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Providing the following information will help us calculate the price that you would need to pay for your health cover.

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All children to be covered will be under the age of 23
All children aged 23-30 are full-time students (includes apprenticeships)
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Please enter your date of birth.
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TOTAL FROM: $90.70 Monthly
30 day off cooling periodJoin now with peace of mind
96612F4D-7E4C-4DDF-A3C6-581A770EC7E9

Advantage Choice Combination (Silver Plus)

Mid-level cover including joint reconstructions, back, neck and spine, heart and vascular with no excess for Accidents and covering extras including preventative, general and major dental, chiro, physio, podiatry, braces, splints and garments.

From

$86.62*

Hospital excess
Singles will only pay one excess for the first hospital admission each calendar year. Couples and families will only pay one excess for the first hospital admission per adult each calendar year. Plus you won't pay an excess for admissions as a result of an Accident or if your child or student dependant is admitted to hospital.
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$ after April 1

$86.62*

Minimum direct debit period

/ Fortnightly

30 day cooling off period

Join now with peace of mind

* Assumes a 4% discount for direct debit and 0% aged based discount. Any rebate and Lifetime Health Cover loading listed above has been factored into the price. Price includes cover for non-student dependants aged 23 and over.Price excludes cover for non-student dependants aged 23 and over.
Hertz members discount has been applied.

Hospital cover benefits

  • Accident Cover

  • No excess to pay if you get treatment due to an Accident

  • Save money with cover that excludes things you're unlikely to use such as assisted reproductive services & dialysis for chronic kidney failure

Package Fact Sheet

Extras cover benefits

  • Get up to $2950 per person, per calendar year on extras

  • Cover for extras including general dental plus crowns, bridges & dentures, optical, chiro & physio and much more

  • 60% back on orthotics, braces, splints and garments (up to yearly limit)

Package Fact Sheet

Advantage Choice Combination (Silver Plus) Hospital cover

Inclusions

Waiting period

Rehabilitation
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.

For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.
2 months
Palliative care
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
2 months
Hospital psychiatric services
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.
2 months
Ambulance Cover
Ambulance transportation to hospital. You are covered for emergency ambulance transportation to hospital provided that the transport is coded and invoiced as emergency transport by a recognised State Ambulance authority. Some State schemes already cover ambulance services.
0 months
Also includes two ambulance attendances per person per calendar year, where you are not taken to hospital.
Dental surgery
Hospital treatment for surgery to the teeth and gums.

For example: surgery to remove wisdom teeth, and dental implant surgery.
2 months or 12 months pre-existing
Joint reconstructions
Hospital treatment for surgery for joint reconstructions.

For example: torn tendons, rotator cuff tears and damaged ligaments.

Joint replacements are listed separately under Joint replacements.

Bone fractures are listed separately under Bone, joint and muscle.

Procedures to the spinal column are listed separately under Back, neck and spine.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
2 months or 12 months pre-existing
Tonsils, adenoids and grommets
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
2 months or 12 months pre-existing
Blood
Hospital treatment for the investigation and treatment of blood and blood-related conditions.

For example: blood clotting disorders and bone marrow transplants.

Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Bone, joint and muscle
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.

Chest surgery is listed separately under Lung and chest.

Spinal cord conditions are listed separately under Brain and nervous system.

Spinal column conditions are listed separately under Back, neck and spine.

Joint reconstructions are listed separately under Joint reconstructions.

Joint replacements are listed separately under Joint replacements.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Brain and nervous system
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson's disease.

Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Breast surgery (medically necessary)
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically
necessary.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Chemotherapy, radiotherapy and immunotherapy for cancer
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.

Surgical treatment of cancer is listed separately under each body system.
2 months or 12 months pre-existing
Diabetes management (excluding insulin pumps)
Hospital treatment for the investigation and management of diabetes.

For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.

Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.

Treatment for ulcers is listed separately under Skin.

Provision and replacement of insulin pumps is listed separately under Insulin pumps.
2 months or 12 months pre-existing
Digestive system
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

Endoscopy is listed separately under Gastrointestinal endoscopy.

