Police Health - SureCover Extras

SureCover Extras gives you an extensive range of all the most valued extra benefits you'll need. The detail in the following table demonstrates that, for the majority of extras services, Police Health will pay 80% of the cost of services provided by recognised providers.

The generous maximums shown here are calendar year allowances per person unless stated otherwise. On many of these annual limits we’ll actually give you up to 2 years in which to use them. We call this our Rollover Benefit.

Recognised Health Providers

Recognised health providers are those who are in private practice in Australia and recognised by Police Health.

We only pay benefits for services by these providers.

If you wish to ensure that your provider is covered by Police Health please contact us prior to treatment.

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Rollover Benefit

Police Health’s Rollover Benefit will see members able to carry unused portions of their extras cover into the next calendar year.

Effectively the Rollover Benefit scheme increases the maximum benefits you can claim in a year by giving you access to many unused maximums remaining from the previous year. Claims are always paid from the relevant annual maximum before accessing your Rollover Benefit.

The combined Rollover Benefit and the annual maximum are shown as the “Rollover Maximum” in the tables further down the page.

Click here for more information on the Rollover Benefit scheme.

NOTE - to provide equity for all members, the following claim restrictions may apply:

Limit to services

Limits may apply to some specific extras services relating to their frequency of use, or to the way they are combined with other services. However, this affects very few members because Police Health's restrictions are often far less onerous than those of many other funds. Contact us if you have any doubts.

80% benefits limit

Generally health funds have benefit limits for individual services based on what they see as their average charge. Police Health goes further, recognising charges up to 10% higher than the calculated average, thus ensuring the vast majority of members do receive a true 80% rebate. If your charges are more than 10% above Police Health’s average fee, the benefit you receive will be less than 80% of your cost.

Our 80% benefit applies to the net amount payable on any account, inclusive of any discounts the provider might be offering at the time.

Services covered	% covered	Annual Maximum	Rollover Maximum per person

General dental	80%	No limit	N/A
(this includes checkups, X-rays, simple extractions and fillings, and root canal)

Major dental	80%	$600 after 1 yr
(this includes crowns & dentures)		$1,200 after 2 yrs	$1,800
		$1,200 after 3 yrs	$2,400

Orthodontic	80%	$800 after 1 yr	N/A
(benefits apply to specialist orthodontists only)		$1,500 after 3 yrs
		Lifetime limit $3000

Dental Service Limits			N/A
Examinations and Scale & Clean		1 every 6 mths
Mouthguard		1 every 12 mths
Denture replacement		1 every 3 years

Optical		$320	$640
Spectacle lenses	80%
Contact lenses	80%
Frames	up to $100

Optical discounts Police Health has an arrangement with OPSM, Laubman & Pank and Budget Eyewear which gives SureCover Extras members 20% off all frames, lenses, contact lenses and treatments. You can take advantage of these discounts simply by showing your Police Health Card at any of theseoutlets throughout the Northern Territory. With 20% off and an 80% benefit, you can obtain lenses at no cost to you (subject to annual maximum). Also at these outlets, Police Health Members can also make substantial savings with special discounts on sunglasses. * Excludes Chanel & Bvlgari

Pharmaceutical
Available at any pharmacy.	up to $50	$500	$1,000
Excludes gov't subsidised PBS prescriptions.	after you pay the first $20 per script
Note: while many medicines are covered, some are not - please refer to our special Pharmaceutical Benefits Brochure (238KB PDF) for more information.

Chemist discounts
Police Health has made arrangements with selected pharmacies that give Police Health members 20% off all over-the-counter items, such as fragrances, cosmetics, health foods and non-prescription medications. You can take advantage of these discounts simply by showing your Police Health card at the following pharmacies: Mitchell Centre Better Health Pharmacy, Shop 4, Mitchell Centre, Darwin Night & Day Pharmacy, 266 Trower Road , Casuarina Palmerston Pharmacy, Shop 60-64 Palmerston Shopping Centre

Easy Pharmaceutical claims
These participating pharmacies make pharmaceutical claiming easy. When you have your prescriptions filled at any of these pharmacies, in most cases you’ll only have to pay $20 for prescriptions covered by our pharmaceutical benefits mentioned earlier. See our Pharmaceutical Benefits brochure (238KB PDF) for more detail.

