nib OSHC Premium Need help? Call us on Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth
|
|
- Daniela Garrison
- 4 years ago
- Views:
Transcription
1 Need help? Call us on Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth nib health funds limited abn Head Office 22 Honeysuckle Drive Newcastle NSW 2300 Why you need Overseas Student Health Cover and great reasons to be with nib nib343001_0315
2 Welcome to nib We hope you have an exciting and enjoyable time in Australia. Taking care of your health is essential for a happy and successful visit to a new country. At nib, we believe that health cover should be easy to use, easy to understand and most of all good value. Why over 1 million customers trust nib in Australia and New Zealand Over 60 years experience in providing health cover Dedicated Customer Service Team Easy mobile claiming 24 hour Online Services Contents Overseas Student Health Cover (OSHC) Meets the DIBP visa requirements Provides cover for medical and hospital treatment if you get sick or have an accident while you are working in Australia Covers you Australia wide for emergency ambulance transport Who can be covered under Singles cover for only you. 01 As you are aware international students who wish to study in Australia are required as part of their visa application through the Department of Immigration and Border Protection (DIBP) to show proof they have purchased relevant health insurance. Couples covers both you and your partner if they live with you in Australia and are listed on your visa. Families covers you, your partner and any dependent children aged under 18 living with you in Australia and listed on your visa. Overseas Student Health Cover (OSHC) 3 4 nib Online Services 8 Seeking medical treatment 9 The information contained in this product information brochure is current as at 1 January This brochure is a summary of the key features of the Policy Terms and Conditions and should be read in conjunction with the OSHC Fund Rules, which are available at nib.com.au/kuwaitihealth or by calling Please read this brochure and keep a copy for your records. Rules and benefits may change from time to time. nib OSHC Premium provides peace of mind in knowing that you are covered for those unexpected health needs 2 3
3 02 As a valued Kuwaiti student your Cultural Office has chosen a more comprehensive health insurance cover for you. will help you pay for medical and hospital treatment and extra services (such as dental, optical, physiotherapy, etc) you may need should you get sick or have an accident while you are in Australia. The following is an explanation of your Cover. Medical services covered in-hospital Public hospital 100% of the cost of service for public hospital includes: shared ward accommodation theatre fees and same-day services accident and emergency services Private hospital 100% of the cost of service for private hospital includes: private or shared room accommodation theatre fees and same-day services accident and emergency services where applicable 100% of the cost for medical treatment provided in a hospital includes: Doctors Specialist Pathology Diagnostic Imaging You are covered for a wide range of services with nib OSHC Premium for services in-hospital, out-of-hospital and Extras cover. Medical services covered out-of-hospital MRIs MRI scans are only payable by nib if all three (3) of the following criteria are met: The MRI must be referred by a registered specialist medical practitioner and The MRI must be listed on the Medicare Benefits Schedule (MBS) and have an eligible Medicare Item Number and The MRI must be performed on a Medicare Eligible MRI Unit by a Medicare eligible provider Specialist services 100% of the cost of specialist services and treatment to support day-to-day health needs, usually as requested by a doctor, such as: Pathology Diagnostic Imaging Emergency ambulance 100% of medically necessary transport provided by a State and Territory Ambulance Service Doctor visits 100% of the cost of service for consultations with a doctor for day-to-day health needs Prostheses 100% of the benefit covered for approved surgically implanted prosthetic devices as determined by the Federal Government Exclusions Waiting periods Waiting periods do not apply to Kuwaiti students who hold. Exclusions are services not covered under your health cover. You will not receive a benefit for the services listed below. Services not covered by Medicare and therefore not attracting MBS item numbers such as non-government approved MRI scans, cosmetic surgery, laser eye surgery and experimental surgery Treatment outside of Australia or arranged before arriving in Australia Transportation into or out of Australia Services and treatments that are covered by compensation or damages of any kind (like workers compensation or third party insurance) This product information is intended as a summary only and should be read in conjunction with the nib OSHC Fund Rules. This product information is intended as a summary only and should be read in conjunction with the nib OSHC Fund Rules. 4 5
4 Extras Cover Extras cover is for services provided outside of hospital that you can use to stay healthy during your time in Australia. Like a visit to the dentist or a new pair of glasses. Extras Cover (additional services covered) Annual Limit (maximum amount claimable per person in a calendar year) General dental $5,000 Major dental Orthodontia (Orthodontia Lifetime Limit $3,500) Please contact nib prior to commencing any orthodontia treatment Combined annual limit $5,000 Optical (service limits apply) $500 Benefits are limited to 1 complete set of prescription glasses & 12 months supply of contact lenses Physiotherapy Chiropractic Osteopathy Hearing aids Artificial aids (service limits apply) Pharmaceuticals (PBS, non-pbs, listed on the ARTG & Mims published) Limited to 2 appliances every 5 years Other therapies Includes speech therapy, podiatry, occupational therapy, eye therapy (orthoptic), dietary, psychology, home nursing, antenatal and postnatal services. nib makes it easy to claim. Download the nib App today. Available for iphone, ipad and Android. 6 7
