Family Care

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.

We make family health cover easier

These days, our children stay financially dependant for much longer, perhaps saving for their own home, or working towards regular employment.

For just a little extra, you can maintain quality health cover for all your family on one membership. Family Care covers you and all your children up to their 25th birthday providing they are not married or living in a de facto relationship.

You and your family can have the security of our best hospital cover, or reduce the cost by accepting a co-payment option. And of course, you can combine any Family Care hospital cover with one of the Family Care extras options (described below), to complete your health cover plan.

Family Care, your family's health cover solution even when -

• Your children are no longer full time students
• They are living away from home
• They have their own income

Our very best family private hospital cover, for security and peace of mind.

Family Care K3
No excess - 30% Rebate rates - effective 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
K3	$53.75	$107.50	$232.95	$691.86	$1,369.76	$2,683.65

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 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
K3	$52.66	$105.32	$228.29	$684.88	$1,369.76	$2,683.65

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 7 April 2008

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 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
K1	$39.95	$79.90	$173.18	$514.37	$1,018.40	$1,995.28
K2	$46.25	$92.50	$200.48	$595.45	$1,178.92	$2,309.76

Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.

Family Care Top Hospital with MemberShare (K1 or K2)

You enjoy all the benfits of Family Care Top Hospital (K3), but save on the cost by selecting a co-payment if you go to hospital. These options provide great value.

Family Care Top Hospital with MemberShare - How it works

A co-payment is a relatively small amount that you pay each day you stay in a private hospital, each time you or anyone covered by your membership is admitted. However, there is a safety net; the co-payment only applies to the first 7 days of any admission, no matter how long you stay in hospital.

MemberShare (K2)
$40 daily co-payment, maximum $280 each admission,

MemberShare (K1)
$70 daily co-payment, maximum $490 each admission.

Regardless of which option you choose, the co-payment is just $30 for a same day admission. The daily co-payment does not apply to public hospital admissions.

Private or shared room
In a private or a public hospital, it's your choice; just let the hospital know when you make the booking. Private rooms are subject to availability on admission

Accommodation charges
Covers your room, theatre, intensive care, labour and recovery ward fees, medicines and drugs required as part of your hospital treatment

365 days accommodation cover
For admissions longer than 35 consecutive days, your cover continues when your doctor provides an Ongoing Acute Care Certificate

Day procedures
These now account for more than half of all hospital treatment, such as knee arthroscopies, chemotherapy and cataract surgery

Surgically implanted prostheses
All prostheses listed on the Commonwealth Prostheses Schedule are covered

Major surgery
Coronary/heart procedures, joint replacement, cataract surgery are just some of the major procedures covered

Obstetrics related services
In-patient services directly related to childbirth such as antenatal services, complications of pregnancy, delivery itself and post natal care

Assisted reproductive services
Various treatments available to assist conception, such as IVF and GIFT

Psychiatric care
In-hospital treatment and prevention of mental disorders

Rehabilitation
Treatment to restore self-sufficiency following an illness or injury usually in specialist centres and hospitals

Home nursing in lieu of hospital care
With medical approval, a qualified nurse provides medical services and care such as changing dressings. Up to $50 a day, for 10 days

Private midwife at a hospital birth
Services of a qualified private midwife instead of an obstetrician. Up to $450 per hospital birth

Your personal comforts
The cost of local phone calls and TV hire are included at participating hospitals

Cell Saver and autologous blood collections
Procedures that use your own blood during operations

Elective surgery
Limited benefits may apply, call Latrobe for details if you need this treatment

In-hospital medical gap cover
Medicare rebates 75% of the Medicare Schedule Fee for in- hospital medical charges, and Latrobe rebates the remaining 25%

Just Ask!
No gap, or known gap cover for in-hospital medical charges higher than the Medicare Schedule Fee

Click here to download application form

Click here to view list of participating hospitals

Gold Extras is the perfect choice if you want the very best extras cover available. It includes a very wide range of services, and the rebates are much higher than usual. Generous benefits mean you may even be fully covered for the cost of the service, so it's ideal for larger families, or those who need ongoing treatment.

Family Care Gold Extras can be taken on its own or combined with your hospital cover.

Click Here to see Family Care Gold Extras

Family Care Gold Extras PH
30% Rebate rates - effective 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
PH	$32.30	$64.65	$140.10	$416.20	$824.03	$1,614.42

If you are 65 or older you may be eligible for a higher rebate.

Family Care Gold Extras PH
30% Rebate rates including Direct Debit discount - effective 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
PH	$31.67	$63.35	$137.29	$411.99	$824.03	$1,614.42

If you are 65 or older you may be eligible for a higher rebate.

Family Care Extras (PK)

Family Care Extras covers all the most commonly used services, including general & major dental treatment and orthodontics, plus a large range of natural therapies as well as other services you may need less often.

Click Here to see Family Care Extras

Family Care Extras PK
30% Rebate rates - effective 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
PK	$15.95	$31.90	$69.15	$205.37	$406.62	$796.69

If you are 65 or older you may be eligible for a higher rebate.

Family Care Extras PK
30% Rebate rates including Direct Debit discount - effective 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
PK	$15.64	$31.28	$67.77	$203.31	$406.62	$796.69

If you are 65 or older you may be eligible for a higher rebate. Click here to download application form