Physiotherapy	80%	$750	$1,500
Chiropractic / Naturopathy / Acupuncture / Osteopathy / Complementary Therapies		$600 (combined)	$1,200 (combined)
Sub Limit - Complementary Therapies		$200 per person - $400 per family	N/A
Chiropractic / Naturopathy / Acupuncture / Osteopathy	80%
Complementary Therapies (Aromatherapy, Homoeopathy, Myotherapy, Remedial Massage Therapy, Remedial Therapy, Chinese Herbal Medicine and Western Herbal Medicine)	$25 per service
Click here for information on Complementary Therapies
Speech Therapy	80%	$750	$1,500
Occupational Therapy	80%	$500	$1,000
Eye Therapy	80%	$500	$1,000
Dietary	80%	$500	$1,000
Podiatry	80%	$600	$1,200
Psychology/Hypnotherapy	80%	$750	$1,500
Hearing Aids (doctor's referral required)	80%	$1,000 per 5 yrs	N/A
Ambulance (clinically required transport only)	100%	No limit	N/A
School Accident	100%	$500	N/A
(additional benefits applying to clinically required services resulting from an accident whilst at or travelling to or from school - some restrictions apply)
Nebulisers	80%	One unit per 3 yrs	N/A
(doctor's referral required)	up to $200	One unit per 3 yrs	N/A
Blood Glucose Monitors	80%	One unit per 3 yrs	N/A
(doctor's referral required)	up to $250
All the benefits shown here are payable only on Fund-recognised services.

Police Health Brochure

Further information is available in Police Health’s product brochure – Click Here (Download 1.2MB PDF)

Standard Information Statements

The Federal Government require all health funds to have available their Standard Information Statements. Click the links below to download the Standard Information Statement for this product.

Single SureCover Extras
http://www.privatehealth.gov.au/dynamic/download.ashx?id=SPE/I1/D0000S

Family & Couple SureCover Extras
http://www.privatehealth.gov.au/dynamic/download.ashx?id=SPE/I1/D0000F

For further information on the Standard Information Statements please click on the link provided. http://www.privatehealth.gov.au

Premiums for SureCover Extras - (effective 01/04/2011)

FAMILY (includes COUPLES & SINGLE PARENT FAMILIES) COVER
Payment Method	Without Rebate	30% Rebate (Under 65 yrs)*	35% Rebate (65-69 yrs)*	40% Rebate (Over 70 yrs)*
Fortnightly Direct Debit	$52.00	$36.40	$33.80	$31.20
Fortnightly Payroll	$53.40	$37.35	$34.70	$32.00
Quarterly	$348.30	$243.80	$226.35	$208.95
Half Yearly	$686.20	$480.30	$446.00	$411.70
Yearly	$1,351.40	$945.95	$878.40	$810.80
* Contribution rates available on lodging Federal Government Rebate application form with Police Health. For details on how to determine which level of rebate you are eligible for click here.

SINGLE COVER
Payment Method	Without Rebate	30% Rebate (Under 65 yrs)*	35% Rebate (65-69 yrs)*	40% Rebate (Over 70 yrs)*
Fortnightly Direct Debit	$26.00	$18.20	$16.90	$15.60
Fortnightly Payroll	$26.70	$18.65	$17.35	$16.00
Quarterly	$174.15	$121.90	$113.20	$104.45
Half Yearly	$343.10	$240.15	$223.00	$205.85
Yearly	$675.70	$472.95	$439.20	$405.40
* Contribution rates available on lodging Federal Government Rebate application form with Police Health. For details on how to determine which level of rebate you are eligible for click here.