Benefits for Sickness & Injury	320 Plan	390 Plan	120 Plan	190 Plan
Single Plan Cost per Annum	$2,796	$1,992	$996	$792
Couple Plan Cost per Annum	$5,592	$3,984	$1,992	$1,584
Family Plan Cost per Annum	$5,988	$4,320	$2,064	$1,620
In-Patient (in-Hospital) Expenses for sickness & injury - 100% (More than or equal to the State & Territory health authority gazetted rates for ineligible patients)
Out-Patient treatment following hospitalisation
Cash in Hospital Benefit
Hospital Emergency Room
Rehabilitation Programmes following hospitalisation - 100%
100% Road & Air Ambulance Expenses
Medical Repatriation to Home Country - 100%
Funeral Expenses - 100%
Elective Surgery
Out-Patient Medical Expenses - 100%
Out-Patient Medical Expenses - 100% of Australian Health System Fees, also known as Medicare Benefits Schedule (MBS)Fees. Doctors generally charge more than the MBS Fees and will leave you with a "gap" or co-payment
Out-Patient Psychiatric
Out-Patient Physiotherapy / Osteopathy / Chiropractic
Out-Patient Pharmaceuticals (Prescribed Drugs)
Public In-Hospital (In-Patient) Labour Ward, Psychiatric Ward & Palliative Care Ward Expenses - 100% (More than or equal to the State & Territory health authority gazetted rates for ineligible patients)
100% Pregnancy Expenses - (Subject to a 12 month waiting period on a family 320 Plan)
Extras e.g. dental, optical
Benefit Limits comply with the Dept. of Immigration & Citizenship requirements (not less than $1 million dollars, per person per annum)
Which Plan will suit me ?	320 Plan	390 Plan	120 Plan	190 Plan
The highest level of Benefits available, including pregnancy (100% benefits Private Hospital & Out-Patient) & extras
The highest level of Benefits available, excluding pregnancy (100% benefits Private Hospital & Out-Patient) & extras
In-Hospital Benefits , Plus "Medicare" type benefits for Out-Patient Medical
Suitable Plans for Reciprocal Medicare Card Holders
Minimum level of Benefits to comply with Visa Condition 8501 for Subclass 457 & other 400 series visas.

Please refer to the Schedules of Benefits/Product Disclosure Statement (PDS) for full details.


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Updated 21st September 2009