5 nib Online Services 03 Seeking medical treatment 04 nib Online Services Our Online Services makes it easy for you to manage and access your health cover at anytime and anywhere. To register for nib Online Services visit nib.com.au Update your contact details, e.g. your Australian address and bank account details View your health cover and what you are covered for Submit a claim View your claims history Order a replacement customer card When to see a doctor or specialist If it is not an emergency and you are feeling unwell visit your local doctor. In Australia a doctor is called a GP (or General Practitioner ). A GP can prescribe treatments or medicines. A GP may refer you to a specialist for further investigations or treatment. What if it is a medical emergency In the event that you have a medical emergency for example a life threatening illness or a serious injury that needs immediate attention, then you should go to the nearest hospital emergency department. If your condition is serious and you cannot get yourself to a hospital, call 000 for an ambulance. Claim in a snap with the nib App. Available for iphone, ipad and Android Download the free nib App today Upload a photo of your official provider receipt Benefit is paid directly into your bank account Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. iphone is a trademark of Apple Inc. Healthdirect Australia Provides access to health information and advice over the phone. To talk to a registered nurse call Healthdirect Australia on or visit healthdirect.gov.au for health information. Available 24 hours a day, 7 days a week. Healthdirect Australia does not provide a health diagnosis and does not replace the services of a doctor or hospital emergency department. 8 9
OSHC. 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
OSHC. 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
www.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
30 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
01 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
Overseas 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
Extras 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
CORPORATE 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
OVERSEAS 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
Health 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
Customer 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
MEDICARE & CONNECTIVITY TO AUSTRALIA
MEDICARE & CONNECTIVITY TO AUSTRALIA Medicare is the publicly funded Australian health system and is subsidised by a 1.5% Medicare levy, payable by all taxpayers, integrated in the pay-as-you-go payroll
TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT
TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT Sections 1,2, 3, 7 and 8 only Contents: Section 1 Section 2 Section 3 Section 7 Section 8 In-Hospital (In-Patient) Expenses for Sickness and Injury, including
Cover Comparison. Effective 1 April 2015
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
OVERSEAS 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
CORPORATE 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.
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,
ADVANTAGE 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,
Table 190 - SCHEDULE OF COVER and POLICY DOCUMENT
Table 190 - SCHEDULE OF COVER and POLICY DOCUMENT Sections 1,3, 7 and 8 only Contents: Section 1 Section 3 Section 7 Section 8 In-Hospital (In-Patient) Expenses for Sickness and Injury, including rehabilitation
straightforward 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
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 ensure you enjoy your time in Australia.
Working 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
Comprehensive Extras Cover
Effective?? 1 April????????? 2015 2015 Comprehensive Extras Cover PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. WAITING PERIODS The extras
ANZ 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
Private 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
Medibank 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
Extras 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:
Choosing 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
Overview 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
Overseas 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
friends 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
CORPORATE 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.
Not-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
Membership Guide simply better benefits
April 2015 Membership Guide simply better benefits A Contents About the Reserve Bank Health Society 1 Why join the RBHS? 2 Private health insurance coverage 3 New to private health insurance? 4 Benefits
OVERSEAS STUDENT HEALTH COVER WHAT YOU NEED WHILE YOU STUDY
OVERSEAS STUDENT HEALTH COVER WHAT YOU NEED WHILE YOU STUDY A WELCOME TO AUSTRALIA While you re in Australia for study the last thing you want to worry about is what happens if you get sick or have an
Overseas Visitors Health Cover. Policy document and members guide
Overseas Visitors Health Cover Policy document and members guide Policy document and members guide effective 9 December 2014 Contents The one thing that matters the most is knowing your health care won't
SHORT 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
Contents. Contents. BEFORE YOU GO TO HOSPITAL 5 Understanding Out-of-Pocket Expenses 5
Going to hospital? Heading to hospital needn t be a daunting experience if you ve got your ducks in a row. This pack will help you make the most of your stay and your health insurance. The more you know,
active 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
Medibank 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
Ultimate 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
Medibank OSHC Essentials. Policy guide. Effective 1 April 2014. This guide only applies to Medibank OSHC Essentials Policy.
