Transport health - Family by Design (with Co-payment) - Packages

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Hospital Cover Plans

Extra Cover Plans

Combined Cover Plans

Family by Design (with Excess)

Family by Design (with Co-payment)

This plan combines Top Hospital with a Co-Payment and Top Extras, and is available to those with adult children aged between 21-25, who are no longer studying full time.

With this plan, you can have peace of mind that your adult children remain covered while they find their feet in the world.

By choosing a Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

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on your cover, you pay the $100 Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

more...

amount towards the cost of your overnight hospital treatment, thus allowing you to further reduce the premiums you pay. A Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

more...

of $100 applies per night to a maximum of $500 per person, per calendar year to a maximum of $1000 per family/couple/single parent membership.

Choose cover type:

From

a month for Extended Family

Rate is inclusive of the 30% Private Health Insurance Rebate, before the application of Lifetime Health Cover loading (where applicable).

summary

Advantages		Excludes
Comprehensive Hospital cover Hospital cover is a type of health insurance which covers a member for the cost of treatment in hospital, should they require it.The price of hospital more...		No Exclusions An excluded service is one on which benefits will not be paid by Transport Health.Transport Health does not pay benefits for hospital treatment of any more...
Enhanced Extras cover Extras cover is a form of health insurance which allows a member to claim back some or all of the cost of non-hospital treatment, such as dental, phys more...
Covers Adult dependant Persons are considered dependants of the contributor in the following instances:Unmarried children between the age of 21-25 and are not full- time stu more... s (21-25 years old)
Reduced premium through adding Co-payment Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita more...

Hospital

Include			NOT Covered
Emergency ambulance transportation Ambulance benefits are payable for recognised emergency ambulance transport. Ambulance transport is covered in full except in the following circumstan more...		Lap-band surgery	No Exclusions An excluded service is one on which benefits will not be paid by Transport Health.Transport Health does not pay benefits for hospital treatment of any more...
Accommodation private & shared room	1 Co-payment applies - see Details > Hospital	Palliative care
Operating theatre		Joint replacements
Same day surgery		Eye surgery (including cataract)
Intensive care		In hospital boarder accomodation
Access Gap When you are treated by your Doctor in hospital, Medicare pays 75% of the Government Schedule fee and Transport Health pays the remaini more... cover		CPAP CPAP stands for "Continuous Positive Airway Pressure". Benefits can only be claimed from either a hospital or extras table but not from both. Benefits more... machine
Pregnancy & birth-related services Pregnancy and related services includes, but is not limited to, antenatal and postnatal care and management of labour and delivery. more...		Psychiatric
Assisted reproductive services (IVF / GIFT Stands for in gamete intrafallopian transfer, which is when a mixture of sperm and eggs are placed directly into the fallopian tuves using laparoscopy more... and vasectomy)		Rehabilitation
Gynaecological treatment in hospital		Cardiac treatment and coronary care