Hernia and appendicectomy procedures are listed separately under Hernia and appendix.

Bariatric surgery is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Ear, nose and throat
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.

The implantation of a hearing device is listed separately under Implantation of hearing devices.

Orthopaedic neck conditions are listed separately under Back, neck and spine.

Sleep studies are listed separately under Sleep studies.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Eye (not cataracts)
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.

For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.

Cataract procedures are listed separately under Cataracts.

Eyelid procedures are listed separately under Plastic and reconstructive surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Gastrointestinal endoscopy
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).

Non-endoscopic procedures for the digestive system are listed separately under Digestive system.
2 months or 12 months pre-existing
Gynaecology
Hospital treatment for the investigation and treatment of the female reproductive system.

For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

Fertility treatments are listed separately under Assisted reproductive services.

Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.

Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Hernia and appendix
Hospital treatment for the investigation and treatment of a hernia or appendicitis.

Digestive conditions are listed separately under digestive system.
2 months or 12 months pre-existing
Kidney and bladder
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

For example: kidney stones, adrenal gland tumour and incontinence.

Dialysis is listed separately under Dialysis for chronic kidney failure.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Lung and chest
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Male reproductive system
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

For example: male sterilisation, circumcision and prostate cancer.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Miscarriage and termination of pregnancy
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
2 months or 12 months pre-existing
Pain management
Hospital treatment for pain management that does not require the insertion or surgical management of a device.

For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.

Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.
2 months or 12 months pre-existing
Plastic and reconstructive surgery (medically necessary)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or Accident, or congenital.

For example: burns requiring a graft, cleft palate, club foot and angioma.

Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Skin
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.

For example: melanoma, minor wound repair and abscesses.

Removal of excess skin due to weight loss is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Back, neck and spine
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

For example: sciatica, prolapsed or herniated disc, spinal disc replacement and spine curvature disorders such as scoliosis, kyphosis and lordosis.

Joint replacements are listed separately under Joint replacements.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal cord conditions are listed separately under Brain and nervous system.

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Heart and vascular system
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Implantation of hearing devices
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Stapedectomy is listed separately under Ear, nose and throat.
2 months or 12 months pre-existing
Podiatric surgery (provided by a registered podiatric surgeon)
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:
  • - accommodation; and
  • - the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.

Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so.
2 months or 12 months pre-existing
Sleep studies
Hospital treatment for the investigation of sleep patterns and anomalies.

For example: sleep apnoea and snoring.
2 months or 12 months pre-existing
Insulin pumps
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
2 months or 12 months pre-existing
Joint reconstructions
Hospital treatment for surgery for joint reconstructions.

For example: torn tendons, rotator cuff tears and damaged ligaments.

Joint replacements are listed separately under Joint replacements.

Bone fractures are listed separately under Bone, joint and muscle.

Procedures to the spinal column are listed separately under Back, neck and spine.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
2 months or 12 months pre-existing
Tonsils, adenoids and grommets
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
2 months or 12 months pre-existing
Blood
Hospital treatment for the investigation and treatment of blood and blood-related conditions.

For example: blood clotting disorders and bone marrow transplants.

Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Bone, joint and muscle
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.

Chest surgery is listed separately under Lung and chest.

Spinal cord conditions are listed separately under Brain and nervous system.

Spinal column conditions are listed separately under Back, neck and spine.

Joint reconstructions are listed separately under Joint reconstructions.

Joint replacements are listed separately under Joint replacements.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Brain and nervous system
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson's disease.

Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Breast surgery (medically necessary)
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically
necessary.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Chemotherapy, radiotherapy and immunotherapy for cancer
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.

Surgical treatment of cancer is listed separately under each body system.
2 months or 12 months pre-existing
Diabetes management (excluding insulin pumps)
Hospital treatment for the investigation and management of diabetes.

For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.

Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.

Treatment for ulcers is listed separately under Skin.

