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					Health




Are you HBA
     covered?
         hba.com.au
HBA has provided Australians with high quality health
insurance for more than 70 years. HBA is part of leading
health and care specialist BUPA, which looks after the
needs of more than eight million people worldwide.
 Health cover like no other
HBA gives you the security and protection you look for in private health
insurance. When it comes to choosing high-quality cover from a health
fund that understands your needs, you’ve got to be HBA covered.
 With HBA, depending on your level of cover, you get:
     Full cover for your hospital accommodation expenses
     within our network of Participating Hospitals
     Unemployment cover, where eligible
     Excess Bonuses, Cash Back options and Top-up Bonuses
     Higher benefits with Members First optical providers
     Special offers if you have a baby   NEW

 Plus, cover for your home, car and travel insurance needs – all with friendly, reliable and
 efficient service.
 HBA is one of Australia’s largest and most innovative health funds. We know
 health insurance and we’re here to make it easier and more valuable for you.
 You’ll find more details on our covers in this brochure. For more information you can
 call us on 131 243 or speak with our consultants at any HBA Sales Centre in Sydney –
 locations are listed on the back cover. We’re also available online and we have a number
 of helpful tools to take the guesswork out of health cover. Just go to hba.com.au.




 Effective Date 1 April 2006                                                                   3
    Contents

            Health Cover like no other              3
            About private health cover              5
            We’ve got you covered                   6
         Hospital cover
            Hospital cover with HBA                  8
            Choose your hospital cover              10
            Ultimate Health Cover                   12
            Top Hospital Cover                      16
            Hospital Cover with Excess Bonus Plus   17
            Hospital Cover with Excess Bonus        18
            Hospital Cover with Excess              19
            Hospital Saver Plus                     20
            Hospital Saver                          21
            Family Essentials Hospital Cover        22
            Young Couples Choice                    24
            Young Singles Choice                    25
            Young Singles Saver                     26
            Active Sports Saver                     28
         Extras cover
            Extras cover with HBA                   29
            Choose your extras cover                30
            Ultimate Health Cover – Extras Cover    32
            Premier Extras                          34
            General Extras                          36
            Your Choice Extras                      38
            Standard Extras                         40
            Active Sports Saver – Extras Cover      42
            Basic Extras                            43
            General Dental                          44
            Lifetime Health Cover                   45
            What it costs                           46
            Home, car and travel insurance          48
            Key Terms of Your Cover                 50
            How to join                             57

4
  About private health cover
  You and your family can benefit from             No Medicare Levy surcharge
  private health cover in a number of ways.        If you earn more than $50,000 a year (for
The choice is yours                                singles) or $100,000 a year (for families)*
                                                   and you don’t have private hospital cover,
  Hospital cover with HBA puts the power
                                                   you may have to pay the Medicare Levy
  in your hands. You choose your own
                                                   Surcharge. This is a 1% tax on top of the
  doctor or specialist, and where you are
                                                   1.5% Medicare Levy paid by all eligible
  treated. It helps you avoid waiting lists
                                                   taxpayers. Why not reduce the amount
  and gives you access to quality health
                                                   of tax you are paying and enjoy the
  care, whenever you need it.
                                                   benefits of private health cover with HBA?
Cover where Medicare doesn’t                       Depending on which cover you choose,
  Extras cover with HBA helps you with the         your premium could be the same as, or
  cost of services not covered by Medicare         even less than the surcharge itself. To
  such as dental, physiotherapy, optical           help you work it out, try our online rate
  and natural therapies, including massage         calculator at hba.com.au.
  and acupuncture.
                                                  * Increases by $1,500 per child after the first child.
Avoid the Lifetime Health Cover loading
  If you’re over 30, the sooner you take
  out private hospital cover, the smaller
  the loading you’ll pay on your premium
  under the Government’s Lifetime Health
  Cover scheme. See page 45 for more
  details or visit hba.com.au.
At least 30% off your premiums
  You can save at least 30% on your
  hospital and extras premiums with the
  Government rebate on health insurance.
  If you’re aged between 65 to 69, the
  rebate increases to 35%. And if you’re
  aged 70 or more, it is 40%. The rebate is
  available to all Australians who are eligible
  for Medicare and have private health
  insurance, and you can choose to have
  the rebate automatically deducted from
  your premiums, or claim it as a tax rebate.




