Health insurance for Defence Connections Experience family value

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1 Health insurance for Defence Connections Experience family value Issued September 2014

2 Contents Introduction 1 Who s eligible to join 2 Why you re better off with private 3 health insurance Types of cover 6 Finding the right type of cover 7 Hospital cover 10 Extras cover 16 Get the lowdown 24 Making the most of the Australian 28 Government s initiatives Important information 30 More ways we treat you like family 31 How to join the family 32 Information in this brochure is current as at 1 September It replaces all earlier versions. Please read it carefully and retain with any other Defence Health documentation.

3 Call us on We re always here to help because that s what family is for. At Defence Health, we put our members before profit. Because our members are more than just a name or number to us. They re just like family. In these pages you ll discover why over 200,000 Australians, all with connections to Defence, have joined our family. And if you decide to join us, you ll discover why they stay. Like any good family, we support each other through good times and bad, and always take the time to listen. To us, family is the most important thing. That s why we are not for profit and all for the benefit of our members. That s why we ll defend your right to the very best cover and protection. If you want great value health insurance from an insurer that cares about your wellbeing and always provides excellent service, you re in the right place. Read on and if you have any questions we re just a phone call away. Because that s what families are for. Defence Connections 1

4 Who s eligible to join Defence connections Past Service All those who have previously served in the ADF (full-time or part-time) and their partners and children ADF supporters Anyone who works or has worked in the Dept of Defence and other Defence-related departments Anyone who works or has worked for a Defence supplier a company or agency contracted to the Department of Defence, where you are or were involved in the supply of goods and services to Defence. Extended families of all above Your mum and dad, sister and brother, grandkids and even your ex-spouse/partner ADF families Full-time ADF and active Reservists, plus their partners and children can all join Defence Health. If you re a member of the permanent ADF you don t need to cover yourself but you can cover your partner and/or child(ren). We ve got a different brochure for ADF families. Visit our website to download it or call us on and we ll send you a copy. 2

5 Visit defencehealth.com.au Why you re better off with private health insurance Manage your health costs Manage the costs of hospital admissions and medical treatment and enjoy money back on extras. Control your care Choose your doctor, specialist and the hospital you re treated in. Skip the queues Avoid public hospital waiting lists and get the treatment you need sooner. Maximise Government incentives Access the Australian Government Rebate on private health insurance which can reduce the premium you pay. Avoid the Lifetime Health Cover loading Take out hospital cover by July 1 after turning 31 and you can avoid paying a Lifetime Health Cover loading. Reduce your taxes Higher income earners can avoid paying the Medicare Levy Surcharge by taking out hospital cover. Money back on extras Get money back when you visit dentists, physios, optometrists and others. Defence Connections 3

6 Why you re better off with Defence Health 4

7 Call us on Special features for our whole family Low management costs Because we have low management expenses, we can keep your premiums lower and return more in benefits. Not-for-profit To us, family is the most important thing. That s why we re not for profit and all for the benefit of our members. Comprehensive ambulance cover Every policy includes 100% cover for treatments provided by state-appointed ambulance services across Australia. And there s no limit on the number of times you can use the service when needed. One of the largest hospital networks We have agreements with over 500 hospitals around the country. This significantly reduces your out-of-pocket expenses. So no matter where you are, your closest private hospital will almost certainly be contracted to us. Great optical benefits Members with extras cover can get no-gap glasses from our optical partners, Specsavers and VSP Vision Care. Our extensive optical network reaches far and wide with over 600 providers around the country. No waiting when you switch If you switch from another insurer with an equivalent level of cover, we recognise any waiting periods you ve already served. So you can make claims right away. Simple claiming You can claim your extras on the spot, online, or on your mobile with our free app. Over 60 years of service We were created to support the families of those who defend our country. After 60 years, as Defence has grown, our family has also grown. And now we embrace everyone with a Defence connection. Supporting the Defence community We support the Defence community through sponsorships of Defence community groups and organisations like Defence Families of Australia and Defence Special Needs Support Group. Funding for medical research We established the Defence Health Foundation in 2010 to fund medical research aimed at helping ADF serving and ex-serving personnel and their families. Just another way we support the Defence community. Special features for full time ADF and active Reservists Exclusive ADF packages with national pricing These packages offer targeted benefits specially for ADF families. Special prices on mix and match range All ADF and active Reservists get special pricing for our mix and match hospital and extras covers, just in case the ADF packages don t meet your needs. Suspension of health cover ADF personnel can suspend their cover for up to 24 months when they are sent overseas on an accompanied posting. Active Reservists on continuous full-time service (CFTS) for more than 28 days can also suspend their cover for the full duration of the service. Transition discount for discharging ADF Discharging full-time ADF personnel, who aren t becoming active Reservists, receive a 10% discount on mix and match hospital or hospital and extras in their first year, as long as it s paid for by direct debit. No waiting periods for discharging ADF All waiting periods are waived for those who join within two months of discharging from the full-time ADF. Excellent service We never forget we re dealing with your health and wellbeing. We listen to you, and offer the protection you want. Our members are more than a name or a number: they re just like family. Defence Connections 5

