Your hospital cover
As part of the private health insurance reforms, all health funds have to align their hospital products to new Standard Clinical Categories and Gold/Silver/Bronze/Basic product tiers.
Each Standard Clinical Category has a defined list of services that are covered. While most of our Starterpak cover directly matched the new categories, in some cases we’ve had to add or remove services to fit the new structure.
- Where financially viable, we’ve increased cover for some services.
- In the case where premiums would be significantly impacted, we’ve decreased cover.
- We’re required to include the new product tier in the name. As this product exceeds the minimum requirement for the ‘Basic’ tier, it’ll now be called Starterpak (Basic Plus).
StarterPak Basic +
Scope of cover
Note: Restricted cover – for restricted services provided in a public hospital, we pay for accommodation in a shared room (as long as the hospital doesn’t charge more than the default rate set out by the Federal Government), and medical costs.
What does the Basic Plus tier mean?
‘Plus’ means your cover includes more than the minimum requirement for the Basic tier. Our Basic Hospital, Mid Hospital and Starterpak cover all fit into the Basic Plus tier, but they’re not the same. It’s wise to double check what is and included on your cover from time to time, to make sure it’s still right for you.
Your Extras cover
Natural therapies changes
All health funds are now unable to cover some natural therapy services. From 1 April 2019, you can still use your natural therapies limit to claim for:
- Remedial massage
- Chinese herbal medicine consultations
- Alexander technique
- Bowen therapy
- Western herbal medicine
If you had one of these treatments before 1 April 2019, and haven’t claimed yet, you have two years from your treatment date to do so.
Yoga and Pilates removal
We’re also unable to cover the following under the Healthy Lifestyle limit:
- Pilates (including Pilates classes run by a physiotherapist or exercise physiologist)