Member Guide - RACT

Detailed extras comparisonEXTRAS COVERExtras services Waiting Periods Platinum Extras Gold Extras Silver Extras Bronze ExtrasOccupational therapy 2 monthsInitial visit 80% $54 $31 $312-10 subsequent visits 80% $25 $21 $21Further visits 80% $17 $17 $17Annual limit per person/single membership each calendar year $500 18 $500 18 $350 19 $350 20Annual limit per family membership each calendar year $800 18 $800 18 $600 19 $600 20Optical 21 6 monthsPrescription spectacles, contact lenses and frames – benefit of up to(Laser eye surgery claimable on Platinum Extras only)100% 100% 80% 80%Annual limit per person each calendar year $300 $250 $170 $170Orthopaedic appliances 22 12 monthsBenefit of up to 80% 80% 80% 80%Maximum benefit per item $115 $115 $115 $115Limit per person every 3 years $400 23 $400 23 $400 24 $400 25Orthopaedic appliance repairs 2 monthsAnnual limit per person each calendar year $40 $40 $40 $40Orthotic appliances (foot) 26 12 monthsImportant note: The table opposite must be read along with thefootnotes below.18. Occupational therapy – The annual limit of $500 per person/single membership and $800 per family membership each calendaryear only includes benefits for occupational therapy.19. Occupational therapy – The annual limit of $350 per person/single membership and $600 per family membership each calendaryear includes combined benefits for physiotherapy, myotherapy,occupational therapy and hydrotherapy.20. Occupational therapy – The annual limit of $350 per person/single membership and $600 per family membership each calendaryear includes combined benefits for physiotherapy, myotherapy,occupational therapy and hydrotherapy.21. Optical – Non-prescription sunglasses and repairs are excluded.22. Orthopaedic appliances (approved by us) – Must be custommade or approved by us. A doctor’s letter recommending theappliance must accompany each claim for benefits. Orthopaedicappliances attract benefits where the application of which hasresulted from, and is required immediately following the injury orsurgery to the injury necessitating the appliance, for purposes otherthan or additional to support. For an appliance to be custom made, aplaster cast or mould must be taken. Customising, heat moulding,trimming or adjusting an existing ‘off the shelf’ appliance does notinvolve this process and therefore does not constitute a custom madeappliance. There are some conditions, therefore we recommend youcall 13 27 22 for a benefit estimate to confirm the benefit payable.23. Orthopaedic appliances (approved by us) – The limit of $400per person is available each calendar year for orthopaedic appliances.24. Orthopaedic appliances (approved by us) – The limit of $400per person is available every 3 years. This limit includes combinedbenefits for orthopaedic appliances and pressure garments.25. Orthopaedic appliances (approved by us) – The limit of $400per person is available every 3 years for orthopaedic appliances.26. Orthotic appliances (foot) – Orthotic appliances must becustom made. For an orthosis to be custom made, a plaster cast ormould must be taken. Customising, heat moulding, trimming oradjusting an existing ‘off the shelf’ appliance does not involve thisprocess and therefore does not constitute a custom made appliance.27. Orthotic appliances (foot) – The annual limit of $400 per personeach calendar year includes combined benefits for podiatry visits,orthotic appliances (foot) and podiatric surgical procedures.EXTRAS COVERBenefit of up to 80% 80% 80%Maximum benefit per item $115 $115 $115Annual limit per person/single membership each calendar year $230 $230 $400 27Annual limit per family membership each calendar year $460 $460Osteopathy see Chiropractic / Osteopathy 2 monthsAll extras services must be provided by practitioners in private practice who are appropriately registered with recognisedbodies approved by us.We recommend you call 13 27 22 for a benefit estimate before commencing treatment to confirm the benefit payable.For services other than dental, benefits for initial consultation per therapy type are available each calendar year.34 35