Policy guide Medibank OSHC Essentials Effective 1 April 2014 This guide only applies to Medibank OSHC Essentials Policy. Contents Your guide to membership 3 Why you need health cover in Australia 4 What
YOUR HEALTH POLICY Effective 1 December 2013
YOUR HEALTH POLICY Effective 1 December 2013 CONTENTS Why you need health cover in Australia... 4 What you need to know... 6 What you re covered for... 10 What you re not covered for... 14 Waiting periods...
Ultimate 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
Services. 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
YOUR HEALTH POLICY Effective March 2014
YOUR HEALTH POLICY Effective March 2014 CONTENTS Why you need health cover in Australia... 4 What you need to know... 6 What you re covered for... 10 What you re not covered for... 14 Waiting periods...
corporate health cover
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.
Overseas Visitors Health Cover. Policy document and members guide
Overseas Visitors Health Cover Policy document and members guide Policy document and members guide effective 7 August 2015 Contents The one thing that matters the most is knowing your health care won't
Overseas Visitors Health Cover. Policy document and members guide
Overseas Visitors Health Cover Policy document and members guide Policy document and members guide effective 2 September 2013 Contents The one thing that matters the most is knowing your health care won't
CORPORATE 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.
HEALTH COVER HOSPITAL AND EXTRAS
HEALTH COVER HOSPITAL AND EXTRAS APRIL 2013 Latrobe Health Services proudly supports and complies with the Private Health Insurance Code of Conduct 1300 362 144 member service centre 8:30am - 5:30pm weekdays
Fund Rules. Overseas Visitors Health Cover. Effective 8 September 2015. nib health funds limited ABN 83 000 124 381
Fund Rules Overseas Visitors Health Cover. Effective 8 September 2015. nib health funds limited ABN 83 000 124 381 Table of Contents LV1 Table Name or Group of Table Names 1 LV2 General Conditions 1 LV3
Overseas Student Health Cover
Overseas Student Health Cover Standard Policy document and members guide Standard policy document and members guide effective 6 December 2012 Contents 2 Allianz Global Assistance welcomes you to Australia!
GOING 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
Gold Hospital Cover (as at April 2015)
April 2015 Gold Hospital Cover (as at April 2015) Contracted Hospitals When a hospital agreement is in place the RBHS will rebate the agreed amount to the hospital from the date the agreement commences.
Overseas Student Health Cover
Overseas Student Health Cover Essentials Policy document and members guide Essentials policy document and members guide effective 6 December 2012 Contents 2 Allianz Global Assistance welcomes you to Australia!
Membership 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
OPTION ONE DRUG 1 & DENTAL 1
OPTION ONE DRUG & DENTAL An ideal plan for occasional prescriptions dental visits Highlights of Option One: Basic prescription drug coverage (70%) Basic dental coverage (70%) No medical questionnaire is
Your hospital stay. Everything you need to know
Your hospital stay Everything you need to know How to plan your hospital stay Simple steps to help you get the most from your HBF hospital cover. 1 Understand your cover in advance 2 Visit your GP for
HOSPITAL TREATMENT OVERVIEW
Hospital overseas Policy summary HOSPITAL TREATMENT 1 OVERVIEW Effective 1st May 2015 From 14th September 2009, under Visa Condition 8501, all new Subclass 457 Visa holders are responsible for all health
CORPORATE 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.
Medicare provides benefits for a range of out-of-hospital and in-hospital services.
What is? is a program run by Australia that makes sure all Australians have access to free or low-cost medical, optometrical and hospital care, while also being free to choose private health services.
Overseas Student Health Cover
Overseas Student Health Cover Essentials Policy document and members guide Essentials policy document and members guide effective 7 August 2015 Contents 2 Allianz Global Assistance welcomes you to Australia!
