If you're looking for combined hospital and extras cover, Transport Health’s premade health cover packages could be for you.
Transport Health was initially founded as a restricted health fund for people in the transportation industry, but in 2014, it opened its doors to all Australians. Since then, it has become one of Australia’s most rapidly growing health funds, offering a wide range of hospital, extras and premade combined cover options.
What combined cover options does Transport Health offer?
Transport Health combined cover is more affordable than picking out both cover levels separately.
- Family by Design. This premade package combines Transport Health Top hospital and Top extras more affordably than getting each separately.
- Young Singles and Couples packages. This package is 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.
Young Singles and Couples cover
The mid-level hospital cover lets you get private hospital access for the more likely health issues while excluding some of the less likely situations in order to keep costs down.
- You are covered for these services in private hospitals.
- You are not covered and will need to attend public hospital as a public patient.
- You are covered as a private patient in a shared ward of a public hospital.
|Young Singles and Young Couples premade health cover - Hospital|
|Excess||$250, up to $500 per person per year|
|Government approved prostheses|
|Tonsil, adenoid and appendix removal|
|Kidney and gallstone removal|
|In-hospital wisdom teeth removal|
|Cancer related services|
|Spinal fusion and disc replacement|
|Cochlear implant surgery|
|Insulin pump treatments|
|All joint investigations and reconstructions|
|Dialysis for chronic renal failure|
|Gastric banding and obesity procedures|
|Assisted reproductive services|
|Pregnancy and birth related|
|Sterilisation, vasectomy and reversals|
|Psychiatric||Minimum public hospital benefits only|
|Palliative care||Minimum public hospital benefits only|
|Heart surgery and cardiac services||Minimum public hospital benefits only|
|All other Medicare services not excluded|
Young Singles and Couples extras cover
The Extras cover offered by these packages is generally equivalent to an enhanced basic level extras policy. It provides a wide range of flexible cover, especially dental, but with an extras limit that restricts the amount you are able to claim overall.
You get 70% back for all extras services and are only able to claim a total of $600 per person, per year, for all extras services under this policy.
|Check-ups||$300 per person, $600 per policy annual limit|
|Scale and clean||$300 per person, $600 per policy annual limit|
|Fluoride treatment||$300 per person, $600 per policy annual limit|
|X-ray||$300 per person, $600 per policy annual limit|
|Fillings||$300 per person, $600 per policy annual limit|
|Extractions||$300 per person, $600 per policy annual limit|
|Oral surgery, including wisdom teeth||$300 per person, $600 per policy annual limit|
|Endodontics||$300 per person, $600 per policy annual limit|
|Crowns and bridges||$300 per person, $600 per policy annual limit|
|Implants||$300 per person, $600 per policy annual limit|
|Veneers||$300 per person, $600 per policy annual limit|
|Periodontics||$300 per person, $600 per policy annual limit|
|Dentures||$300 per person, $600 per policy annual limit|
|Orthodontics||$300 per person, $600 per policy annual limit|
|Optical||$300 per person, $600 per policy annual limit|
|Physiotherapy||$300 per person, $600 per policy annual limit|
|Chiropractic||$300 per person, $600 per policy annual limit|
|Osteopathy||$300 per person, $600 per policy annual limit|
|Remedial massage||$300 per person, $600 per policy annual limit|
|Tai Chi, Pilates and yoga||$300 per person, $600 per policy annual limit|
|Travel vaccinations||$300 per person, $600 per policy annual limit|
Why should I consider Transport Health combined cover?
The Family by Design policy may be a more straightforward and cost-effective way of getting Top hospital and Top extras cover, but the Young Singles and Young Couples premade cover adds a few extras that aren’t available with Transport Health standalone policies.
The mid-level hospital cover offered by the premade Young Singles and Couples policies includes Access Gap cover, which can be a useful way of minimising out-of-pocket hospital expenses with participating providers. Where there is a gap, you will know how much it is ahead of time.
You are also able to claim for dental veneers and travel vaccinations, both of which may be very useful for a younger person or a couple without children. While travel vaccination cover is relatively easy to find with a range of providers, policies that cover dental veneers are much rarer.
As an added bonus, Transport Health members can also get 30% off QBE travel insurance policies. If you’re child-free, have few or no specific health needs and want to travel, Transport Health combined cover may be worth adding to your health insurance shortlist.
What limitations, waiting periods and exclusions should I know about?
By choosing a Young Singles or Young Couples combined Transport Health policy, you get the benefits of a modified extras policy that includes dental veneers and travel vaccinations. One of the main limitations is that it only comes with mid-level hospital cover. If value is your main priority, a basic hospital policy might be preferable.
The extras cover has an annual limit, and it only reimburses 70% of costs instead of a set amount. This means that when you use the full limit of your extras cover each year, you can claim $600 but you will still have paid $180 out of pocket.
Within the first six months of membership, or following expiration of the waiting period, you can only claim 50% of the annual benefit limits. After six months, you can claim the rest of the amount for the year. This restriction and the waiting periods are waived when you transfer to Transport Health from another health fund where you held equivalent cover and completed the applicable waiting periods.
Transport Health waiting periods are as follows:
- None. Accidents and ambulance
- 2 months. All services not otherwise specified
- 6 months. Optical
- 12 months. Major dental and all pre-existing conditions that require hospital treatment except psychiatric, rehabilitation and palliative care which only have a two-month waiting period
How can I pay my Transport Health premiums?
Health fund premiums are payable in advance for the upcoming period. You can choose to pay weekly, fortnightly or monthly, and can select payment options including:
- Direct debit. You can make regular direct debits from your account or credit card. You can also choose to direct debit quarterly, yearly or half yearly in addition to the usual options.
- Pay by phone. You can call 1300 806 808 to make a credit card payment over the phone.
- BPAY. You can use your financial institution's BPAY facility.
- Mail. You can make payments by cheque, money order or credit card. You cannot pay premiums by sending cash in the mail.
- Online. You can log in to the member’s area of the Transport Health website to make credit card payments.
How to make a claim with Transport Health
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.
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