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Top Hospital - Family Care
For families with single dependants from 18 until the age of 25 who are no longer full time students
Choosing the right cover
Before you start, it's essential that you understand the 'rules' that apply to private health cover. Because these rules affect all health cover options, you must read and retain all information provided in the Important Information page.
If you have any questions at all about what the terms and conditions mean or how they might affect you, please call us on 1300 362 155.
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K3 |
Top Hospital cover |
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K2 |
$40 daily co-payment -
maximum $280 per stay |
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K1 |
$70 daily co-payment -
maximum $490 per stay |
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An ideal package with Family Care extras |
What is covered in hospital?
You and your family can have the security of our Top Hospital cover explained on Page 7, with no excess or co-payment.
Family Care is your family’s hospital health cover solution when your children are no longer full time students. They may even be living away from home, or earning their own income.
For just a little extra, you can maintain quality health cover for all your family on 1 membership, including your children up to their 25th birthday (providing they are not married or living in a de facto relationship).
If you prefer, reduce the cost by choosing a co-payment option.
What is a co-payment?
The amount you pay towards the cost of each day of admission to a private hospital.
How does the co-payment work?
The co-payment only applies to the first 7 days of any admission, no matter how long you stay in hospital. You pay your chosen co-payment for each person covered by your membership.
Special benefits
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Regardless of whether you choose Family Care K2 or K1, the co-payment is only $30 for a day procedure.
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Co-payments do not apply to public hospital admissions.
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A cost effective alternative to health cover for your adult dependants.
Family Care K3
No excess - 30% Rebate rates - effective 1 April 2010
| Product | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | K3 | $59.12 | $118.24 | $256.19 | $760.98 | $1,506.61 | $2,951.73 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
Family Care K3
No excess - 30% Rebate rates including Direct Debit discount - effective 1 April 2010
| Product | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | K3 | $57.93 | $115.86 | $251.06 | $753.30 | $1,506.61 | $2,951.73 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
Family Care with MemberShare K1 & K2
With Co-payment - 30% Rebate rates including Direct Debit discount - effective 1 April 2010
| Product | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | K1 | $44.64 | $89.29 | $193.48 | $580.51 | $1,161.03 | $2,274.66 | | K2 | $51.53 | $103.07 | $223.35 | $670.12 | $1,340.24 | $2,625.79 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
Family Care with MemberShare K1 & K2
With Co-payment - 30% rebate rates - effective 1 April 2010
| Product | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | K1 | $45.55 | $91.10 | $197.43 | $586.42 | $1,161.03 | $2,274.66 | | K2 | $52.59 | $105.18 | $227.92 | $676.94 | $1,340.24 | $2,625.79 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
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What is covered in hospital |
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Private or shared room
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In a private or a public hospital, it’s your choice. Private rooms are subject to availability on admission.
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Accommodation charges
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Covers your room, theatre, intensive care, labour and recovery ward fees, medicines and drugs clinically required as part of your in-patient treatment.
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365 days accommodation cover
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For admissions longer than 35 consecutive days, your cover continues when your doctor provides an ongoing Acute Care Certificate.
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Day procedures
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These now account for more than half of all hospital treatment, such as knee arthroscopies, chemotherapy and cataract surgery.
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Surgically implanted prostheses
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All prostheses are covered in accordance with the Commonwealth Prostheses Listing.
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Major surgery
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Coronary/heart procedures, joint replacement, cataract surgery are just some of the major procedures covered.
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Obstetric related services
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In-patient services directly related to childbirth such as antenatal services, complications of pregnancy, delivery and post natal care.
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Assisted reproductive services
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Various treatments available to assist conception, such as IVF and GIFT.
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Psychiatric care
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In-hospital treatment and programs for mental disorders.
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Rehabilitation
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Treatment to restore self-sufficiency following an illness or injury usually in specialist centres and hospitals.
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Supported discharge
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The supported discharge program is designed to provide an alternative to inpatient bed days. This program provides a wide range of services that assist policy holders to be discharged from hospital to a safe and supported environment.
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Private midwife at a hospital birth
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Services of a qualified private midwife instead of an obstetrician. Up to $450 per hospital birth.
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Your personal comforts
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In participating private hospitals your cover includes the cost of local phone calls and TV hire.
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Autologous blood collections
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Enables the use of your own blood during operations.
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In-hospital medical gap cover
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Medicare rebates 75% of the Medicare Schedule Fee for in-hospital medical charges and Latrobe rebates the remaining 25%.
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Just Ask!®
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Additional medical benefits to reduce or eliminate the gap for in-hospital medical charges higher than the Medicare Schedule Fee.
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What is not fully covered in hospital |
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Treatment not covered by Medicare ie. procedures that do not have a benefit payable under the Medicare Benefit Schedule. Refer to non-Medicare covered treatments. Accommodation charges may not be fully covered in a non-participating private hospital
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