Provision and replacement of insulin pumps is listed separately under Insulin pumps.
2 months or 12 months pre-existing
Digestive system
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

Endoscopy is listed separately under Gastrointestinal endoscopy.

Hernia and appendicectomy procedures are listed separately under Hernia and appendix.

Bariatric surgery is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Ear, nose and throat
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.

The implantation of a hearing device is listed separately under Implantation of hearing devices.

Orthopaedic neck conditions are listed separately under Back, neck and spine.

Sleep studies are listed separately under Sleep studies.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Eye (not cataracts)
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.

For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.

Cataract procedures are listed separately under Cataracts.

Eyelid procedures are listed separately under Plastic and reconstructive surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Gastrointestinal endoscopy
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).

Non-endoscopic procedures for the digestive system are listed separately under Digestive system.
2 months or 12 months pre-existing
Gynaecology
Hospital treatment for the investigation and treatment of the female reproductive system.

For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

Fertility treatments are listed separately under Assisted reproductive services.

Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.

Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Hernia and appendix
Hospital treatment for the investigation and treatment of a hernia or appendicitis.

Digestive conditions are listed separately under digestive system.
2 months or 12 months pre-existing
Kidney and bladder
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

For example: kidney stones, adrenal gland tumour and incontinence.

Dialysis is listed separately under Dialysis for chronic kidney failure.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Lung and chest
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Male reproductive system
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

For example: male sterilisation, circumcision and prostate cancer.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Miscarriage and termination of pregnancy
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
2 months or 12 months pre-existing
Pain management
Hospital treatment for pain management that does not require the insertion or surgical management of a device.

For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.

Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.
2 months or 12 months pre-existing
Plastic and reconstructive surgery (medically necessary)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or Accident, or congenital.

For example: burns requiring a graft, cleft palate, club foot and angioma.

Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Skin
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.

For example: melanoma, minor wound repair and abscesses.

Removal of excess skin due to weight loss is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Back, neck and spine
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

For example: sciatica, prolapsed or herniated disc, spinal disc replacement and spine curvature disorders such as scoliosis, kyphosis and lordosis.

Joint replacements are listed separately under Joint replacements.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal cord conditions are listed separately under Brain and nervous system.

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Heart and vascular system
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
2 months or 12 months pre-existing
Implantation of hearing devices
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Stapedectomy is listed separately under Ear, nose and throat.
2 months or 12 months pre-existing
Podiatric surgery (provided by a registered podiatric surgeon)
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:
  • - accommodation; and
  • - the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.

Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so.
2 months or 12 months pre-existing
Sleep studies
Hospital treatment for the investigation of sleep patterns and anomalies.

For example: sleep apnoea and snoring.
2 months or 12 months pre-existing
Insulin pumps
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
2 months or 12 months pre-existing

Exclusions

Cataracts
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Joint replacements
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal fusions are listed separately under Back, neck and spine.

Joint reconstructions are listed separately under Joint reconstructions.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Pain management with device
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).

Treatment of pain that does not require a device is listed separately under Pain management.
Assisted reproductive services
Hospital treatment for fertility treatments or procedures.

For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).

Treatment of the female reproductive system is listed separately under Gynaecology.

Pregnancy and birth-related services are listed separately under Pregnancy and birth.
Dialysis for chronic kidney failure
Hospital treatment for dialysis treatment for chronic kidney failure.

For example: peritoneal dialysis and haemodialysis.
Pregnancy and birth
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

Treatment for the baby is covered under the clinical category relevant to their condition (provided your baby is included under your cover). For example, respiratory conditions are covered under Lung and chest.

Female reproductive conditions are listed separately under Gynaecology.

Fertility treatments are listed separately under Assisted reproductive services.

Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Weight loss surgery
Hospital treatment for surgery that is designed to reduce a person's weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

For example: gastric banding, gastric bypass, sleeve gastrectomy.
Pregnancy and birth
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

Treatment for the baby is covered under the clinical category relevant to their condition (provided your baby is included under your cover). For example, respiratory conditions are covered under Lung and chest.

