|
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.
Close this window |
|
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:
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.
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
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)
|
$1,500 after 3 yrs |
| |
Lifetime limit $3,000 |
| |
| 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 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 these outlets throughout Tasmania. 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 (197KB PDF file) for more information. |
| |
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
|
80% |
$1,000 per 5 yrs |
N/A |
| (doctor's referral required) |
|
|
|
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. |
Police Health Brochure
Further information is available in Police Health’s product brochure – Click Here (Download 1.2MB PDF)
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.
Police Health TAS Benefits (Download PDF 832KB)
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.
Close this window |
|
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/T0000S
Family & Couple SureCover Extras
http://www.privatehealth.gov.au/dynamic/download.ashx?id=SPE/I1/T0000F
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 |
$60.20 |
$42.10 |
$39.10 |
$36.10 |
| Fortnightly Payroll |
$61.80 |
$43.25 |
$40.15 |
$37.05 |
| Quarterly |
$403.10 |
$282.15 |
$262.00 |
$241.85 |
| Half Yearly |
$794.10 |
$555.85 |
$516.15 |
$476.45 |
| Yearly |
$1,563.90 |
$1,094.70 |
$1,016.50 |
$938.30 |
| * 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 |
$30.10 |
$21.05 |
$19.55 |
$18.05 |
| Fortnightly Payroll |
$30.90 |
$21.60 |
$20.05 |
$18.50 |
| Quarterly |
$201.55 |
$141.05 |
$131.00 |
$120.90 |
| Half Yearly |
$397.05 |
$277.90 |
$258.05 |
$238.20 |
| Yearly |
$781.95 |
$547.35 |
$508.25 |
$469.15 |
| * 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. |
| |
|
 |
