Fit Packages Member Guide - GMHBA Health Insurance

Fit Packages
Fit Ultra Package
Fit Ultra Package gives you total
peace of mind with comprehensive
hospital and extras cover for the
everyday athlete.
We know that sport and fitness can be
physically demanding on the body, therefore,
Fit Ultra cover gives you great benefits on
services like preventative health assessments
and mouth guards.
Excess options
You can reduce your premium by
selecting one of the following calendar
year excess options:
Excess Options Table Level 1
Excess
Admission excess private
hospital overnight
Level 2
Excess
$250 $500
Fit Packages
Hospital inclusions 1
Admission excess public
hospital or day stay
$125 $250
✓ Hospital treatment, including
accommodation as a private patient
in a participating private # or public hospital
✓ Higher medical benefits for injuries more
likely to occur playing sport
✓ Increased medical gap cover (access to
increased benefits when treated by a
doctor or specialist if admitted to hospital)
see page 25 for details
✓ Private hospital accommodation # – single
room or shared room (where available)
✓ Delivery suite
✓ Intensive and coronary care
✓ Same day treatment
✓ Surgically implanted prostheses
(Government Prostheses List
group benefits) 2
Exclusions
Maximum annual excess
(per person)
Maximum annual excess
(single)
Maximum annual excess
(family)
Waived for dependants
under 21
$250 $500
$250 $500
$500 $1,000
Yes
For more information on excess please refer to page 44
of the Important Information section.
# Other private hospitals – fixed benefits are payable in
non-participating private hospitals (see page 46 for
more details).
Yes
For an everyday athlete, Fit Ultra pays
better benefits for injuries more likely to
occur when participating in sport and
fitness such as a knee arthroscope, knee
and shoulder reconstructions, and
fractures of hand, finger, wrist, ankle or
collarbone along with great benefits back
on physiotherapy.
Hospital
Please refer to the information on pages
10-11 for detailed hospital inclusions.
Extras
Fit Ultra Package provides benefits for
services listed in the chart on pages 26-31.
✗ Hospital treatment for which Medicare
pays no benefit, eg most cosmetic surgery
1. Limited benefits may apply to cosmetic surgury and high
cost drugs. Drugs purchased outside of the hospital are
not included.
Waiting periods
Please refer to the information on pages
49-50 regarding waiting periods and
pre-existing conditions.
2. Benefits are no higher than the No Gap Government
prescribed benefit.
Benefit limitation periods
A 24 month benefit limitation period
applies to the following services:
Psychiatric; Haemodialysis; Gastric
banding and all obesity surgeries
(see page 39 for more information).
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