Save on your health cover with Deakin University

Transcription

1 Save on your health cover with Deakin University Welcome to the Deakin University Health Plan a special health insurance arrangement introduced by Deakin University in conjunction with Health Link Consultants and leading health insurer, HCF. The Deakin University Health Plan offers staff quality health cover at greatly reduced premiums.

2 How do I save with the Deakin University Health Plan? Health insurance is like car insurance. When you choose a policy with a large excess, you save with large premium discounts. Of course, the downside is that you need to pay the large excess if you make a claim. That s where the Deakin University Health Plan is different... Through this special workplace amenity, your excess will be refunded to you if you or an eligible family member goes to hospital. So you save by taking a health cover with a larger excess (and lower premiums) but still enjoy the peace of mind and financial protection of a nil excess policy. The Plan offers a range of hospital and extras packages so you re sure to find an option to suit your needs and budget. We ve included a summary of the key features in this brochure. Full details, including benefits and premiums are available by calling the Plan s consultants, Health Link on or by visiting:

3 How much can I save with the Deakin University Health Plan? The savings available to you through the Deakin University Health Plan are significant around 30% in some cases. For example, instead of paying up to $260 per month for a family no excess top level hospital cover with some health funds, you pay around $180 per month for an excess policy. That s a saving of nearly $1000 per year. And you enjoy nil excess cover because the Health Plan will refund the excess to you if you go to hospital. Join Now, Claim Now Take out hospital and extras cover and the usual 2 & 6 month waiting periods will be waived on over 20 health benefits. So you can have immediate access to the benefit for: Dental check-ups Spectacle lenses Hydrotherapy Dental X-rays Contact lenses Hospital accommodation Dental scale and clean Disposable contact lenses Ambulance* Dental fluoride application Physiotherapy Same day hospital cover Dental fillings Chiropractic Operating theatre fees Spectacle frames Osteopathy Pharmacy Acupuncture Remedial massage Occupational Therapy Speech Pathology * QLD and TAS residents are covered under their state ambulance scheme. NOTE: Offer only available to new members taking out Hospital and Extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for obstetric services, or pre-existing ailments and conditions. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this waiver offer.

4 Key features of the Deakin University Health Plan Save money You save because you join a hospital cover with an excess and enjoy greatly reduced premiums. And if you re hospitalised, the Health Plan will refund your excess. Peace of mind Choice Convenience My Health Guardian Immediate cover Extended health cover options Enjoy the security and peace of mind knowing you are covered by Australia s largest not-for-profit health fund, HCF. You can choose from a range of hospital and extras options to meet your particular needs or ask Health Link Consultants for a free personal recommendation. Premium payments are easy too with payroll deductions Join hospital and extras cover and enjoy free access to HCF s comprehensive health and wellbeing program. When you switch from your existing health fund to an equivalent cover, no waiting periods will apply (providing you have served the waiting periods with your previous fund). You can add Lump Sum Medical Trauma Insurance to your health cover. It s easy to apply with no medical examination required. Members aged 18 to 54 years can choose benefits of $20,000 or $40,000.

5 Free personal review and recommendation Regardless of whether you re joining health insurance for the first time or are a long term member simply looking for a better deal, Deakin University s health insurance advisors, Health Link Consultants can help you to find the right cover. Your free, no obligation health insurance assessment is available simply by completing and returning the attached Personal Health Cover Review form, by completing the online form at or by calling Health Link Consultants on (03) or toll free A trained and experienced Health Link consultant will review the details you provide, identify the most appropriate option for your needs and forward full details for your consideration. This policy information will generally be sent to you by post or within 48 hours of receiving your details.

6 How to join the Deakin University Health Plan Joining or switching to the Deakin University Health Plan is as easy as 1, 2, Select your cover from the Deakin University Health Plan s range of hospital and extras options. You can obtain details by calling the Plan s health insurance advisors, Health Link on ph or by visiting: If you need help selecting the right cover you can request a free personal review and policy recommendation by calling ph or toll free or complete and return the attached Personal Health Insurance Review form. The form is also available online at 2. Complete the application forms. These include the application to join, payroll deduction authority, Government rebate application and a cancellation form for your previous health fund (complete if applicable). Forms are available from 3. Send your completed paperwork to Deakin Payroll Health Link will ensure your application is completed correctly and processed by your new fund. Importantly, Health Link will also send your cancellation form to your previous fund (if applicable) to ensure your switch to the Deakin Health Plan is hassle free.

7 Deakin University Personal Health Insurance Review To request a personal health insurance review and a free, no obligation recommendation, simply complete and return this form or complete it online at Surname: Given Name: Contact Phone: address: Address: Birthdate: Partner s DOB: Employer: State: Deakin University Postcode: How would you prefer to receive your health cover recommendation? post/ Tell us about your current health cover Name of current fund: Level of Cover: Current prem.: $ Do you have a Lifetime Health Cover loading? yes / no Tell us what type of cover your interested in: single / couple / family / single parent Hospital Cover required? yes no Maternity related obstetrics Assisted Reproductive Services Joint Reconstruction (i.e. Knee) Joint Replacement (i.e. Hip) Eye surgery Psychiatric Services Dialysis Services Cardiac Services / Coronary Care Extras Cover required? yes no General Dental Major Dental Orthodontic Optical Podiatry Chiropractic/Osteopath Physiotherapy Acupuncture Naturopathy Other: Do you have ambulance cover through the Ambulance Subscription Scheme: yes / no Please also send me a premium quote for Medical Trauma Insurance. Lump sum amount: $20,000 $40,000 Return this completed request to: Reply Paid 13107, Health Link Consultants, PO Box 13107, Law Courts VIC 8010 or fax to (03)