Health Insurance Star Ratings
Package - Established Families
Included service Included service Restricted Restricted None None
* Combined limit applies
SUMMARY REPORT
Product Name Monthly Premium Hospital Cover Extras Cover
Excess Per Admission CoPayment Per Day Assisted Reproductive Cardiac Cataract Joint Replacement Non Medicare Obstetric Palliative Plastic Non Cosmetic Podiatric Psychiatric Rehabilitation Renal Dialysis Sterilisation General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic Podiatry Psychology Non PBS Pharmaceutical Acupuncture Naturopathy Remedial Massage Hearing Aids Blood Glucose Monitor
 
Peoplecare - Gold Plan $282.87 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Covered Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $2650 No Limit $2100 $300 $550/$1100 $435/$870*
 
HCF - TOP PLUS $450 EXCESS & SUPER MULTICOVER $284.50 $450 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2700* $2700* $440 $250 $600 $600
 
HCF - TOP PLUS $250 EXCESS & SUPER MULTICOVER $293.60 $250 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2700* $2700* $440 $250 $600 $600
 
HCF - Top Plus Nil Excess & Multicover $295.70 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2220* $2220* $440 $220 $600 $600
 
HCF - TOP PLUS $150 EXCESS & SUPER MULTICOVER $326.35 $150 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2700* $2700* $440 $250 $600 $600
 
HCF - Top Plus Nil Excess & Super Multicover $332.10 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2700* $2700* $440 $250 $600 $600
 
HCF - HOSPITAL ADVANCED SAVINGS $250 & MULTICOVER $189.20 $250 $0 Restricted Covered Restricted Restricted N/A Restricted Covered Covered Restricted Restricted Covered Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2220* $2220* $440 $220 $600 $600
 
CDH - Basic Hospital + Supplementary Cover (Family) $189.25 $0 $0 Covered Covered Covered Covered N/A Covered Covered N/A Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $700 No Limit $400/$1800 No Limit $700/$700 $400/$400*
 
Central West - Comprehensive Hospital and Top Extras $196.85 $0 $0 Covered Covered Covered Covered N/A Covered Covered N/A Covered Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $850* $850* $850* $850* $200 $800 $240
 
CDH - Top Hospital + Supplementary Cover (Family) $215.65 $0 $0 Covered Covered Covered Covered N/A Covered Covered N/A Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $700 No Limit $400/$1800 No Limit $700/$700 $400/$400*
 
HCF - TOP PLUS $450 EXCESS & MULTICOVER $248.10 $450 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2220* $2220* $440 $220 $600 $600
 
HCF - TOP PLUS $250 EXCESS & MULTICOVER $257.20 $250 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2220* $2220* $440 $220 $600 $600
 
HCF - TOP PLUS $150 EXCESS & MULTICOVER $289.95 $150 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2220* $2220* $440 $220 $600 $600
 
AHM - Top Hospital & Super Extras $319.10 $0 $0 Covered Covered Covered Covered Restricted Covered Covered Restricted Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $600/$600 $1100/$2750 $1000/$2500 $800/$2400 $250/$250 $900/$2250* $900/$2250*
 
Medibank Private - PremierPlus Packaged Cover $325.95 $0 $0 Covered Covered Covered Covered N/A Covered Covered N/A Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $2000* $400 $2000* $250 $700 $400*
 
Australian Unity - LifeChoice Plus with no excess (LPP) $376.10 $0 $0 Covered Covered Covered Covered Restricted Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $1500 $500 $1000 $300 $800* $800*
 
Westfund - Classic Silver - Family $174.05 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Covered Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $800* $0 $800* $0 $275 $1000* $1000*
 
HCF - HOSPITAL ADVANCED SAVINGS $450 & MULTICOVER $182.85 $450 $0 Restricted Covered Restricted Restricted N/A Restricted Covered Covered Restricted Restricted Covered Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2220* $2220* $440 $220 $600 $600
 
Westfund - Classic Gold - Family $222.60 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Covered Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $2600 No Limit No Limit $275 $1000* $1000*
 