                                                                                                          5
      We’ve got you covered
      HBA has a choice of flexible hospital, extras and packaged cover options. Our covers
      range from top level cover to basic covers for the essentials, and we cater for singles,
      couples and families.


     Want top level cover?                                                              See page
     Choose top cover for the highest       Ultimate Health Cover                       12 & 32
     protection, comprehensive hospital     Top Hospital Cover                            16
     cover and extras cover with            Hospital Cover with Excess Bonus Plus         17
     maximum benefits.                       Hospital Cover with Excess Bonus              18
                                            Hospital Cover with Excess                    19
                                            Premier Extras                                34
                                            General Extras                                36
     Want cover for the most commonly used services?                                    See page
     Choose these covers for the services   Hospital Saver Plus                           20
     you think you’re most likely to use
                                            Your Choice Extras                            38
     or need.
                                            Standard Extras                               40
     Don’t want to pay for things you’re unlikely to need?                              See page
     Choose these if you don’t want         Hospital Saver                                21
     to pay for things you think you’re     Family Essentials Hospital Cover              22
     unlikely to need at this stage of      Young Couples Choice                          24
     your life.                             Young Singles Choice                          25
                                            Young Singles Saver                           26
                                            Active Sports Saver                         28 & 42
                                            Basic Extras                                  43
                                            General Dental                                44



    Cover for all occasions
      HBA also provides attractive health plan options for businesses, overseas visitors and
      expatriates. For information, call 1800 649 406.




6
For details on all our cover options, call 131 243
or visit hba.com.au.



                                                     7
     Hospital cover with HBA
     We bring you high-quality hospital cover        hospital, up to the Government Schedule
     with a range of levels to suit. You get the     fee. (The Government Schedule fee is the
     security and peace of mind that comes           amount set by the Federal Government
     with private cover. And when you’re HBA         for each medical service covered by
     covered, we’ll also pay your premiums           Medicare).
     for you if you become unemployed.*
                                                     Medicare pays 75% of the Schedule
    What we cover                                    fee and HBA pays the remaining 25%.
                                                     If your specialist charges more than the
     We cover your hospital and medical
                                                     Schedule fee, there will be a ‘gap’ for
     expenses if you need to be admitted
                                                     you to pay, but our Ezyclaim system can
     to any Participating Hospital or public
     hospital in Australia.                          help eliminate or reduce the gap for you
                                                     (see below).
    Your hospital expenses
                                                   Ezyclaim - Covering the gap
     Hospital expenses are the hospital’s
     charges for in-hospital services, which         Ezyclaim is a direct billing system your
     include:                                        specialist can use to eliminate or reduce
                                                     the gap. An Ezyclaim specialist bills us
        Accommodation fees for overnight or          directly so in most cases you won’t
        same-day stays                               receive a bill, and you don’t incur any
        Operating theatre, intensive care and        out-of-pocket expenses. And if there is a
        labour ward fees                             gap, you will be told about the amount
        Supplied pharmaceuticals approved            before your treatment. No unwanted
        by the Pharmaceutical Benefits                surprises! Simply ask your specialist about
        Scheme provided as part of your              Ezyclaim or search online for one who
        hospital treatment. See page 53 for          uses Ezyclaim – just go to hba.com.au.
        more information
                                                   * Available on selected covers subject to eligibility.
        Allied services such as physiotherapy,       See page 52 for details.
        occupational therapy and dietetics
     You are also covered for surgically
     implanted Government-recognised No
     Gap prostheses. See page 53 for details.
    Your medical expenses
     Medical expenses are the fees charged
     by a doctor, surgeon, anaesthetist or
     other specialist for any treatment given
     to you in hospital. We cover you for
     the cost of any medical treatment in



