Private Hospital Cover

Private Hospital Cover
Private Hospital is our comprehensive Private Hospital cover with 4 different levels of excess to choose from.

Excess Options - Private Hospital Cover

You have 4 Private Hospital excess options to choose from:
1. No Excess, or
2. $150 - $150 per single or per person and $300 per family, or
3. $250 - $250 per single or per person and $500 per family, or
4. $500 - $500 per single or per person and $1,000 per family.

If you take an excess option you will pay an up front excess as specified below, if you are admitted to either a) a Day Surgery, b) a Public Hospital or c) a Private Hospital (for an over night stay), until you have reached your excess maximum, as specified below, within a financial year (1st July to 30th June). Excess maximums for each level of excess are:

Excess Bonus:

1. Per person excess maximums also apply to Family cover. Excess example:A person belonging to the family with the Excess $500, who goes into a private hospital for an overnight stay, will pay a maximum excess of $500 in a financial year. If another member of the family is also admitted to a private hospital for an overnight stay they will pay a separate excess to a maximum of $500. Other members of the family admitted to hospital in the same year will pay no excess. The financial year excess limit for the membership is a maximum of $1,000.
2. Excess applies to hospital services only, not medical or extras cover..

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Prices

The following premiums are applicable from 1 April 2008. The premiums displayed are after deducting the Federal Government’s 30% Rebate and assumes that you do not have a Lifetime Health Cover loading.

Please note:

• Fortnightly, Quarterly, Half-Yearly and Yearly rates are available upon request. No discounts apply for different payment frequencies.
• Payment can be made by Direct Debit or Payroll Deduction (if we have a payroll deduction arrangement established with your employer).
  

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Private Hospital Cover

Private Hospital Cover provides comprehensive Hospital cover, Australia wide:

Hospital Cover

• 100% cover for most private and public hospital services nationwide (after the up front excess has been paid) with access to an extensive range of quality services and approved programs in contracted private hospitals. The fund has agreements with the vast majority of private hospitals in all States and Territories of Australia. Our hospital agreements total more than 450 Australia wide and you can search our agreement hospitals schedule here.
• The services listed in the table above are applicable in all private hospitals that have entered into an agreement with Peoplecare. There are a small number of private hospitals that do not have agreements with the fund. In these cases a limited personal payment may apply.
• We do not have any treatment exclusions on services eligible for Medicare benefits.

Access Gap Cover

• Peoplecare has “Access Gap” arrangements with over 19,000 Doctor’s Australia wide.
• These arrangements maximise the financial benefits for our member’s in-hospital medical bills. The ultimate aim is to minimise or eliminate member’s out of pocket expenses when our members’ are treated as hospital in-patients.
• We understand that being admitted to hospital can be a very stressful and uncomfortable experience and we are working very hard to minimise or eliminate the financial impact of this experience.
• What is great about these “Access Gap” arrangements is that YOU will have either no out-of-pocket expenses to pay or will know exactly how much you will have to pay before treatment begins, AND be unlikely to have to lodge a claim for benefits as your doctor can bill Peoplecare direct, making it even easier for you.
• Search here for a specialist that has a No / Known Gap arrangement with Peoplecare.
• Peoplecare is unable to provide details of all Doctor’s that we have “Access Gap” arrangements with via this search facility as some doctors have requested not to be publicly listed. If the doctor you are looking for is not listed, please give us a call on 1800 808 690 during business hours or send us an email.

Ambulance Cover

What We Will Cover:

• 100% reimbursement of the cost of service, irrespective of distance travelled within the Commonwealth of Australia.
• There is no annual $ claim limit on these ambulance services and there is no waiting period.

What We Will Not Pay For:

• Ambulance subscription or state based ambulance levies.
• Ambulance costs that are covered under government legislation or other compensable sources.
  

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Waiting Periods

Please note: If a person is transferring over to Peoplecare from another fund with an equivalent or higher level of cover, is financial and waiting periods from the previous fund have been served, waiting periods will be waived, but,

• Members transferring from another fund that have used all or part of their annual limits with this other fund will only receive the difference between Peoplecare’s limit and the amount already claimed from the other fund in the first year of membership, and
• Members transferring from another fund that have lower limits than Peoplecare must serve the waiting periods listed above before they can claim more than the former fund’s limit.
• Members transferring from another fund will not be entitled to continuity for any Health Management benefits ie the normal 6 months waiting period must be served before any Peoplecare benefits are payable.

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Dependants

Children / dependants are covered as dependents on a family membership to age :

• 21 years, whether or not they are working full time. However they must not be married or living in a de-facto relationship,
  or
• 25 years if they are full time students and documentation confirming this is provided to Peoplecare annually. However they must not be married or living in a de-facto relationship.
• Once dependants cease to be covered under the family membership they are then entitled and strongly encouraged to take their own membership with us and continue to enjoy the exceptional benefits, competitive rates and first class service that we offer.
  

    Benefits of membership with Peoplecare

        More details available at our website www.peoplecare.com.au or by calling us on 1800 808 690

• Online member services at our website www.peoplecare.com.au

• Electronic "eftpos style" claiming at more than 20,000 dentists, physiotherapists, optical dispensers, chiropractors, osteopaths and podiatrists Australia wide.
• Discounted Travel Insurance.

     Privacy Statement

Peoplecare respects your privacy and is committed to keeping your personal information safe through compliance with the Privacy Act and the National Privacy Principles.

Peoplecare only collects information that is necessary to assist the fund in providing its services. We do not collect personal information unless we first ask the member or individual for it.

Peoplecare exercises great care to protect the personal information that is held.

If you wish to obtain additional information regarding our Privacy Policy please contact the fund Privacy Officer on 1800 808 690 or refer to our website www.peoplecare.com.au

     Cooling off Period

We are committed to ensuring that you choose the health cover that is right for you. If for any reason you decide that your choice was not suitable then we will provide a refund of your premiums (provided no claims have been made). You will need to contact us within the first 30 days of joining the fund or changing your level of cover for this 'cooling off period' to be available.

     Complaints

If you have a complaint about Peoplecare please contact the fund on 1800 808 690 and ask to speak to the Complaints Officer. If your complaint is not resolved you are entitled to seek the services of the Private Health Insurance Ombudsman (PHIO). PHIO provides free independent services to private health insurance fund members. PHIO (www.phio.org.au) can be contacted on 1800 640 695 and they are located at Level 7, 362 Kent Street, SYDNEY, NSW 2000.

Change Your Level of Cover

Click here to download our Change Level of Cover form,
or

Click here to change your Level of Cover online

If you have any questions please call us on FREECALL: 1800 808 690 during business hours or send us an e-mail ( info@peoplecare.com.au )

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