8 Types of cover We offer a range of hospital covers and extras covers that can be mixed and matched to meet your needs. Mix and match Hospital cover Hospital cover helps lower or remove your costs when you re a private patient in hospital. We have three levels of hospital cover, Premier, Value and Essentials. The level you choose determines the number and types of procedures and services you re covered for. The higher your level of cover, the more you ll be covered for. Extras cover Extras cover helps lower or remove your costs when you visit health and wellbeing providers whose fees aren t covered by Medicare. They include dentists, chiropractors, physiotherapists, a range of alternative therapists and much more. We have three levels of extras cover Premier, Value and Essentials. The higher your level of cover, the more services you ll be covered for and the lower your out-of-pocket expenses will be. 6

9 Visit defencehealth.com.au Finding the right cover for you See if you can identify yourself in our guide below. Or you can read about all our covers in the pages ahead. Where you re at Young, fit and healthy singles and couples No kids, none planned any time soon Need and wants I just need basic cover I don t want to pay for services I don t need I want low cost cover I want to avoid government penalties I want well priced cover with more than the basics I want good benefits Recommended product Essentials Hospital (Pg 14) + Essentials Extras (Pg 22) Value Hospital (Pg 13) + Value Extras (Pg 20) Planning a family We want cover for pregnancy and assisted reproductive services We need cover that can protect a growing family Premier Hospital (Pg 12) + Value Extras (Pg 20) Young family on a tight budget We don t want to spend too much The health and wellbeing of our family is important but we re willing to have a few exclusions on unlikely treatments to keep premiums affordable Value Hospital (Pg 13) + Value Extras (Pg 20) Established family We need cover for a wide range of services We are looking for value for money Premier Hospital (Pg 12) + Value Extras (Pg 20) My health and the health of my family is not worth risking I want the best cover for total peace of mind Being in control of my health is vital to me My family s wellbeing is my priority Premier Hospital (Pg 12) + Premier Extras (Pg 18) Older and wiser I want to be well covered just in case We want to get the treatment we need as soon as we need it Premier Hospital (Pg 12) + Premier Extras (Pg 18) Get a quote Go to defencehealth.com.au or call us on Defence Connections 7

10 Favourite features about our health insurance Excess options that lower your premium We ll reduce your premium if you choose to pay an excess when you go to hospital. The higher your excess, the lower your premium. Reduce your out-of-pocket expenses Agreement private hospitals Be treated in one of our agreement private hospitals to significantly reduce your out-of-pocket expenses. We have agreements with over 500 hospitals around the country that ensure the majority of hospital charges are covered when you re admitted either for day procedures or overnight. For a full list of agreement hospitals, visit defencehealth.com.au. Access Gap If your Doctor agrees to participate in our Access Gap scheme you can reduce or eliminate your medical out of pocket expenses. You can find doctors who participate at defencehealth.com.au. This scheme works on the basis that Defence Health will pay your doctor more on the condition they agree to charge you a no gap or capped gap fee. No-gap fees on diagnostic services We ve negotiated no-gap agreements with a number of diagnostic service providers such as radiologists and pathologists. If you receive their services in hospital, there s no cost to you. They send their bill directly to us and we take care of it for you. Family favourites No excess for children If you have a policy that covers your family, you ll never have to pay the hospital excess for your children. Cover for older kids We ll cover kids on your policy until they re 21. And if they re single and studying fulltime, we ll cover them until they re 25. Young Adult Support Plan If your older kids are single and not studying fulltime, they can remain on your family hospital policy until they re 25 if they take out their own Value Extras cover. Health programs Members with Value Hospital or Premier Hospital have access to a number of programs and services that help you look after your health and wellbeing. Hospital substitute treatments If your doctor agrees, you could avoid the hassle and inconvenience of going to hospital for certain treatments. Depending on where you live, we can arrange for health care providers to deliver services such as wound management, intravenous therapy, and ambulatory sleep studies. Home nursing Where your doctor is able to substitute hospital admission with home nursing, we ll pay for a registered nurse to care for you in your home. Midwifery We ll pay for a registered midwife in private practice to attend the delivery of your baby. Midwifery benefits are not payable if a doctor is required to intervene in the delivery. Benefits will be payable for the doctor s in-hospital treatment instead. Chronic care Our chronic disease management programs provide telephone-based support for members who have had an eligible hospital admission relating to heart disease or type 2 diabetes. Our program coordinators work with treating practitioners to support existing treatment and aid recovery. No waiting periods for newborns We know there is a lot to think about when you re having a baby and sometimes, in all the excitement, it is easy to forget your health insurance. So as long as you contact us before your baby is 2 months old, we ll add them to your cover with no waiting periods. We even allow backdating of the policy to the day of your baby s birth so treatments within those first two months are covered. 8

