StarterPak

StarterPak
Basic +

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* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in . Please note that our prices will increase from 1 April

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StarterPak Basic +

Get off to a good start

StarterPak (Basic Plus) combines a big range of Hospital and Extras services – without a big price tag.

 

Hospital Cover

Legend

Covered
Not Covered
Restricted

Scope of cover

Additional Information

StarterPak Extras

Services
Benefit
Yearly Limits
Periodic oral examination (012) - limit of 2 services, per person/year
$40
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Bitewing x-ray (022)
$30
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Removal of calculus (114) - limit of 2 services, per person/year
$70
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Topical application of remineralising agent (121) - limit of 2 services per year
$25
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Removal of tooth (311)
$90
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Filling: 1 surface metallic (511)
$63
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Filling: 3 surface metallic (513)
$109
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Filling: 1 surface adhesive restoration (531)
$80
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Filling: 3 surface adhesive restoration (533)
$115
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Services
Benefit
Yearly Limits
Removal of wisdom teeth requiring removal of bone (323)
$120
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Major Dental limit available for removal of wisdom teeth only.

Removal of wisdom teeth requiring removal of bone and tooth division (324)
$150
Benefits
Yearly Limit
Yearly Limit

$500 per person, $1,000 per family.

Major Dental limit available for removal of wisdom teeth only.

Services
Benefit
Yearly Limits
Frames
$100
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Single vision lens - pair
$95
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Bifocal lens - pair
$95
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Multifocal lens - pair
$95
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Contact lenses - rigid or soft
$165
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Contact lenses - disposable
$165
Benefits
Yearly Limit
Yearly Limit

$165 per person, $330 per family.

Services
Benefit
Yearly Limits
Acupuncture
$32
Benefits
Yearly Limit
Yearly Limit

$200 per person, $400 per family.

Benefits are for face-to-face consultation only. No benefits for remedies, medicines or food preparation.

Chinese herbal medicine
$32
Benefits
Yearly Limit
Yearly Limit

$200 per person, $400 per family.

Benefits are for face-to-face consultation only. No benefits for remedies, medicines or food preparation.

Myotherapy
$32
Benefits
Yearly Limit
Yearly Limit

$200 per person, $400 per family.

Benefits are for face-to-face consultation only. No benefits for remedies, medicines or food preparation.

Remedial massage
$32
Benefits
Yearly Limit
Yearly Limit

$200 per person, $400 per family.

Benefits are for face-to-face consultation only. No benefits for remedies, medicines or food preparation.

Services
Benefit
Yearly Limits
Chiropractic & Osteopathy - 1-4 visits
$40
Benefits
Yearly Limit
Yearly Limit

$400 per person / $800 per family. Sub-limits apply.

Chiropractic & Osteopathy - 5+ visits
$32
Benefits
Yearly Limit
Yearly Limit

$400 per person / $800 per family. Sub-limits apply.

Chiropractic & Osteopathy - group therapy
$20
Benefits
Yearly Limit
Yearly Limit

$400 per person / $800 per family. Sub-limits apply.

Physiotherapy - 1-4 visits
$40
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Chiropractic.

Physiotherapy - 5+ visits
$32
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Chiropractic.

$20
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Chiropractic.

Exercise physiology – Visits 1-4
$40
Benefits
Yearly Limits
Yearly Limits

Combined limit - see Chiropractic.

Exercise physiology – Visits 5+
$32
Benefits
Yearly Limits
Yearly Limits

Combined limit - see Chiropractic.

Exercise physiology – group therapy
$20
Benefits
Yearly Limits
Yearly Limits

Combined limit - see Chiropractic.

Services
Benefit
Yearly Limits
75%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

75%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

75%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

75%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

National Healthy Eating Activity and Lifestyle (HEAL) program
75%
Benefits
Yearly Limit
Yearly Limit

$150 per person, $300 per family.

For more information on programs and how to claim, click here.

Services
Benefit
Yearly Limits
$60
Benefits
Yearly Limit
Yearly Limit

$400 per person, $800 per family.

Excess

You won’t need to pay an excess with StarterPak.

Restricted services

It’s important to understand what it means when a service is listed as ‘restricted’. Here is an overview of what we’ll pay for and what you you’ll have to pay for if going to hospital for treatment for a service that’s restricted:

In a public hospital:

  • We pay – accommodation in a shared room (as long as the hospital doesn’t charge above the default rate set out by the Federal Government), and medical costs.
  • You pay – any excess (if applicable), and any gap if your hospital charges above the default rate.

In a private hospital:

  • We pay – accommodation in a shared room (at the default rate set out by the Federal Government), and medical costs.
  • You pay – any excess (if applicable) and the balance of accommodation costs, plus any theatre costs. This could be costly, so ensure the hospital provides you with the potential costs upfront.

Either way, the hospital should let you know about any out-of-pocket expenses you’ll need to pay. This is called informed financial consent.

Waiting Periods

Like all health funds, waiting periods may apply when you take out your cover. You may have to wait if:

  • You’re new to private health insurance
  • You increase your benefit limits or upgrade your cover to include things that weren’t covered before
  • You switch health funds and increase your cover to include things that weren’t covered before.
If you’ve cancelled your membership with another health fund, you’ll need to join us within 60 days to keep up your continuity of cover and not re-serve any applicable waiting periods.


Hospital Waiting Periods

Pre-existing conditions* 12 months
Psychiatric, rehabilitation and palliative care 2 months
All other hospital services 2 months
Emergency ambulance transport 1 day
Non-emergency ambulance transport 1 day

Extras Waiting Periods

Major dental 12 months
Optical, healthy lifestyle 6 months
All other services 2 months

Make sure you claim with a recognised provider

We can only pay benefits if you’ve taken up the service through a provider who’s recognised by Nurses & Midwives Health at the time. To find out if your provider’s one of them, just call us on 1300 344 000.