Female reproductive conditions are listed separately under Gynaecology.

Fertility treatments are listed separately under Assisted reproductive services.

Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Weight loss surgery
Hospital treatment for surgery that is designed to reduce a person's weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

For example: gastric banding, gastric bypass, sleeve gastrectomy.

Key

Excluded
Covered
Restricted

Advantage Choice Combination (Silver Plus) Extras cover

Claim up to $2950 per person, per calendar year

Extras covered

Yearly limits (per person)
/what you get back

Waiting periods

No Gap Dental Network

No Gap Dental covers selected services such as scale and clean, fluoride treatment and mouthguards.

Please note: No Gap Dental providers are not available in all states and territories.

Preventative dental

Covers selected services such as scale and clean, fluoride treatment and mouthguards.

General dental

Covers most fillings and simple extractions.

Root canal, gum disease treatments & surgical extractions

 

Crowns, bridges and dentures

 

$700 combined limit for all dental

Set amounts per item

or 100% of the cost for selected services at our No Gap Dental Network. Benefits claimed as No Gap do not count towards the yearly limit.

0 months

0 months

0 months for selected diagnostic services

2 months includes most fillings and simple tooth extractions

12 months

12 months

A full denture replacement is limited to once every three years.

Optical

For prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.

$200 limit
Up to 100% of the cost per item

6 months

Physiotherapy & exercise physiology

Including sports physiotherapy and hydrotherapy.

Combined limit of $400

$52 per consultation

2 months

Chiropractic & osteopathy

 

Natural therapies

Myotherapy, acupuncture & Chinese medicine

Remedial massage

 

Combined limit of $300 for chiropractic & osteopathy, natural therapies and remedial massage

Limit of one chiropractic x-ray

$40 per consultation

$40 for a chiropractic x-ray

2 months

2 months

2 months

Podiatry

Excludes podiatric surgery.

Orthotics, braces, splints and garments

Orthotics must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice. Braces and splints must be recommended by a podiatrist, physiotherapist or medical practitioner and supplied by an approved provider in a private practice.

Combined limit of $300 for podiatry, orthotics, braces, splints and garments

$35 per consultation for podiatry

60% of the cost per item for orthotics, braces, splints and garments

2 months

12 months

Speech, eye & occupational therapy

 

Combined limit of $300
$35 per consultation

2 months

Dietetics

 

$300 limit
$35 per consultation

2 months

Pharmacy

For non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge. Excludes vitamins, minerals and supplements.

$300 limit
Up to $50 per script

2 months

Travel vaccinations

For approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel.

$150 limit
Up to 100% of the cost

0 months

Advantage Choice Combination (Silver Plus) cover cover

Claim up to $2950 per person, per calendar year

Extras covered

No Gap Dental covers selected services such as scale and clean, fluoride treatment and mouthguards. Please note: No Gap Dental providers are not available in all states and territories.

Yearly limits (per person)

$700 combined limit for all dental

Set amounts per item

or 100% of the cost for selected services at our No Gap Dental Network. Benefits claimed as No Gap do not count towards the yearly limit.

Waiting Periods

0 months

Covers selected services such as scale and clean, fluoride treatment and mouthguards.

Yearly limits (per person)

$700 combined limit for all dental

Set amounts per item

or 100% of the cost for selected services at our No Gap Dental Network. Benefits claimed as No Gap do not count towards the yearly limit.

Waiting Periods

0 months

Covers most fillings and simple extractions.

Yearly limits (per person)

$700 combined limit for all dental

Set amounts per item

or 100% of the cost for selected services at our No Gap Dental Network. Benefits claimed as No Gap do not count towards the yearly limit.

Waiting Periods

0 months for selected diagnostic services

2 months includes most fillings and simple tooth extractions

 

Yearly limits (per person)

$700 combined limit for all dental

Set amounts per item

or 100% of the cost for selected services at our No Gap Dental Network. Benefits claimed as No Gap do not count towards the yearly limit.