HCF - HOSPITAL SAVINGS $250 EXCESS & MULTICOVER $248.70 $250 $0 Restricted Covered Restricted Restricted N/A Covered Covered Covered Restricted Covered Covered Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550 $2220* $2220* $440 $220 $600 $600
 
Medibank Private - AdvantagePlus Packaged Cover $259.60 $200 $0 Covered Covered Covered Covered N/A Covered Covered N/A Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $2000* $400 $2000* $250 $700 $400*
 
AHM - Top Hospital Level 5 & Super Extras $290.90 $0 $0 Covered Covered Covered Covered Restricted Covered Covered Restricted Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $600/$600 $1100/$2750 $1000/$2500 $800/$2400 $250/$250 $900/$2250* $900/$2250*
 
Australian Unity - LifeChoice with no excess (LCL) $307.30 $0 $0 Covered Covered Covered Covered Restricted Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $1200 $500 $500 $250 $600* $600*
 
HBA - Top Hospital Cover and Gold Extras $317.20 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $1100 No Limit $800 $240 $800 $600/$1200
 
NIB - Top Cover Nil Excess $331.84 $0 $0 Covered Covered Covered Covered N/A Covered Covered N/A Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $600/$2400 $1200/$4800* $1200/$4800* $350/$1400 $300/$1200 $550/$2200* $550/$2200*
 
Australian Unity - LifeChoice Plus with $250 excess (LPX) $335.75 $250 $0 Covered Covered Covered Covered Restricted Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $1500 $500 $1000 $300 $800* $800*
 
HBA - Ultimate Health Cover $381.15 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $800 No Limit $500 $280 $750 $500
 
Manchester Unity - Healthmate Ultimate $231.05 $250 $0 Covered Covered Restricted Restricted N/A Covered Covered N/A Restricted Covered Covered Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $400 $700 $400 $1800 $200 $700 $350
 
AHM - Top Hospital Level 8 & Super Extras $256.95 $0 $0 Covered Covered Covered Covered Restricted Covered Covered Restricted Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $600/$600 $1100/$2750 $1000/$2500 $800/$2400 $250/$250 $900/$2250* $900/$2250*
 
MBF - MBF ADVANTAGE HOSPITAL WITH CO-PAYMENT & MBF Classic Extras $260.30 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $300 $800* $800* $800* $225 $750* $750*
 
Australian Unity - LifeChoice with $250 excess (LCX) $266.35 $250 $0 Covered Covered Covered Covered Restricted Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $1200 $500 $500 $250 $600* $600*
 
Westfund - Classic Platinum - Family $286.90 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Covered Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $2600 No Limit No Limit $400 $1500* $1500*
 
NIB - Top Cover $250 Excess $299.14 $250 $0 Covered Covered Covered Covered N/A Covered Covered N/A Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $600/$2400 $1200/$4800* $1200/$4800* $350/$1400 $300/$1200 $550/$2200* $550/$2200*
 
MBF - MBF PREMIUM HOSPITAL & MBF Premium Extras $362.65 $0 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $300 $1000* $1000* $1000* $225 $750* $750*
 
Westfund - Value Saver Plus - Family $126.20 $500 $0 N/A Covered Covered Restricted N/A N/A Covered Covered Covered Restricted Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $800* $0 $800* $0 $125 $600* $600*
 
HCF - HOSPITAL ADVANCED SAVINGS $450 & GENERAL EXTRAS PLUS $140.65 $450 $0 Restricted Covered Restricted Restricted N/A Restricted Covered Covered Restricted Restricted Covered Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $400 $300* $300* $250 $180 $500* $500*
 
HCF - HOSPITAL ADVANCED SAVINGS $250 & GENERAL EXTRAS PLUS $147.00 $250 $0 Restricted Covered Restricted Restricted N/A Restricted Covered Covered Restricted Restricted Covered Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $400 $300* $300* $250 $180 $500* $500*
 
Westfund - Value First - Family $152.85 $0 $0 Covered Covered N/A N/A N/A N/A Covered Covered Covered Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $800* $0 $800* $0 $125 $600* $600*
 
Australian Unity - Smart Combination with $500 Excess (SJ) $167.70 $500 $0 N/A Covered Covered Covered Restricted Restricted Covered Covered Restricted Restricted Restricted Covered N/A
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $1200* $0 $1200* $0 $200 $500/$1000 $500/$1000
 
