informationMember Guide. Victoria Sept 2012
Member Guide Victoria Sept 2012 Contents atthe heartof ourhealthy community weare Why do I need private health insurance?...2 Why choose GMHBA?...3 Mix and match to suit your needs...4 What life stage
More informationChoosing the right nib cover for you. Why you need health cover and all the great reasons to be with nib
Choosing the right nib cover for you Why you need health cover and all the great reasons to be with nib Private health cover opens up a world of choice While it s great that all Australians are entitled
More informationHenley Business School at Univ of Reading. Pre-Experience Postgraduate Programmes Chartered Institute of Personnel and Development (CIPD)
MS in International Human Resoure Management For students entering in 2012/3 Awarding Institution: Teahing Institution: Relevant QAA subjet Benhmarking group(s): Faulty: Programme length: Date of speifiation:
More informationi e AT 28 of 1976 EMPLOYERS LIABILITY (COMPULSORY INSURANCE) ACT 1976
i e AT 28 of 1976 EMPLOYERS LIABILITY (COMPULSORY INSURANCE) ACT 1976 Employers' Liability (Compulsory Insurane) At 1976 Index i e EMPLOYERS LIABILITY (COMPULSORY INSURANCE) ACT 1976 Index Setion Page
More informationOverview Australian Public Health System Medicare
Overview Australian Public Health System Medicare May 2014 CONTENTS INTRODUCTION 1 The Public Healthcare System in Australia 1 MEDICARE 1 Medicare Benefits Schedule (MBS) 1 Medicare Services 1 What is
More informationVISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU
VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. So whatever your reason for visiting Australia,
More informationactive choice TUH it s my health fund! comprehensive, efficient and friendly service right from the word go TUH offers
Effective 2 April 2014 Queensland s health fund of choice active choice TUH offers comprehensive, efficient and friendly service right from the word go TUH it s my health fund! Far West Outback PLEASE
More informationNot-for-profit BIG benefits
Not-for-profit BIG benefits Information & Benefits 1st of April 2015 1 Welcome to the Health Fund that puts you first. With over 60 years servicing the needs of our members, Phoenix Health Fund continues
More informationAT 6 OF 2012 GAMBLING DUTY ACT 2012
i e AT 6 OF 2012 GAMBLING DUTY ACT 2012 Gambling Duty At 2012 Index i e GAMBLING DUTY ACT 2012 Index Setion Page PART 1 INTRODUCTORY 5 1 Short title... 5 2 Commenement... 5 3 General interpretation...
More information