11 Call us on Defence Connections 9

12 Mix and match hospital cover Choose from three levels of hospital cover that can help take the pain out of hospital visits: Premier Hospital, Value Hospital and Essentials Hospital. We ve designed each level of cover to provide protection to meet different needs. And they can be added to your choice of three extras covers for more complete protection. Finding the right hospital cover Premier Hospital If your family s wellbeing is your priority and you want total peace of mind then Premier Hospital is for you. Premier Hospital provides comprehensive cover in all agreement hospitals throughout Australia. That means treatment where and when you need it. Premier Hospital has no exclusions on any Medicareapproved treatment which means no costly surprises. You also get 100% ambulance cover for treatment provided by a state-appointed ambulance service across Australia, including emergency services, non-emergency dispatch, mobile intensive care and air and sea ambulance services. Value Hospital If you are happy to exclude some procedures that you might not need Value Hospital is for you. Value Hospital is priced for families who know the importance of health and wellbeing but are trying to keep things a little more affordable. Value Hospital provides comprehensive cover for most treatments but you don t have to pay for things you are less likely to need. Included in Value Hospital cover is ambulance treatment 100% cover for treatment provided by a state-appointed ambulance service across Australia, including emergency services, non-emergency dispatch, mobile intensive care and air and sea ambulance services. Essentials Hospital If you re only interested in covering things a young and healthy person might need, and want to avoid Government penalties for not having hospital cover, then Essentials Hospital could be for you. Essentials Hospital cover is low-cost because it only covers you for a limited number of services most commonly used by young and healthy people. And you can cancel your ambulance membership as Essentials Hospital also covers 100% of treatment provided by a state-appointed ambulance service across Australia, including emergency services, non-emergency dispatch, mobile intensive care and air and sea ambulance services. Get a quote Go to defencehealth.com.au or call us on

13 Call us on Compare our hospital cover Which services are covered? Premier Hospital Value Hospital Essentials Hospital Accidental injury Removal of tonsils Removal of adenoids Removal of appendix Surgical extraction of teeth Hernia repairs Joint investigations and minor repairs Joint reconstructions Colonoscopy Gastroscopy Rehabilitation Palliative care Psychiatric treatment Cancer treatment Stroke treatment Brain surgery Pregnancy and pregnancy related services Heart related procedures Assisted reproductive services and infertility treatments Cataracts, Glaucoma and laser eye surgery Dialysis for renal failure Obesity related treatment (eg. gastric banding) Joint replacements All other services recognised by Medicare Treatment not recognised by Medicare incl. most cosmetic surgery Chronic care programs Hospital substitute programs Midwifery (confinement and delivery) $1,500 $750 Home nursing Maximum Per day $1,800 $90 $750 $70 Included Excluded Restricted You will be covered as a private patient in a public hospital shared room. If you are treated anywhere else you will be significantly out-of-pocket. Defence Connections 11

