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.
Rollover Benefit
Police Health’s new 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 new 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 20% higher than the calculated average, thus ensuring
the vast majority of members do receive a true 80% rebate. If your charges are more than 20% 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
per person
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)
$1,300 after 3 yrs
Lifetime limit $2,600
Dental
Service Limits
N/A
Examinations
and Scale & Clean
1
every 6 mths
Mouthguard
1
every 12 mths
Denture
replacement
1
every 3 years
Bleaching
$300 every 12 months
Optical
$320
$640
Spectacle lenses
80%
Contact
lenses
80%
Frames
up to $90
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 South Australia . 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 $12
per script
Note: While many medicines are covered, some are not - please refer to our special Pharmaceutical Benefits Brochure (114KB PDF file) for more information.
Chemist discounts
Police Health has an arrangement with National Pharmacies that gives Police Health members up to 20% off non PBS prescriptions and non-subsidised PBS prescriptions (this normally excludes prescriptions costing around $29.50) and 20% off all other over-the-counter items. You can take advantage of these discounts simply by showing your National Pharmacies card at any one of their 31 branches throughout South Australia
Easy Pharmaceutical claims
National Pharmacies make pharmaceutical claiming easy. When you have your prescriptions filled at any of their pharmacies, in most cases you’ll only have to pay $12 for prescriptions covered by our pharmaceutical benefits mentioned earlier. See our Pharmaceutical Benefits brochure (114KB PDF) for more detail.
Complementary Therapies (Aromatherapy, Homoeopathy, Myotherapy, Remedial Massage Therapy, Remedial Therapy, Chinese Herbal Medicine and Western Herbal Medicine)
$20 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
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.
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.
* 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 PCU Direct
$30.60
$21.40
$19.85
$18.35
Fortnightly Payroll
$31.40
$21.95
$20.40
$18.80
Quarterly
$204.85
$143.35
$133.15
$122.90
Half Yearly
$403.55
$282.45
$262.30
$242.10
Yearly
$794.65
$556.25
$516.50
$476.75
* 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.
To view or print
Police Health's Key Features Statement for this product, click here - (244KB PDF)
You
will need Adobe Acrobat Reader to view this file.
The reader can be downloaded for free from Adobe.
Over some connections,
large PDFs may take a while to download. During this time there may be little
or no indication of the file downloading. Please be patient, as this should
only take a few minutes.
If you are experiencing
difficulties downloading or viewing PDFs, our PDF
help pages will help you troubleshoot your problems.
