Top 3 feature
- Good for making a simple, easy-to-understand choice.
- Good for young people looking for their first health insurance policy.
- Good for mix and matching hospital and extras to meet your needs.
Originally just for the transportation industry when established in 1888, Transport Health has been providing health cover for all Australians for five years. Their combined Hospitals and Extras Cover is great for young singles and couples making their first foray into the world of health insurance.
Transport Health offers mix and match combines policies, so you have the flexibility you need to pair the extras you like with the hospital cover you need.
Their provides one pre-packaged Hospital and Extras policy is Young Singles/Couples Combined Hospital Cover, for relatively young and healthy people without children. It offers mid-level hospital cover and includes Transport Health basic extras cover with useful added benefits.
Extras you'll be covered for include;
Hospital cover includes the following treatment;
For your hospital cover, either excess or a co-payment will apply for when you visit hospital.
Excess is only paid for your first visit to hospital in a year, and you can reduce your excess by paying a higher premium.
A co-payment is applicable to each hospital visit, and some of Transport Health's policies include a co-payment instead of excess. The daily co-payment figure must be paid for the duration of your stay in hospital.
For services that aren't entirely covered by Medicare and your private health provider, you may have to pay the gap. Transport Health have access to a large network of doctors and hospitals through their Gap Cover Scheme, who have agreed to their No Gap Scheme to bill Transport Health directly, with no cost to you.
When going to a Transport Health agreement hospital, the hospital will typically contact Transport Health directly to settle up, and you won't need to make a claim. However, you will need to pay the applicable $250 excess directly to the hospital following discharge.
Practitioners in hospitals may bill separately. When they choose to participate in the Access Gap scheme, the bill will be sent directly to Transport Health. When they do not, you can send a two-way claims form through Medicare.
To claim extras, you can generally just swipe your membership card where service providers have HICAPS facilities. For those that don't, you can send in a claims form instead, via email to firstname.lastname@example.org or in the post. You can also download the Transport Health Insurance App.
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