Peoplecare Hospital Cover Health Insurance

With four Hospital cover policies, Peoplecare make health insurance simple.

Not-for-profit mutual fund Peoplecare are loved by their members according to a 2018 member survey which found 96% are pretty happy. With their easy-to-understand four options of Hospital cover, Peoplecare aim to make health insurance straightforward for everyone.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.
Top 3 features
  1. Good for simple and affordable cover.
  2. Good for optical benefits.
  3. Beware of limits on some services.

What Peoplecare Hospital Cover policies are available?

Peoplecare provide four simple hospital cover policies to cover your needs. Plus they offer a choice of excess. The higher your excess, the less you pay in premiums. Check out what each policy offers:

ProductInclusions
Bronze
  • Rehabilitation
  • Hospital psychiatric services
  • Palliative care
  • Brain and nervous system
  • Eye (not cataracts)
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Bone, joint and muscle
  • Joint reconstructions
  • Kidney and bladder
  • Male reproductive system
  • Digestive system
  • Hernia and appendix
  • Gastrointestinal endoscopy
  • Gynaecology
  • Miscarriage and termination of pregnancy
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Pain management
  • Skin
  • Breast surgery (medically necessary)
  • Diabetes management (excluding insulin pumps)
  • Common services
  • Support services
  • Ambulance
SilverAll of the above, plus;

  • Heart and vascular system
  • Lung and chest
  • Blood
  • Back, neck and spine
  • Plastic and reconstructive surgery (medically necessary)
  • Dental surgery
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Implantation of hearing devices
Silver PlusAll of the above, plus;

  • Cataracts
  • Joint replacement
  • Dialysis for chronic kidney failure
  • Insulin pumps
  • Pain management with device
  • Sleep studies
GoldAll of the above.

Other benefits of Peoplecare Hospital Cover

Peoplecare offer a couple of attractive benefits with membership.

  • Optical discounts. Being a Peoplecare member gives you fantastic deals at our online optical shop, Peoplecare Eyes Online and a range of other eye care outlets around the country. At Peoplecare Eyes Online you can order your prescription contacts, glasses and sunglasses below retail prices.
  • Joining offer. If you join Peoplecare and buy a Hospital or combo policy, they'll give you a $100 gift card. Offer available for first-time, new members only.

How do the costs work?

Peoplecare does pay for;

  • Ambulance
  • In hospital in-patient costs like doctor's fees (including specialists, radiology and pathology), accommodation and theatre fees.
  • Public hospital charges if you're admitted as a private patient.
  • Private hospital charges if you're admitted as a private patient.

Benefits depend on your level of cover and any restrictions, exclusions or waiting periods you have. You may have to out-of-pocket costs for;

  • Outside hospital out-patient costs like GP and specialist fees, radiology and pathology (thought Medicare might help).
  • In hospital in-patient costs like doctor's fees (including specialists, radiology and pathology), accommodation and theatre fees.
  • Public hospital charges if you're admitted as a private patient.
  • Private hospital charges if you're admitted as a private patient.
  • Other services like dental, optical and physio.

Waiting periods and limitations

Waiting periods apply as follows:

  • 12 months: Obstetrics and pre-existing conditions except palliative care, rehabilitation and psychiatric
  • 2 months: Everything else, including pre-existing palliative care, rehabilitation and psychiatric
  • None: Ambulance and accident cover

Limits apply to most services.

How to make a claim

Hospitals usually check your cover before you're admitted (hospitals can check online 24x7, so you won't need to wait for business hours) and will let you know of anything you need to pay them up front. When you're discharged, the hospital will send the claim straight to Peoplecare, who will take care of it all for you and will let you know how much they've paid on your behalf.

For medical claims, your doctor should tell you about all of the costs of your treatment before you're admitted to hospital - Informed Financial Consent. Your doctor will usually send the claim straight to Peoplecare to take care of it for you, but if they don't, you will need to complete two Medicare forms (their claim form and their Two-way claim form) and send it to Medicare with your accounts.

Once Medicare pay their bit, Peoplecare will take care of their part. For assistance navigating Medicare, you can call Peoplecare's team of experts at any time on 1800 808 690.

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