8
                                                                            Hospital Cover




What’s not covered                             Exclusions

  While your hospital cover helps pay for       Some covers exclude specific services.
  a wide range of in-hospital services, it’s    This means you will not be covered for
  important you know there are occasions        that particular service while you are on
  when you will not be fully covered and        that level of cover.
  may incur large out-of-pocket expenses.      Services not covered by health funds
  For example:                                  There are a small number of private
At a non-participating hospital                 hospital services that are generally
  If you choose to be treated at a private      not covered under a health fund’s
  hospital that is not in our Participating     hospital cover – for example, outpatient
  Hospital network, you may incur               treatment, where you receive treatment
  out-of-pocket expenses. To get the most       at a private hospital, but are not actually
  value from your cover, we recommend           admitted to hospital.
  you use a Participating Hospital.             Please refer to the individual cover pages
During a Waiting Period                         and page 50 onwards for more details on
                                                any further restrictions that may apply.
  You will not receive benefits during
  a Waiting Period. Waiting Periods are
  outlined for each of our covers.




                                                                                              9
      Choose your hospital cover
      Here are our hospital covers at a glance. You can use this chart to compare the
      main features and benefits, along with any excesses, co-payments, Waiting Periods,
      restrictions or exclusions.

                                         Ultimate        Top Hospital    Hospital Cover       Hospital Cover      Hospital
                                        Health Cover        Cover         with Excess          with Excess       Cover with
                                                                          Bonus Plus             Bonus             Excess

                                         The very best    High level,     No excess for the   Lower premiums         Lower
                                         hospital and     excess-free   first three same day   & Excess Bonuses     premiums
                                        extras package       cover      treatments & a Cash    to reduce your       with an
                                                                            Back option             excess           excess

     Hospital Cover                     Full benefits     Full benefits   Full benefits          Full benefits       Full benefits
     (as outlined on page 8)


     Excess per year                    None             None           Up to $200 per        Up to $200 per     Up to $300
     (for hospital admissions and                                       admission, but no     admission          per
     same-day treatments) Capped at                                     excess on the first                       admission
     $500 for singles and $1000 for                                     three same day
     families each calendar year                                        treatments, per
                                                                        person

     Excess Bonus per year              n/a              n/a            $100 (can be          $100               n/a
     (cumulative)                                                       converted into Cash
                                                                        Back each year)

     Co-payment                         None             None           None                  None               None




     Gap Bonus per year                 $200             n/a            n/a                   n/a                n/a

     Unemployment cover                 Yes*             Yes*           No                    Yes*               Yes*
     for up to 12 months

     Waiting Periods
     Pre-existing ailments,             1 Year           1 Year         1 Year                1 Year             1 Year
     illnesses or conditions
     Pregnancy (childbirth)             1 Year           1 Year         1 Year                1 Year             1 Year

     Heart scan                         1 Year

     Laser Eye Correction surgery       3 Years

     Restricted Benefits may apply
     – refer to individual covers for
     more detail




10
                                                                                                           Hospital Cover




  Hospital             Hospital Saver           Family Essentials        Young Couples            Young Singles Saver/
 Saver Plus                                      Hospital Cover          Choice/Young              Active Sports Saver
                                                                         Singles Choice

Cover for most        A low-cost hospital       A unique cover for     Hospital and extras       Low-cost hospital and extras
commonly used       cover for young people     families on a budget    packages for young       package just for young people
  procedures                                                           couples and singles


Some restricted      Some restricted          Some restricted         Some excluded             Some restrictions apply†
benefits apply†       benefits apply†           benefits apply for       services and restricted
                                              adults†                 benefits apply†

From $0 to $500      Up to $500 per           None                    None                      None
per admission        admission




n/a                  n/a                      n/a                     n/a                       n/a



None                 None                     None                    $50 a day, up to a        On Young Singles Saver, you
                                                                      maximum of $250 per       pay $50 a day, capped at $250
                                                                      hospital admission,       per hospital stay, including
                                                                      including same-day        same-day treatment.
                                                                      treatment                 On Active Sports Saver, you
                                                                                                pay $100 a day capped at
                                                                                                $500 per hospital stay.

n/a                  n/a                      n/a                     n/a                       n/a

No                   No                       No                      No                        No




1 Year               1 Year                   1 Year                  1 Year                    1 Year

1 Year               1 Year                   1 Year                  Excluded service          1 Year




 †   For duration of this cover * Subject to eligibility




                                                                                                                                11
     Your health is your greatest asset and there’s nothing
     better than knowing you’re prepared if health problems
     arise. With Ultimate Health Cover you can rest assured
     that you have the very best in health cover from HBA.



