Fit Packages Member Guide - GMHBA Health Insurance
Fit Packages Member Guide - GMHBA Health Insurance
Fit Packages Member Guide - GMHBA Health Insurance
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<strong>Fit</strong> <strong>Packages</strong><br />
<strong>Fit</strong> Standard Package<br />
<strong>Fit</strong> Standard Package offers you cost<br />
effective hospital and great extras<br />
cover for active sports enthusiasts.<br />
We know that when you’re young, fit and<br />
healthy you feel invincible. That is why this<br />
cost effective cover has great benefits for<br />
unexpected things that may need attention<br />
such as dental and physiotherapy.<br />
As an active sports enthusiast, <strong>Fit</strong> Standard<br />
Package covers you for treatment as a private<br />
patient in a public hospital 1 (with some<br />
exclusions), plus cover as a private patient<br />
in a participating private hospital^ for<br />
selected services. #<br />
Excess options<br />
You can reduce your premium by<br />
selecting one of the following calendar<br />
year excess options:<br />
Excess Options Table Level 1<br />
Excess<br />
Admission excess private<br />
hospital overnight<br />
Admission excess public<br />
hospital or day stay<br />
Maximum annual excess<br />
(per person)<br />
Maximum annual excess<br />
(single)<br />
Level 2<br />
Excess<br />
$250 $500<br />
$250 $500<br />
$250 $500<br />
$250 $500<br />
<strong>Fit</strong> <strong>Packages</strong><br />
Hospital Exclusions<br />
You are not covered (exclusions) for:<br />
✗ Obstetrics<br />
✗ IVF and related services<br />
✗ Joint replacement<br />
✗ Cosmetic surgery<br />
✗ Cataract and corneal surgery<br />
✗ Haemodialysis<br />
✗ Gastric banding and all<br />
obesity surgeries<br />
✗ Cochlear ears<br />
Maximum annual excess<br />
(family)<br />
Waived for dependants<br />
under 21<br />
$500 $1,000<br />
No<br />
No<br />
For more information on excess please refer to page 44 of the<br />
Important Information section.<br />
1. Limited benefits may apply to high cost drugs. Drugs<br />
purchased outside of the hospital are not included.<br />
^ Other private hospitals – fixed benefits are payable in<br />
non-participating private hospitals (see page 46 for<br />
more details).<br />
Please note: benefits for a single room in a public hospital<br />
or treatment in a private hospital for non-listed selected<br />
services when using <strong>Fit</strong> Standard cover will result in<br />
significant out of pocket expenses. For further information<br />
please call us on 1300 446 422.<br />
Surgically implanted prostheses (Government Prostheses List<br />
group benefits): benefits are no higher than the No Gap<br />
Government prescribed benefit.<br />
# You are covered for the following<br />
selected services as a private patient<br />
in a participating private hospital:<br />
✓ Knee arthroscope<br />
✓ Knee reconstruction<br />
✓ Ankle reconstruction<br />
✓ Shoulder reconstruction or<br />
✓ Surgery to repair a fractured<br />
collarbone, fractured wrist,<br />
hand or finger<br />
Hospital<br />
Please refer to the information on pages<br />
10-11 for detailed hospital inclusions.<br />
Extras<br />
<strong>Fit</strong> Standard Package provides benefits for<br />
services listed in the chart on pages 26-31.<br />
Waiting periods<br />
Please refer to the information on pages<br />
49-50 regarding waiting periods and<br />
pre-existing conditions.<br />
20 21
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