hospital cover with/without excess TUH it s my health fund!

Transcription

1 Effective 2 April 2014 Your Queensland health fund hospital cover with/without excess We are not just numbers in TUH, but individuals who have been listened to and treated with compassion TUH it s my health fund! Gold Coast PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE Finer Points BROCHURE.

2 Whether you re starting out, raising a family or just want the security of superior hospital cover, we have a hospital cover for you! You can choose from three levels of hospital cover with different excess options to suit your budget. You can even purchase your cover alone or combine it with one of our general treatment covers. Hospital cover includes Private room (when available) or shared overnight accommodation Your choice of doctor or specialist Operating theatre fees Intensive care Coronary care Cardiac and cardiac related services Palliative care Hospital medication charges as per hospital contract Pharmaceuticals Benefits Scheme co-payment where a hospital medication is related to your hospital treatment Surgically implanted prostheses industry approved Home Care Programs* Medical Gap Cover Access Gap Jodie Henry Swimmer and triple Olympic Gold Medallist Excess The excess is paid only once per adult on the policy in any calendar year, regardless of how many times you are admitted into hospital or a day facility. The hospital excess is not payable for dependent children, including full-time students. Waiting periods 12 months Obstetric related conditions Pre-existing conditions Plastic/reconstructive surgery (only if medically necessary) 6 months Disease Management Programs 2 months All other hospital (unless specified otherwise) Palliative Care Psychiatric Rehabilitation Home Care Programs* Immediate cover Accidents *Please refer to the "Finer Points" brochure. 2

3 Total Care Hospital With no restrictions or exclusions, TUH s Total Care Hospital gives you premium hospital cover in the event of a pregnancy, planned procedure, or for an accident. TUH offers you a choice of having Total Care Hospital with an excess. This excess is paid at the time of the provision of services in return for a reduced premium. All benefits are equivalent to those under our Total Care Hospital (HP) level of cover minus the excess. The excess applies to all hospital services including same day accommodation (excluding prostheses). We offer three levels: Excess Single/Single parent Family Table HP Nil Nil Table HX $300 $600 Table HE $500 $1000 Total Care Hospital without Australian Government Rebate on Private Health Insurance deducted HP Single no S/parent excess Family HX 300 Single HX 600 S/parent HX 600 Family HE 500 Single HE 1000 S/parent HE 1000 Family Total Care Hospital with maximum Australian Government Rebate on Private Health Insurance available for people under 65* HP Single no S/parent excess Family HX 300 Single HX 600 S/parent HX 600 Family HE 500 Single HE 1000 S/parent HE 1000 Family *depending on your individual circumstances different rebates may apply. 3

4 Budget Hospital (Table BX) Budget Hospital can cover you for private hospital care at an affordable price. For the healthy who are not planning a family yet, this cover has exclusions on services such as pregnancy and hip/knee replacements which are generally not relevant until later in life. Restricted and excluded services Restrictions Exclusions Plastic and reconstructive surgery Podiatric surgery Psychiatric services Rehabilitation Gastric banding, obesity surgery Labour ward Sterility reversals Infertility investigations, assisted reproductive services Pregnancy and pregnancy related services Hip, knee and joint replacements Eye surgery e.g. cataracts Dialysis Restrictions For the services listed as restrictions we will pay the default benefit for accommodation as determined by the Government. Exclusions For services listed as exclusions no benefit is payable. Budget Hospital is only available with an excess. This excess is paid at the time of the provision of services in return for a reduced premium. The excess applies to all hospital services including same day accommodation (excluding prostheses). Excess Single/Single parent Family Table BX $250 $500 Budget Hospital without Australian Government Rebate on Private Health Insurance deducted BX 250 Single BX 500 S/parent BX 500 Family Budget Hospital with maximum Australian Government Rebate on Private Health Insurance available for people under 65* BX 250 Single BX 500 S/parent BX 500 Family *depending on your individual circumstances different rebates may apply. 5

5 website: phone: St Pauls Terrace Fortitude Valley Queensland 4006 PO Box 265 Fortitude Valley Queensland 4006 ABN options debit Paying by direct debit from your bank or financial institution will save you 2.5%, while paying with your credit card will save you 1.5%. s can be made fortnightly*, monthly, quarterly, half yearly and yearly directly from your bank/financial institution or credit card account. by account Accounts are sent out monthly, quarterly, half yearly or yearly. options include: - BPAY - Member Services Online (credit card only) - In person (at our Health Care Centre) - By telephone - By mail The premiums are applicable for members who have a certified age of entry (CAE) of 30 or less, or for anyone born on or before 1 July A signed rebate application form must be submitted to receive a reduced premium. This is included with your new member pack. *Not available for credit card deductions. For more information on all our products, government initiatives and TUH membership rules visit