HBA - Hospital Saver Plus - Level 3 with Standard Extras $190.95 $300 $0 Covered Covered Restricted Restricted N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $400* $400* $400* $0 $150 $500* $500*
 
Peoplecare - Silver Plan $191.01 $500 $0 Covered Covered Covered Covered N/A Covered Covered Covered Covered Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $550* $0 $550* $0 $180 $350/$700 $350/$700*
 
MBF - MBF STANDARD HOSPITAL WITH EXCLUSIONS $500 EXCESS & MBF Everyday Extras $192.85 $500 $0 Covered Covered N/A N/A N/A Covered Covered Covered N/A Covered Covered N/A Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $300 $300* $300* $0 $185 $350* $350*
 
Australian Unity - Smart Combination with $250 Excess (SK) $193.80 $250 $0 N/A Covered Covered Covered Restricted Restricted Covered Covered Restricted Restricted Restricted Covered N/A
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $1200* $0 $1200* $0 $200 $500/$1000 $500/$1000
 
HBA - Hospital Saver Plus - Level 3 with Your Choice Extras $194.95 $300 $0 Covered Covered Restricted Restricted N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $700* $500 $700* $450 $180 $450 $500
 
Manchester Unity - Healthmate Advanced $199.25 $250 $0 Restricted Covered Restricted Restricted N/A Covered Covered N/A Restricted Restricted Covered Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $400 $600 $400 $1200 $180 $600 $350
 
HCF - HOSPITAL SAVINGS $250 EXCESS & GENERAL EXTRAS PLUS $206.50 $250 $0 Restricted Covered Restricted Restricted N/A Covered Covered Covered Restricted Covered Covered Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $400 $300* $300* $250 $180 $500* $500*
 
MBF - MBF STANDARD HOSPITAL WITH EXCLUSIONS $250 EXCESS & MBF Everyday Extras $206.60 $250 $0 Covered Covered N/A N/A N/A Covered Covered Covered N/A Covered Covered N/A Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $300 $300* $300* $0 $185 $350* $350*
 
HBA - Hospital Cover with Excess Bonus and Standard Extras $212.30 $300 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $400* $400* $400* $0 $150 $500* $500*
 
AHM - Essential Hospital Level 5 & Lifestyle Extras $212.65 $0 $0 Restricted Covered Covered Restricted Restricted Restricted Covered Restricted Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $500/$1000 $750/$1500 $600/$1200 $500/$1400 $180/$360 $900/$1500* $900/$1500*
 
HBA - Hospital Cover with Excess Bonus and Your Choice Extras $216.30 $300 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $700* $500 $700* $450 $180 $450 $500
 
AHM - Family Hospital Level 5 & Family Extras $221.40 $0 $0 Covered Covered Restricted Restricted Restricted Covered Covered Restricted Restricted Restricted Restricted Restricted Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $500/$1250 $750/$1750 $600/$1500 $600/$1800 $180/$450 $750/$1875* $750/$1875*
 
MBF - MBF ADVANTAGE HOSPITAL $500 EXCESS & MBF Classic Extras $233.85 $500 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $300 $800* $800* $800* $225 $750* $750*
 
Australian Unity - LifeChoice with $500 excess (LCJ) $245.05 $500 $0 Covered Covered Covered Covered Restricted Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy No Limit $1200 $500 $500 $250 $600* $600*
 
MBF - MBF ADVANTAGE HOSPITAL $250 EXCESS & MBF Classic Extras $253.50 $250 $0 Covered Covered Covered Covered N/A Covered Covered Covered Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $300 $800* $800* $800* $225 $750* $750*
 
NIB - Top Cover $500 Excess $261.52 $500 $0 Covered Covered Covered Covered N/A Covered Covered N/A Restricted Covered Covered Covered Covered
Limit of Covers General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic
Limit per person/Limit per policy $600/$2400 $1200/$4800* $1200/$4800* $350/$1400 $300/$1200 $550/$2200* $550/$2200*
 
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Report Date: September, 2009. (All information is correct as at September 2009) Health Insurance Star Ratings September 2009