Waiting Periods

12 months

 

Yearly limits (per person)

$700 combined limit for all dental

Set amounts per item

or 100% of the cost for selected services at our No Gap Dental Network. Benefits claimed as No Gap do not count towards the yearly limit.

Waiting Periods

12 months

A full denture replacement is limited to once every three years.

For prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.

Yearly limits (per person)

$200 limit
Up to 100% of the cost per item

Waiting Periods

6 months

Including sports physiotherapy and hydrotherapy.

Yearly limits (per person)

Combined limit of $400

$52 per consultation

Waiting Periods

2 months

 

Yearly limits (per person)

Combined limit of $300 for chiropractic & osteopathy, natural therapies and remedial massage

Limit of one chiropractic x-ray

$40 per consultation

$40 for a chiropractic x-ray

Waiting Periods

2 months

Myotherapy, acupuncture & Chinese medicine

Yearly limits (per person)

Combined limit of $300 for chiropractic & osteopathy, natural therapies and remedial massage

Limit of one chiropractic x-ray

$40 per consultation

$40 for a chiropractic x-ray

Waiting Periods

2 months

 

Yearly limits (per person)

Combined limit of $300 for chiropractic & osteopathy, natural therapies and remedial massage

Limit of one chiropractic x-ray

$40 per consultation

$40 for a chiropractic x-ray

Waiting Periods

2 months

Excludes podiatric surgery.

Yearly limits (per person)

Combined limit of $300 for podiatry, orthotics, braces, splints and garments

$35 per consultation for podiatry

60% of the cost per item for orthotics, braces, splints and garments

Waiting Periods

2 months

Orthotics must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice. Braces and splints must be recommended by a podiatrist, physiotherapist or medical practitioner and supplied by an approved provider in a private practice.

Yearly limits (per person)

Combined limit of $300 for podiatry, orthotics, braces, splints and garments

$35 per consultation for podiatry

60% of the cost per item for orthotics, braces, splints and garments

Waiting Periods

12 months

 

Yearly limits (per person)

Combined limit of $300
$35 per consultation

Waiting Periods

2 months

 

Yearly limits (per person)

$300 limit
$35 per consultation

Waiting Periods

2 months

For non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge. Excludes vitamins, minerals and supplements.

Yearly limits (per person)

$300 limit
Up to $50 per script

Waiting Periods

2 months

For approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel.

Yearly limits (per person)

$150 limit
Up to 100% of the cost

Waiting Periods

0 months

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Our No Gap Dental Network is available at 11 locations in VIC

View locations

Enjoy no gap preventative
dental treatments

Get preventative dental treatment with no out-of-pocket costs (up to your yearly limit, depending on your level of cover) when you visit any provider in our No Gap Dental Network.

Covered treatments include :

  • Initial and preventative examination

  • Scale, clean and topical fluoride treatment

  • Custom mouthguards for protection during contact sports

What you need to join today

  • Medicare card

  • Payment details

  • Existing cover information (if applicable)

* Assumes a 4% discount for direct debit and 0% aged based discount. Any rebate and Lifetime Health Cover loading listed above has been factored into the price. Price includes cover for non-student dependants aged 23 and over.Price excludes cover for non-student dependants aged 23 and over.
Hertz members discount has been applied.

Advantage Choice Combination (Silver Plus)

From

$86.62*

Hospital excess
Singles will only pay one excess for the first hospital admission each calendar year. Couples and families will only pay one excess for the first hospital admission per adult each calendar year. Plus you won't pay an excess for admissions as a result of an Accident or if your child or student dependant is admitted to hospital.
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$ after April 1

$86.62*

Minimum direct debit period

/ Fortnightly

30 day cooling off period

Join now with peace of mind

* Assumes a 4% discount for direct debit and 0% aged based discount. Any rebate and Lifetime Health Cover loading listed above has been factored into the price. Price includes cover for non-student dependants aged 23 and over.Price excludes cover for non-student dependants aged 23 and over.