Gold Extras

Gold Extras

Protecting the health of yourself and your loved ones is important. You want the most comprehensive level of extras cover that provides for the health needs of yourself and everyone in your family. This doesn’t include hospital cover.

Our highest Extras cover.

  • General dental with no annual limits
  • High Cost dental with generous limits & loyalty bonuses after 5 years cover
  • Optical cover - 100% cover up to $300 per person per year
  • Physio
  • Chiro
  • Osteo
  • Natural Therapies
  • Psychology
  • Orthotics
  • Health Management benefits
  • Pharmacy
  • 100% national Ambulance Cover
Service Gold Extras (Effective from 1 July 2013)
    Benefit Annual Limit
General Dental Basic Restoration (fillings) Set benefits per dental item No annual limit
Diagnostic Services
Extractions
Oral Surgery
Periodontics
Endodontics (Root Canal Therapy)
High Cost Dental Crowns & Bridges Set benefits per dental item $1,000
($1,500 loyalty limit)
Dentures $650
($840 loyalty limit)
Implants $1,000
Orthodontics 80% of cost Lifetime Limit - $2,100
($2,600 loyalty limit)
Optical Glasses & Contact Lenses 100% of cost $300
Laser Eye Surgery $500 per eye
Pharmacy Prescriptions only 100% of the cost
$65 per script (after PBS amount*)		 $500 per person/
$1,000 per family
Physiotherapy and other therapies Physiotherapy Initial Consultation $50
Consultations 2 – 10 $30
Consultations 11+ $20		 $550 per person/
$1,100 per family
Occupational Therapy Initial Consultation $60
Subsequent Consultation $35
Hydrotherapy 80% of cost to $10
Limit - $200 per person
/ $400 per family
Chiropractic Chiropractic & Osteopathy Initial Consultation $45
Consultations 2 – 10 $25
Consultations 11+ $15		 $550 per person/
$1,100 per family
Chiropractic Xray 80% of cost
Complementary Therapies Remedial Massage Initial Consultation $35
Consultations 2 – 10 $25
Consultations 11+ $15		 $435 per person/
$870 per family
Myotherapy
Homeopathy
Naturopathy
Herbal Medicine Consultation
Acupuncture
Podiatry
Dietetics
Other benefits Orthotics 80% of cost $250 per person/
$500 per family
every 2 years
Pre / Post Natal Classes 80% of cost $150
Home Nursing 80% of cost up to $45 per visit/ $90 per day $1,000
Speech Therapy 80% of cost $800
Hearing Aids 80% of cost $1,500 every 5 years
Psychology Initial consultation - 80% up to $120
Subsequent consultation - 80% up to $60		 $500 per person/
$650 per family
Allergy Treatment 80% of cost $100
Surgical Equipment/
Health Aids
Sub-limits apply.
Contact us for more info.		 Year 1 50% of cost
Year 2 50% of cost
Year 3 60% of cost
Year 4 70% of cost
Year 5+ 80% of cost		 $400
$625
$750
$875
$1,000
Health Management Programs 100% of cost $150 (single)/
$300 (family)
Ambulance National ambulance cover 100% of cost No annual limit

General Conditions

  • Annual limits are per person unless specified otherwise.
  • Optical benefits apply when prescribed by a registered optometrist. Benefits will only be paid where sight correction is necessary. No benefit is payable for sunglasses.
  • High Cost Dental: Loyality Limits apply after 5 years of continuous membership on Gold Extras.
  • There are no pharmacy benefits for contraceptives or over the counter medicine.
  • Annual limits are for a financial year. i.e. 1 July – 30 June.
  • Please see fund brochure or cover description for full product information.
  • We recommend you contact the Fund to confirm your benefits before undergoing treatment.

 *Pharmacy benefit applies after the maximum PBS amount of $36.10 has been deducted.

 

How much does it cost?

Monthly premium
From 1 April 2013		 Single Single Parent Family Couple / Family
Without Rebate $67.73 $135.47 $135.47

 

Monthly premium
From 1 April 2013		 Single Single Parent Family Couple / Family
With 30% Rebate $47.38 $94.82 $94.82
Note: The Australian Government Rebate on Private Health Insurance is income tested and applies to all Peoplecare products. The premiums above are the full premium and the premium with a 30% rebate taken out (because this is the premium that applies to most people). Your rebate will be between 0% and 40% depending on your household income and the age of the oldest person on your membership. See here for more info and to work out your rebate tier. If you have a Lifetime Health Cover loading, your rates will also be different. See here for more info.

 


 

Full Product Info

Click on the links below to download a full description of your level of cover.

 

Other Important Info

There are some important things you need to know about your cover. Please click on the links below to read more.