14 Premier Hospital Premier hospital is designed to give you peace of mind and no worries. Comprehensive hospital cover gives you our best protection. It covers everything Medicare does, including pregnancy and assisted reproductive services. So if you and your family s wellbeing is a priority then Premier Hospital is for you. Favourite features Comprehensive ambulance cover Comprehensive hospital cover No excess for kids Your kids stay covered to age 21. And if they re single and studying fulltime to age 25 No exclusions on any Medicare-approved treatment Get hospital treatment in your home for treatments such as wound management, and intravenous therapy Comprehensive ambulance cover 100% cover for treatment by state-appointed ambulance services across Australia. This includes emergency services, non-emergency dispatch, mobile intensive care, air and sea ambulance transport. And there s no limit or cap on your cover. Your hospital cover Excess options You can reduce your premium by electing to pay an excess if you go to hospital. Your excess options are $0, $200 or $400 per adult. The excess applies once per adult per financial year on all same day and overnight admissions. Your hospital cover gives you Choice of doctor and hospital No exclusions on any Medicare-approved treatment 100% of agreement hospital charges (subject to your excess), including: Shared or private room Theatre fees, including labour ward Intensive care, critical care and high dependency unit Most drugs supplied in hospital 100% of public hospital charges (subject to your excess) Up to 100% of doctors fees if your doctor chooses to use Access Gap Up to 100% for prostheses on the Australian Government Prostheses List Health programs which include up to $1500 for midwife delivery services, and up to $90 per day for home nursing ($1800 max) Treatment in a non-agreement private hospital will incur significant out-of-pocket expenses. What s covered Joint reconstructions and replacements Colonoscopies and arthroscopies Heart and artery related services Pregnancy related services Assisted reproductive services (e.g. IVF and GIFT) Joint replacements Psychiatric and rehabilitation services And all other Medicare-approved treatments What s restricted No hospital services are restricted What s excluded Services where Medicare pays no benefit (e.g. most cosmetic surgery) When you join Defence Health or upgrade your existing cover, you may have a waiting period before you can claim benefits. Most waiting periods are 2 months but some, such as pre-existing conditions, are 12 months or more. To see all waiting periods and get more information about making the most of your hospital and medical cover and what your hospital cover will not pay for go to Pg 24. Get a quote Go to defencehealth.com.au or call us on

15 Visit defencehealth.com.au Value Hospital Value Hospital is designed for families who know the importance of health and wellbeing but are trying to keep things a little more affordable. If you are happy to exclude some procedures you might not need then Value Hospital is for you. Favourite features Comprehensive ambulance cover Hospital cover for a broad range of services with some exclusions No excess for kids Your kids stay covered to age 21. And if they re single and studying fulltime to age 25 Excludes selected hospital services to help keep the cost down Get hospital treatment in your home for treatments such as wound management, and intravenous therapy Comprehensive ambulance cover 100% cover for treatment by state-appointed ambulance services across Australia. This includes emergency services, non-emergency dispatch, mobile intensive care, air and sea ambulance transport. And there s no limit or cap on your cover. Your hospital cover Excess choices You can choose from a $200 or a $400 excess per adult on your premium if you go to hospital. The excess applies once per adult per financial year on all same day and overnight admissions. Your hospital cover gives you For the services listed under What s covered you get: Choice of doctor and hospital 100% of agreement hospital charges (subject to your excess), including: Shared or private room Theatre fees, including labour ward Intensive care, critical care and high dependency unit Most drugs supplied in hospital 100% of public hospital charges (subject to your excess) Up to 100% of doctors fees if your doctor chooses to use Access Gap Up to 100% for prostheses on the Australian Government Prostheses List for services covered Health programs which include up to $750 for midwife delivery services, and up to $70 per day for home nursing ($750 max) Treatment in a non-agreement private hospital will incur significant out-of-pocket expenses What s covered Joint investigations (arthroscopies), minor joint repairs and reconstructions Colonoscopies Gastroscopies Heart and artery related services Pregnancy related services Cancer treatments And all other Medicare-approved treatments that are not listed below What s restricted Psychiatric services You will be covered as a private patient in a public hospital shared room. If you are treated anywhere else you will be significantly out-of-pocket. What s excluded Assisted reproductive services (e.g. IVF and GIFT) Renal dialysis Obesity related treatment (eg. gastric banding) Joint replacements and revisions Cataracts, glaucoma and laser eye surgery Services where Medicare pays no benefit (e.g. most cosmetic surgery) When you join Defence Health or upgrade your existing cover, you may have a waiting period before you can claim benefits. Most waiting periods are 2 months but some, such as pre-existing conditions, are 12 months or more. To see all waiting periods and get more information about making the most of your hospital and medical cover and what your hospital cover will not pay for go to Pg 24. Defence Connections 13

