Member Guide - RACT

Detailed extras comparisonExtras services Waiting Periods Platinum Extras Gold Extras Silver Extras Bronze ExtrasPressure garments 36 12 monthsBenefit of up to 80% 80% 80%Maximum benefit per item $115 $115 $115Limit per person every 3 years $350 37 $350 37 $400 38Important note: The table opposite must be read along with thefootnotes below.36. Pressure garments – Are used for the treatment of burns,lymphodaema or for post-operative surgery up to 60 days fromhospital discharge. For benefits to be payable garments must besupplied through a private company or therapist in private practice.A doctor’s letter recommending the appliance must accompany eachclaim for benefits. We recommend you contact us for a benefitestimate to confirm the benefit payable.37. Pressure garments – The limit of $350 per person is availableeach calendar year for pressure garments.38. Pressure garments – The limit of $400 per person is availableevery 3 years. This limit includes combined benefits for orthopaedicappliances (approved by us) and pressure garments.39. Prostheses (non-surgical) – Prostheses include a range ofapproved non-surgically implanted prostheses (e.g. wigs). A doctor’sletter of recommendation must accompany each claim for benefits.We recommend you contact us for a benefit estimate to confirm thebenefit payable.40. Prostheses (non-surgical) – The limit of $400 per person is thebenefit available for prostheses each calendar year.41. Remedial massage – Benefits will be paid for 1 consultationand/or treatment per provider per day within the group ofphysiotherapy, myotherapy and remedial massage.42. Remedial massage – The annual limit of $600 per person/singlemembership and $900 per family membership each calendar yearincludes combined benefits for remedial massage, naturopathy,homeopathy and acupuncture.43. Remedial massage – The annual limit of $350 per person/singlemembership and $700 per family membership each calendar yearincludes combined benefits for remedial massage, naturopathy,homeopathy and acupuncture.44a. Sleep apnoea monitor – Benefits are limited to 1 monitor permembership every 3 years. A doctor’s letter of recommendation mustaccompany each claim for benefits. Up to 80% per monitor to amaximum of $650, combined limit for blood glucose monitor,nebuliser pump, TENS monitor and sleep apnoea monitor.44b. Sleep apnoea monitor – Benefits are limitedto 1 sleep apnoea monitor per membership every3 years. A doctor’s letter of recommendation must accompany eachclaim for benefits.45a. Tens monitor – Benefits are limited to 1 monitor permembership every 3 years. A doctor’s letter of recommendation mustaccompany each claim for benefits. Up to 80% per monitor to amaximum of $650, combined limit for blood glucose monitor,nebuliser pump, TENS monitor and sleep apnoea monitor.45b. TENS monitor – Benefits are limited to 1 TENS monitor permembership every 3 years. A doctor’s letter of recommendation mustaccompany each claim for benefits.46. Weight loss program – Benefit payable only when participationin a recognised weight loss program is recommended in writing by adoctor. See page 48 for more details.EXTRAS COVERProstheses (non-surgical) 39 12 monthsBenefit of up to 85% 85% 80% 80%Maximum benefit per item $300 $300 $300 $300Maximum benefit per person every 3 years $400 40 $400 40 $400 $400Psychology 2 monthsInitial visit 80% $54 $40Second visit 80% $54 $25Subsequent visit 80% $25 $25Group therapy initial visit 80% $27 $20Group therapy second visit 80% $27 $12.50Group therapy subsequent visit 80% $12.50 $12.50Annual limit per person/single membership each calendar year $500 $500 $350Annual limit per family membership each calendar year $800 $800 $600EXTRAS COVERRemedial massage 41 2 monthsInitial visit 80% $20Subsequent visit 80% $20Annual limit per person/single membership each calendar year $600 42 $350 43Annual limit per family membership each calendar year $900 42 $700 43Sleep apnoea monitor 12 monthsBenefit80% up to $650 perperson 44a $200 44b $200 44bSpeech therapy see eye therapy and speech therapy 2 monthsTENS monitor 12 monthsBenefitWeight loss program 462 months80% up to $650 perperson 45a $100 45b $100 45bBenefit on achieving 10% of start weight $100Benefit on achieving goal weight (within 24 mths) $100Lifetime benefit limit per policy $400All extras services must be provided by practitioners in private practice who are appropriately registered with recognised bodiesapproved 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 1 initial consultation per therapy type are available each calendar year.38 39