Extras

Service	Benefit	Limit	Limit Type
Emergency ambulance transportation Ambulance benefits are payable for recognised emergency ambulance transport. Ambulance transport is covered in full except in the following circumstan more...	100% of fee charged	-
General dental "General" dental usually refers to preventative dentistry and the normal maintenance required to sustain oral and dental health.Usually this includes more...	60% of fee charged	$800 per person	per calendar year
Major dental Major dental refers to restorative and cosmetic dentistry, including crowns, bridges, implants etc. more...		$800 per person $1000 (after 3 years) $1200 (after 5 years)	per calendar year
Orthodontic Orthodontics is the specialty of dentistry that is concerned with the treatment of malocclusions (improper bites), which may be a result of tooth irre more...		$500 (2nd year) $850 (3rd-5th years) $1000 (6th year onwards)	$2500 lifetime maximum per person
Laser eye surgery	$300 per person $500 per person	after 3 years after 5 years	$500 lifetime maximum per person
Optical For members with Extras cover, optical benefits are available from all Optical retailers in private practice who are registered with Transport Health. more...	80% of fee charged	$300 per person	per calendar year
Physiotherapy Physiotherapy is a science-based healthcare profession which views movement as central to health and well-being. Physiotherapists aim to identify and more...	$42 initial consultation $32 subsequent	$850 per person $1700 per family	combined maximum per calendar year
Myotherapy
Chiropractic Chiropractic employs manipulation and adjustment of body structures, such as the spinal column, so that pressure on nerves coming from the spinal cord more...
Osteopathy A system of medicine based on the theory that disturbances in the musculoskeletal system affect other bodily parts, causing many disorders that can be more...
Podiatry The branch of medicine that deals with the diagnosis, treatment, and prevention of diseases of the human foot. more...
Naturopathy Naturopathic medicine integrates traditional natural therapeutics - including botanical medicine, clinical nutrition, homeopathy, acupuncture, traditi more...	$37 initial consultation $27 subsequent	$600 per person $1200 per family
Acupuncture Acupuncture is a family of procedures involving the stimulation of anatomical locations on or in the skin by a variety of techniques. The most thoroug more...
Remedial massage
Reflexology Reflexology is a therapeutic method of relieving pain by stimulating predefined pressure points on the feet and hands. This controlled pressure allevi more...
Bowen technique
Shiatsu Shiatsu is a manipulative therapy developed in Japan and incorporating techniques of anma (Japanese traditional massage), acupressure, stretching, and more...
Homeopathy
Western and chinese herbalism
Speech / eye and occupational therapy
Dietetics
Psychology	$70 initial consultation $50 subsequent	$550 per person $800 per family	per calendar year
Home surgical nursing	$22	$400 per person $800 per family
Orthotics	80% of the cost	$200 per person
Hearing aids	100% of fee charged	combined $1000 per person	combined $1000 maximum per person, per calendar year
Audiology	$32 initial consultation $22 subsequent	combined $1000 per person	combined $1000 maximum per person, per calendar year
Pharmacy	after deducting the PBS amount, up to $50 per non-PBS script	$400 per person $800 per family	per calendar year
Membership fees	$20 per person	single program: $200 per person $400 per family	per calendar year: $300 single $600 per family
Health First	70% of the cost	single program: $200 per person $400 per family	per calendar year: $300 single $600 per family
Emergency ambulance transportation Ambulance benefits are payable for recognised emergency ambulance transport. Ambulance transport is covered in full except in the following circumstan more...	80% of the cost	$200 per item	per calendar year: $400 per person $800 per family
Well-being pool (tai chi, pilates, yoga)	70% up to	$20 per visit	per calendar year: $300 single $600 per family

Details

Hospital benefits

Top Hospital Cover (with Co-Payment)

Top Hospital Cover with Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

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provides accommodation in a contracted private hospital together with theatre fees and other associated hospital costs. The Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

more...

of $100 is payable for overnight hospitalisation to a maximum of $500 per person. Single Parent Family and Family covers have a maximum Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

more...

of $1000 in any calendar year. The Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

more...

does not apply to day stays.

Medical

You are covered 100% up to the Medicare

Medicare is the Australian Government's universal health insurance scheme, which covers all eligible citizens and residents for hospital treatment in

more...

Benefits Schedule Fee for inpatient medical treatment. Where the doctor participates in our access gap cover, your out-of-pocket costs will be reduced or eliminated. You are also covered as a private patient in a public hospital.

Maximum benefits

In hospital boarder accommodation: $120 maximum benefit per calendar year.
CPAP
CPAP stands for "Continuous Positive Airway Pressure". Benefits can only be claimed from either a hospital or extras table but not from both. Benefits
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machine: $750 maximum benefit per person per calendar year.

Extras Cover

Eligible providers

Extras cover can be used to reclaim costs incurred for treatment by any provider registered to practice the disciplines listed above. For further improved rates and discounts, members can visit a Transport Health preferred provider.

Membership fees

Membership fees applies to registered organisations, eg Diabetes Australia.

Health First

Approved programs:

MRI scans
specialist skin testing
quit smoking programs
first aid courses
weight loss programs
stress management programs

1. Co-payment applies - see Details > Hospital

Family by Design (with Co-payment)

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

more...

on your cover, you pay the $100 Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

more...

amount towards the cost of your overnight hospital treatment, thus allowing you to further reduce the premiums you pay. A Co-payment

Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita

more...

of $100 applies per night to a maximum of $500 per person, per calendar year to a maximum of $1000 per family/couple/single parent membership.

I confirm that I understand the waiting periods, restrictions and service exclusions outlined above, and that I have read the standard terms and conditions.

* You must read the above information before continue.