16 Essentials Hospital Essentials Hospital is basic hospital cover for young, healthy singles and couples. It covers a limited range of hospital treatments and helps you avoid Government penalties. Favourite features Comprehensive ambulance cover Cover for a limited range of hospital services that a young and healthy person is most likely to need Choice of doctor and hospital for treatment of the ten procedures covered. Exempts you from Government penalties such as the Medicare Levy Surcharge and Lifetime Health Cover loadings Great choice for your first health cover or if you re not planning on kids any time soon Comprehensive ambulance cover 100% cover for treatment by state-appointed ambulance services across Australia. This includes emergency services, non-emergency dispatch, mobile intensive care, air and sea ambulance transport. And there s no limit or cap on your cover. Your hospital cover $200 excess per person The excess applies once per adult per financial year on all same day and overnight procedures. Your hospital cover gives you For the limited range of services listed under What s covered you get: Choice of doctor and hospital 100% of agreement hospital charges (subject to your excess), including: Shared or private room Theatre fees Intensive care, critical care and high dependency unit Most drugs supplied in hospital 100% of public hospital charges (subject to your excess) Up to 100% of doctors fees if your doctor chooses to use Access Gap Up to 100% for prostheses on the Australian Government Prostheses List for services covered Hospital in the Home program for services like wound management and intravenous therapy, through selected hospitals Treatment in a non-agreement private hospital will incur significant out-of-pocket expenses. What s covered Accidental injuries Removal of tonsils Removal of adenoids Removal of appendix Surgical tooth extraction Hernia repairs Joint investigations (arthroscopies) and, minor joint repairs Joint reconstructions Colonoscopies Gastroscopies What s restricted Psychiatric services Rehabilitation services Palliative care You will be covered as a private patient in a public hospital shared room. If you are treated anywhere else you will be significantly out-of-pocket. What s excluded All other hospital treatments When you join Defence Health or upgrade your existing cover, you may have a waiting period before you can claim benefits. Most waiting periods are 2 months but some, such as pre-existing conditions, are 12 months or more. To see all waiting periods and get more information about making the most of your hospital and medical cover and what your hospital cover will not pay for go to Pg

17 Visit defencehealth.com.au Defence Connections 15

18 Mix and match extras cover Three levels of extras cover to make looking after your health and wellbeing more affordable: Premier Extras, Value Extras and Essentials Extras. Each can lower or even remove your costs when you visit health and wellbeing providers like the dentist, chiropractor, physiotherapist and a range of alternative therapists. You re free to choose who treats you, and if you visit one of our many optical partners, you ll receive even greater benefits. And they can be added to your choice of three hospital covers for more complete protection. Plus, all our extras include 100% cover for state-appointed ambulance services. Premier Extras Our Premier Extras cover gives you comprehensive cover on a wide range of services with our highest individual annual limits. If you have frequent or planned treatment, especially for complex dental services, then Premier Extras will give you the most money back. Plus there s no annual limit on general dental and no lifetime limit on orthodontic treatment. Premier Extras gives you 100% back on all initial consultations. You also get 100% back on glasses (up to $300 per person) at our optical partners or it covers laser eye surgery to help you become glasses free. Essentials Extras Don t want to pay for services you don t need? If you re only looking for basic cover at a low cost price, then Essentials Extras is for you. Essentials Extras is ideal for young and healthy people who just want cover for the basics including general dental, preventative dental, surgical extractions, physiotherapy, chiropractic/osteopathic, alternative therapies and travel vaccinations. And you ll get 100% back on glasses (up to $170 per person) at our optical partners. To help you decide which cover is best for you, take a closer look at what each level offers. Remember, the higher your level of cover, the more services you ll be covered for and the greater your benefits can be. Get a quote Go to defencehealth.com.au or call us on Value Extras If you want to be covered for a wide range of services at a more affordable price, then Value Extras is for you. Value Extras is great value for money and perfect for those that want cover for more than just the basics. You ll get 100% back on glasses (up to $255 per person) at our optical partners. There s no annual limit on general dental and no lifetime limit on orthodontic treatment. Our Optical Network We ve joined forces with Specsavers and VSP Vision Care to deliver better optical cover for our members. Our optical network is available to all our members with extras cover and provides better optical benefits and an extensive range of no-gap glasses. VSP Vision Care is a network of 500 independent optometrists. VSP Vision Care providers are conveniently located close to where you live or work. Specsavers is already a household name with more than 280 optical stores around Australia. You can still get benefits back at any optical store you choose. But if you do use the optical network you will receive better value optical benefits, coupled with a wide selection of stylish, fashionable frames. Visit specsavers.com.au or vsp-australia.com.au to find your nearest optical network provider. 16

