Qantas Insurance

Qantas Bronze Hospital and Extras $500 Excess

Name: Qantas Bronze Hospital and Extras $500 Excess
Brand: Qantas Insurance
Price: 239.82 AUD

$239.82 / month

(Before Rebate, Discount & Loading)

Available in QLD

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading, an Age-based Discount or an insurer discount. Check with your insurer for details.

This policy covers: Only one person.

Policy ID: NIB/J52/QOYB10

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy does not provide benefits for travel or accommodation outside of hospital.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Hernia and appendix

Hospital psychiatric services

Insulin pumps

Joint reconstructions

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Palliative care

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services

Back, neck and spine

Cataracts

Dialysis for chronic kidney failure

Heart and vascular system

Implantation of hearing devices

Joint replacements

Pregnancy and birth

Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per person and $500 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

We do not have a preferred-provider-network-arrangement but operate a MediGap scheme aiming to eliminate the 'gap' payments for specialist fees in hospital. When a specialist chooses to participate in MediGap, they agree not to charge an out-of-pocket expense for your procedure. We do this by building a network of specialists who may agree to receive a higher benefit from us than they would ordinarily receive. In exchange, they do not charge you an out-of-pocket expense. Ask your specialist if they'll MediGap for you!

For further information about this policy see: https://my.nib.com.au/product-collateral/133

Extras Cover

Receive 60% of the cost back for eligible dental treatment at First Choice providers. By choosing a First Choice provider, you may also pay less out of pocket for many allied health services. See https://insurance.qantas.com/find-a-provider.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Endodontic 12

$350 per policy

combined limit for endodontic & major dental

Filling of one root canal: $178.1

General dental 2

$600 per policy

Fluoride treatment: $21.85
Scale & clean: $66.85
Periodic oral examination: $35.2

Health management / Healthy lifestyle 6

$100 per policy

Health management: 60% of charge

Major dental 12

$350 per policy

combined limit for endodontic & major dental

Surgical tooth extraction: $168.55
Full crown veneered: $1079.1

Non PBS pharmaceuticals 2

$100 per policy

Per eligible prescription: 60% of charge

Optical 6

$200 per policy

Multi-focal lenses & frames: 60% of charge
Single vision lenses & frames: 60% of charge

Physiotherapy 2

$300 per policy

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $178.1}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

Examples of maximum benefits

{Fluoride treatment: $21.85}

{Scale & clean: $66.85}

{Periodic oral examination: $35.2}

Health management / Healthy lifestyle

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

Examples of maximum benefits

{Health management: 60% of charge}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: $168.55}

{Full crown veneered: $1079.1}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

Examples of maximum benefits

{Per eligible prescription: 60% of charge}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 60% of charge}

{Single vision lenses & frames: 60% of charge}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer) and more. For Preventative dental service limits apply.

This policy does not include General treatment (Extras) cover for

Acupuncture

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Chinese medicine

Chiropractic

Dietetics/dietary advice

Exercise physiology

Eye therapy (orthoptics)

Hearing aids

Home nursing

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Osteopathy

Podiatry

Psychology

Remedial massage

Speech therapy

Vaccinations

Other features of this general treatment cover: Of course, you can see your choice of provider, but by choosing a FirstChoice provider, you may have less to pay towards the cost of your treatment. We’ve created the FirstChoice network to help you access quality healthcare and a better deal for you and your family. We’ve locked in lower costs with our FirstChoice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.

For further information about this policy see: https://my.nib.com.au/product-collateral/133

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

Other features of this ambulance cover: Emergency ambulance costs are covered by the state government for residents of Queensland.

For further information about this policy see: https://my.nib.com.au/product-collateral/133

Insurer Details

Qantas Insurance

Qantas Bronze Hospital and Extras $500 Excess

$239.82 / month

(Before Rebate, Discount & Loading)

Available in QLD

Qantas Insurance

https://www.qantasinsurance.com/health

13 49 60

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/NIB/J52/QOYB10

Qantas Bronze Hospital and Extras $500 Excess

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Qantas Bronze Hospital and Extras $500 Excess