Plan Comparison

Price Comparison

	Budget Visitor Cover	Basic Visitor Cover	Mid Visitor Cover	Top Visitor Cover	Executive Visitor Cover
Single Plan Cost per Annum	$852	$1092	$2100	$2880	$3492
Couple Plan Cost per Annum	$1704	$2184	$4200	$5760	$6984
Family Plan Cost per Annum	$1956	$2520	$4692	$6480	$7488

Benefits Comparison

Hospital Benefits for Sickness and Injury ∇
Public or private hospital in-patient (in-hospital) medical services - 100% of expenses
Public or private hospital accommodation (overnight and day-only, including theatre, intensive care, ward drugs) - 100% of expenses
Out-patient treatment following hospitalisation - 100% of expenses
Rehabilitation programmes following hospitalisation - 100% of expenses
Public hospital in-patient psychiatric ward - 100% of expenses
Public hospital in-patient palliative care - 100% of expenses
Pharmacy expenses provided as an in-patient (in-hospital) - 100% of expenses
Hospital emergency room visits (public or private hospital; leading to admission as an in-patient OR classified as a genuine emergency) - 100% of expenses
Non-emergency treatment in hospital emergency room (public or private hospital) - 100% of expenses
Surgically-implanted prostheses -100% of expenses

Medical Benefits for Sickness and Injury ∇
Full cover for out-patient medical services- 100% of expenses
Partial cover for out-patient medical services - 100% of MBS Fees*
Out-patient psychiatric services**
No out-patient medical services

Obstetrics Benefits ∇
Public hospital (in-patient) labour ward services** - 100% of expenses (No-outpatient services related to pregnancy for Budget, Basic and Mid Visitor Cover)
On a Couple or Family membership, full cover for public and private hospital in-patient and out-patient medical services related to pregnancy and newborn infants** - 100% of expenses
On a Couple or Family membership, partial cover for public and private hospital in-patient and out-patient medical services related to pregnancy and newborn infants** -100% of MBS Fees*

Extras Benefits ∇
Extras services (e.g. dental, optical, alternative therapies)** with rollover of un-used Extras Benefit limits from year to year
Extras services (e.g. dental, optical, alternative therapies)** without rollover of un-used Extras Benefit limits from year to year
Physiotherapy, osteopathy and chiropractic services**
Out-patient pharmacy (prescribed drugs)**

Other Plan Features ∇
Annual benefit limit of $1 million dollars, per person per annum
Road and air ambulance services - 100% of expenses
Medical repatriation to home country - 100% of expenses
Funeral costs - 100% of expenses
Health cover portability - recognition of insurance provided (including waiting periods served) by other Australian-based insurers
Membership eligibility checking service (financial consent) for hospital admissions (24/7)

Shaded benefits are those that address the minimum requirements specified by Department of Immigration and Citizenship
*Doctors generally charge more than the MBS Fees and will leave you with a "gap" or co-payment
**Annual limits and/or waiting periods apply

Which Plan Will Suit Me Best?

	Budget Visitor Cover	Basic Visitor Cover	Mid Visitor Cover	Top Visitor Cover	Executive Visitor Cover
I want to meet the Department of Immigration and Citizenship visa condition 8501 for subclass 457 visas and other 400-series working visas.
I just want the minimum level of cover required for my visa and nothing more (only in-hospital (in-patient) admissions) for sickness and injury
I want full cover for in-hospital (in-patient) admissions for sickness and injury ; and would also like some cover for other medical services (e.g. going to the doctor)
I want the highest level of benefits available for in-hospital and out-patient medical services for sickness and injury, and some extras (physiotherapy, etc), but do not want pregnancy benefits
I want the highest level of benefits available for in-hospital and out-patient medical services for sickness and injury, and would like some extras benefits and some cover for pregnancy
I want the highest level of hospital and medical benefits available, and some extras benefits, as well as full cover for pregnancy
I have a Reciprocal Medicare Card, but want Private Hospital Cover for sickness and injury

Please refer to the Schedules of Benefits/Policy Document for full details.
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Updated 10 May 2011