19 Visit defencehealth.com.au Compare our extras cover Service Premier Extras Value Extras Essentials Extras per person limit per person limit per person limit Ambulance treatment Unlimited Unlimited Unlimited Preventative dental Unlimited Unlimited General dental Unlimited Unlimited Major dental $1100 $850 $500 Preventative dental, general dental and surgical extractions only Orthodontics $1000 $800 Optical $300 $255 $170 Physiotherapy (including hydrotherapy) $800 $550 Chiropractic/Osteopathy $550 $450 $350 Antenatal and postnatal services $500 $200 Pharmacy and vaccinations $600 $500 Travel vaccinations $100 Alternative therapies Exercise physiology $400 $300 $200 Psychology $500 $400 Podiatry/chiropody $400 $300 Occupational therapy $600 $500 Speech therapy $600 $500 Eye therapy $600 $500 Dietician $350 $250 Audiology $350 $200 Medically prescribed devices, aids and supports $1500 $1000 School accidents $800 $600 Laser refractive eye surgery (claimable once every 2 years) $1500 Not covered Defence Connections 17

20 Premier extras cover Premier Extras provides comprehensive cover for a wide range of services with our highest individual annual limits. Favourite features No annual limit on general dental treatment, up to $1000 back on orthodontics and no lifetime limit, and up to $1100 back on major dental per person 100% up to $300 per person at our optical partners 100% back on initial consultations Generous benefits for a wide range of alternative therapies Cover for laser refractive eye surgery with up to $1500 back per person every 2 financial years Up to $1500 back per person per year on health appliances such as hearing aids, blood glucose monitors and CPAP machines 100% cover for state-appointed ambulance services Dental Some dental items are limited in the number of times they can be claimed in a year. Some items are not payable in combination with others. And some may not attract a benefit at all. General dental Annual limit Unlimited Periodic oral exam (012) Up to $48 Removal of calculus (114) Up to $85 Bitewing x-ray (022) Up to $35 Adhesive filling to one surface Up to $100 of a rear tooth (531) Mouthguard (151) Up to $105 Major dental Annual limit $1100 per person Surgical tooth removal (323) Up to $200 Root canal obturation (417) Up to $150 Veneer indirect (583) Up to $650 Full crown veneer indirect (615) Up to $1000 Endosseous implant (688) Up to $1100 Course of non-surgical periodontal Up to $600 treatment (281) Orthodontics Complete course of orthodontic treatment (881) Annual limit $1000 per person Up to $1000 Unlike other funds there is no lifetime limit. You get $1000 every financial year until your treatment is complete. Passive removable appliance (811) Up to $175 Ambulance Treatment Annual limit Unlimited 100% cover for treatment provided by a state-appointed ambulance service in Australia including emergency services, non-emergency dispatch, mobile intensive care, air and sea ambulance services. Optical Annual limit $300 per person Optical network partners 100% Our optical network providers have extensive ranges of no-gap glasses. Visit specsavers.com.au or vsp-australia.com.au for locations. Specsavers VSP Vision Care Single vision glasses 2 pairs no-gap 1 pair no-gap Bi/Multifocal glasses 1 pair no-gap 1 pair no-gap Frames Discounted Discounted Contacts (in store) 10% off 15% off Non-preferred providers Single vision lenses Up to $100 Ground single vision lenses Up to $105 Bifocal lenses Up to $115 Multifocal lenses Up to $175 Frames Up to $125 Contact lenses Up to $200 A sight-correcting script must accompany the claim. Physiotherapy (including hydrotherapy) Annual limit $800 per person Initial consultation 100% Subsequent consultation Up to $50 Group therapy sessions and classes Up to $20 Chiropractic/Osteopathy Annual limit $550 per person up to $1100 per policy Initial consultation 100% Subsequent consultation Up to $42 Chiropractic xrays (max 2) Up to $60 Alternative therapies & exercise physiology Annual limit $400 per person up to $800 per policy Per consultation Up to $38 Where the provider is recognised by the Australian Regional Health Group the following alternative therapies are payable: acupuncture, homeopathy, aromatherapy, myotherapy, naturopathy, remedial massage, remedial therapy, Chinese herbal medicine and western herbal medicine. No benefit payable for any prescribed medications, herbal or dietary preparations. Antenatal & postnatal services Annual limit $500 per person Antenatal course Up to $500 Antenatal consultations/classes Up to $50 Postnatal consultations/classes Up to $50 By a midwife or physiotherapist in private practice only. Treatment that has been claimed through Medicare cannot be covered.

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