StarterPak

StarterPak
Basic +

Your Cover

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* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in . Please note that our prices will increase from 1 April

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StarterPak Basic +

Combined Hospital and Extras cover

Entry-level Hospital cover that allows you to choose your doctor, get a few services in a private hospital and many more in a public hospital (on restricted cover). There’s a few you can’t claim for at all. You won't have to pay an excess for a hospital admission on StarterPak.

StarterPak also includes the most commonly used Extras to help you proactively manage your health. 

 

Hospital cover

Legend

Covered
Not Covered
Restricted

Scope of cover

Additional Information

Important info

What you need to know about restricted services and waiting periods.

Restricted Services

Here’s an overview of what we’ll pay for and what you’ll have to pay for if going to hospital for treatment for a service that’s restricted. Note that scheduling of treatment will be up to the treating specialist and/or hospital.

In a public hospital:

  • We pay – accommodation in a shared room (as long as the hospital doesn’t charge above the default rate set out by the Federal Government), and medical costs.
  • You pay – any excess (if applicable), and any gap if your hospital charges above the default rate.

In a private hospital:

  • We pay – accommodation in a shared room (at the default rate set out by the Federal Government), and medical costs.
  • You pay – any excess (if applicable) and the balance of accommodation costs, plus any theatre costs. This could be costly, so ensure the hospital provides you with the potential costs upfront.

You should make sure you have a breakdown of all out-of-pocket costs you’ll need to pay before agreeing to treatment. This is called informed financial consent.

Learn more about restricted services

 

Hospital waiting periods

To keep health insurance fair for everyone, you may need to wait for a while before you can claim. This can happen if you:

  • are new to private health insurance
  • upgrade your cover to include things that weren’t covered before
  • upgrade your cover when you join from another health fund.

If you’re switching to Teachers Health from another fund, join us within 60 days to avoid re-serving any applicable waiting periods.

Standard hospital waiting periods:

Pre-existing conditions* 12 months
Psychiatric, rehabilitation and palliative care 2 months
All other hospital services 2 months
Emergency ambulance transport 1 day
Non-emergency ambulance transport 1 day

Extras cover

Legend

More Information

Click on the service to learn more
Services
Benefit
Yearly Limits
Periodic oral examination (012) - limit of 2 services, per person/year
$40
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Bitewing x-ray (022)
$30
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Removal of calculus (114) - limit of 2 services, per person/year
$70
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Topical application of remineralising agent (121) - limit of 2 services per year
$25
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Removal of tooth (311)
$90
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Filling: 1 surface metallic (511)
$63
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Filling: 3 surface metallic (513)
$109
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Filling: 1 surface adhesive restoration (531)
$80
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Filling: 3 surface adhesive restoration (533)
$115
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Services
Benefit
Yearly Limits
Removal of wisdom teeth requiring removal of bone (323)
$120
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Major Dental limit available for removal of wisdom teeth only.

Removal of wisdom teeth requiring removal of bone and tooth division (324)
$150
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Major Dental limit available for removal of wisdom teeth only.

Services
Benefit
Yearly Limits
Frames
$100
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Single vision lens - pair
$95
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Bifocal lens - pair
$95
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Multifocal lens - pair
$95
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Contact lenses - rigid or soft
$165
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Contact lenses - disposable
$165
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Services
Benefit
Yearly Limits
Chiropractic & Osteopathy - 1-4 visits
$40
Benefits
Yearly Limit
Yearly Limit

$400 per person / $800 per family. Sub-limits apply.

Chiropractic & Osteopathy - 5+ visits
$32
Benefits
Yearly Limit
Yearly Limit

$400 per person / $800 per family. Sub-limits apply.

Chiropractic & Osteopathy - group therapy
$20
Benefits
Yearly Limit
Yearly Limit

$400 per person / $800 per family. Sub-limits apply.

Physiotherapy - 1-4 visits
$40
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Chiropractic.

Physiotherapy - 5+ visits
$32
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Chiropractic.

$20
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Chiropractic.

Exercise physiology – Visits 1-4
$40
Benefits
Yearly Limits
Yearly Limits

Combined limit - see Chiropractic.

Exercise physiology – Visits 5+
$32
Benefits
Yearly Limits
Yearly Limits

Combined limit - see Chiropractic.

Exercise physiology – group therapy
$20
Benefits
Yearly Limits
Yearly Limits

Combined limit - see Chiropractic.

Natural therapies (Remedial Massage, Acupuncture, Chinese herbal medicine consultations, Myotherapy)
$32
Benefits
Yearly Limit
Yearly Limit

$200 per person, $400 per family.

Benefits are for face-to-face consultation only. No benefits for remedies, medicines or food preparation

Services
Benefit
Yearly Limits
100%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

100%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

100%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

100%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

National Healthy Eating Activity and Lifestyle (HEAL) program
100%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

Services
Benefit
Yearly Limits
$60
Benefits
Yearly Limit
Yearly Limit

$400 per person, $800 per family.

Hospital cover
Hospital cover

See more cover options.

Extras cover
Extras cover

See more cover options.