Our Product Disclosure Statement (PDS)
Our Product Disclosure Statement (PDS) Your HIF hospital and ancillary health cover in detail. The smart choice for health cover. Visit hif.com.au or call 1300 13 40 60 to get a quote and join (or switch)
Public 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
Know your rights and responsibilities as a private patient in hospital. Private Patients Hospital Charter
Know your rights and responsibilities as a private patient in hospital Private Patients Hospital Charter Commonwealth of Australia 2004 ISBN 0 642 82235 2 This work is copyright. Apart from any use as
Key Features Guide. What you should know before purchasing private health insurance
Key Features Guide What you should know before purchasing private health insurance Table of Contents USING THIS GUIDE.......................................................... 2 KEY FEATURES OF HEALTH
Overseas Student Health Cover
Overseas Student Health Cover Essentials Policy document and members guide Overseas Student Health Cover Essentials Amendment to the policy document and members guide Effective date: 31 January 2015 About
GOING 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
OPERATIONAL 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
Using the Repatriation Health Card For All Conditions (Gold)
Health Entitlement DVA Factsheet HSV60 Using the Repatriation Health Card For All Conditions (Gold) Overview This Factsheet describes the health care you can access and payments you may receive with your
Active 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
Our Product Disclosure Statement (PDS)
Our Product Disclosure Statement (PDS) Your HIF Hospital and Extras health cover in detail. Visit online to get a quote and join (or switch). Call 1300 13 40 60 hif.com.au Australia s first certified Carbon
Product Guide. Top Extras
Product Guide Top Extras Extras cover helps fund your every-day health care needs that are not covered by Medicare. This includes important services such as dental, optical, physiotherapy, speech therapy,
Corporate. Choosing your. it s worth it. health cover for the real world
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
Table of Benefits Individual Policies
International Healthcare Plans Valid from 1 st November 2012 Table of Benefits Individual Policies Treatment Guarantee is required for all benefits indicated with a 1 or 2 in the following tables and may
Health 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
VISITORS 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
Prime Health Package. Premium cover to help keep you in prime health
Prime Health Package Premium cover to help keep you in prime health Contents 4 Everything you need to know about your Essentials cover 4 Dental 4 Clinical psychology 6 Optical 6 Pharmacy 6 Podiatry surgery
Hospital 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
Health fund arrangements to cover the gap
Australia s health system offers a comprehensive range of public and privately funded health services. You can choose whether to have Medicare cover only or a combination of Medicare and private health
nib global health International health cover you can rely on
nib global health International health cover you can rely on Email contactus@nibglobalhealth.co.nz or call 0800 642 456 8am to 5.30pm (NZST) Monday to Friday Contents Great value international health insurance
ANZ 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
Member 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
ANZ 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
Make sure you have health cover for your family. Allianz Global Assistance OSHC offers three types of policies:
Overseas Student Health Cover Pregnancy Fact Sheet This fact sheet aims to help you understand the Australian healthcare system when having a baby. During your pregnancy Make sure you have health cover
ANZ 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
Health insurance 1 January 2013
Health insurance 1 January 2013 Contents About CUA Health 3 Why you need CUA Health insurance 4 Australian Government Rebate on private 5-6 health insurance, Medicare Levy Surcharge Save by acting early
Health. Overseas Visitors Cover. Health insurance for visitors to Australia. Products and Services. Effective 1 December 2008
Health Products and Services Health Cover Healthcare Centres Home and Contents Insurance Travel Insurance Car Insurance Retirement Incomes Financial Planning Superannuation Home Loans Managed Funds and
ADF Total Package. Your hospital cover. Favourite features. What s covered. What s restricted. What s excluded. Comprehensive ambulance cover
ADF Total Package Product Guide Effective from 1 September 2014 The ADF Total Package has been specially designed with permanent ADF and active Reservist families in mind. It gives you our best protection
Policy Booklet. Important information about nib s health covers
Policy Booklet Important information about nib s health covers General terms and conditions Hospital cover Extras cover Ambulance cover Government initiatives nib policies Read with your product information.
ANZ 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
Medibank 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
Make sure you have health cover for your family. Allianz Global Assistance OSHC offers three types of policies:
Overseas Student Health Cover Pregnancy Fact Sheet This fact sheet aims to help you understand the Australian healthcare system when having a baby. During your pregnancy Make sure you have health cover
Member 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
VISITORS 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,
COVER FOR OVERSEAS VISITORS WORKING VISAS
CVER FR VERSEAS VISITRS WRKING VISAS Effective 1 April 2011 WELCME T AUSTRALIA If you re visiting Australia to work, the last thing you want to worry about is what happens if you get sick or have an accident.
MEMBERSHIP 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
Providing health insurance to the medical community since 1977
Providing health insurance to the medical community since 1977 Effective date: 1 April 2012 to 30 June 2012 contents Welcome to The Doctors Health Fund 1 Things you need to know 2 Who can be a member of
An easy guide to buying private health insurance.
An easy guide to buying private health insurance. Getting private health insurance for tax a very simple check list 1 To save on tax you need appropriate hospital cover Most hospital covers will qualify