You are FULLY covered for...

• Private and Public Hospital Treatment* (including accommodation and theatre fees) which includes:
  • Day Surgery and Procedures (including investigations like Colonoscopy)
  • Intensive/Coronary Care
• Medically necessary Ambulance Transportation
• Doctor and Specialist fees both in and out of hospital up to the Medicare Schedule Fee
• Minimum cost of approved Surgical Prostheses e.g. replacement knee or hip
• Government Subsidised Pharmaceuticals in hospital
• Hospital Care At Home Program, allowing you to recover at home

You have LIMITED cover for...

• Hospital treatment (including accommodation and theatre fees):
  • Pregnancy and Birth Related Services
  • Psychiatry, Rehabilitation and Palliative Care
• Public hospital accident and emergency facility fees only when preceding a public hospital admission

You ARE NOT covered for...

• Services provided outside of Australia
• Elective Cosmetic Surgery unless as a result of an accident or surgical scarring occurring in Australia after joining the membership
• Assisted Reproductive Services (IVF/GIFT)
• Hospital Accident and Emergency Facility Fees
• Surgery by a Podiatrist
• Pharmacy when not an admitted patient in hospital
• Bone Marrow and Organ Transplant

Additional Benefits

• Preventative Health:
  • Cervical Cancer Vaccination
  • Health Coaching
  • Step into Life
  • Weight Loss Benefit
  • A comprehensive health check-up with your doctor
  • Quit Smoking
• Wellplan Online
• Programs and Memberships
  • The Coronary Artery Disease Program
  • Diabetes Australia Membership
  • Diabetes Program
  • Bone Health Program
  • Lift For Life Program