Combination Cover

Our Combination Cover includes both Gold Hospital and Extras Cover

All multiple year benefits (2 years and over) are calculated on a rolling year basis, from the date of service (instead of calendar year). Multiple year benefits (2 years and over) are divided over that period of time, with lifetime limits being paid over 5 years. For example: with a lifetime limit of $1,350, $270 is payable each year for 5 years. All rolling years incur a benefit limitation period.

  Gold Hospital Cover
Excess Nil
Public or Private Hospital
– shared or private room
Choice of doctor
Doctors bills (in hospital)
Medical Gap cover
Same day hospital accommodation
Intensive Care
Theatre fees
Drugs & Dressings
Obstetrics
Recovery Room
Special nursing in hospital
Surgically implanted prostheses
Other Medicare Services (in hospital)
Cosmetic Surgery X
Services not covered by Medicare X
Co-payments Nursing home type patients only

 

Please keep in mind that waiting periods, including those for pre-existing conditions, may apply. 

Service Benefit Limit (per person)*
General Dental No annual limit
Major Dental  
- Surgery $6500 in any 5 rolling years
After 1 year - $1,300
After 2 years - $2,600
After 3 years - $3,900
After 4 years - $5,200
After 5 years - $6,500
- Crown and Bridges $6000 in any 5 rolling years
After 1 year - $1,200
After 2 years - $2,400
After 3 years - $3,600
After 4 years - $4,800
After 5 years - $6,000
- Dentures $2500 in any 5 rolling years
After 1 year - $500
After 2 years - $1,000
After 3 years - $1,500
After 4 years - $2,000
After 5 years - $2,500
Endodontic $1,700 in any 2 years
After 1 year - $850
After 2 years - $1,700
Orthodontic $4,450 lifetime limit
After 1 year - $890
After 2 years - $1,780
After 3 years - $2,670
After 4 years - $3,560
After 5 years - $4,450
Optical  
- Glasses and Contact Lenses $920 in any 2 rolling years
After 1 year - $460
After 2 years - $920
- Laser Eye Surgery $1,350 per eye in a lifetime
After 1 year - $270 per eye
After 2 years - $540 per eye
After 3 years - $810 per eye
After 4 years - $1,080 per eye
After 5 years - $1,350 per eye
- Orthoptic Treatment $790 within 1 year
Non-PBS Pharmaceuticals $1,000 within 1 year
Physiotherapy $1,000 within 1 year
Chiropractic and Osteopathy $920 within 1 year
Podiatry $750 within 1 year
Psychologist $920 within 1 year
Acupuncture $850 within 1 year
Naturopathy and Remedial Massage $850 within 1 year
Hearing Aids $5,440 in any 5 rolling years
After 1 year - $1,088
After 2 years - $2,176
After 3 years - $3,264
After 4 years - $4,352
After 5 years - $5,440
Ambulance No annual limit

* Per-item limits and waiting periods, including those for pre-existing conditions, may apply. As at 1 April 2018.