12
                                                                          Packaged Option



 Ultimate Health Cover
 Ultimate Health Cover sets a new             24-hour medical advice line
 standard in health cover. Ultimate Health      As an Ultimate member, you can access
 cover from HBA is a unique combination         a non-emergency medical advice
 of quality hospital and extras cover with      line, staffed by medically qualified
 valuable benefits.                              professionals - 24 hours a day, seven
Ultimate Hospital Cover                         days a week. You can call toll-free from
                                                anywhere in Australia. You’ll speak to a
 You are 100% covered for all hospital
                                                registered nurse or medical co-ordinator
 expenses at all Participating Hospitals,
                                                who can assist with the support, advice
 and your medical expenses up to
                                                or information you need, and even
 the Government Schedule fee (as
                                                arrange a referral to a doctor if required.
 outlined on page 8). No excesses or
 co-payments apply.                             It’s reassuring to know that qualified help
                                                is only a phone call away, whenever you
Plus, these extra benefits:                      need it.
Unique $200 Gap Bonuses                       100% cover for heart screenings
 We give you a $200 Gap Bonus when              You have 100% cover for a heart screen
 you join and an additional $200 Gap            test from HBA-recognised providers.
 Bonus on 31 December every year                A waiting period applies. Please ask your
 you’re an Ultimate member.                     doctor for more details about this test.
 With HBA’s Ezyclaim system (see                CT Scanning is used to reveal the state
 page 8), you may not need to make              of the coronary arteries non-invasively
 a gap payment to cover your medical            – that is, without the use of keyhole
 expenses. But as an extra reassurance,         surgery techniques such as angiograms.
 should you have any ‘known gaps’ when        100% cover for laser eye surgery
 your specialist uses Ezyclaim, or for gaps
                                                You receive 100% cover for laser eye
 on emergency admission, you can use
                                                correction surgery by an HBA-recognised
 your Gap Bonuses to pay for these. This
                                                provider. A waiting period applies.
 benefit is unique to HBA and Ultimate
 Health Cover.                                100% refund on subscriptions
Unemployment cover                              You get a total refund on subscriptions
                                                to the Arthritis Foundation, Asthma
 Should you lose your job, we’ll pay your
                                                Foundation and Diabetes Australia.
 premiums for you, subject to eligibility.
 For full details and conditions about this
 benefit, see page 52.




                                                                                            13
Packaged Option

 Ultimate Extras Cover                            Baby Care
     Ultimate Health Cover gives you the           As part of our range of parent-friendly
     highest level of extras cover, with           benefits, you get two free books that
     generous benefits and annual Loyalty           are ideal before the baby arrives and
     Maximums for a comprehensive range            in their early years. See page 53 for
     of services.                                  conditions. N E W

     This includes 100% cover up to your          Waiting Periods
     annual Loyalty Maximums for:                  Initial waiting period
        General Dental up to $500 per              on extras                     2 months
        person per year, then fixed benefits         Pre-existing ailments,
        apply with no annual limits                illnesses or conditions       1 year
        Major Dental                               Pregnancy (childbirth)        1 year
        Orthodontics (includes a lifetime limit    Major dental, root fillings,
        per person)                                complex fillings,
        Standard Optical lenses, plus a 20%        orthodontics, dental sleep
        discount on frames at Members First        apnoea devices and selected
        optical providers                          health appliances           1 year
        100% cover for the first 10 standard        Heart scan (available once
        physiotherapy and chiropractic             every three years)            1 year
        services, then benefits of at least         Laser eye correction surgery 3 years
        80% apply
     Plus, cover for a wide range of other
     extras services listed on page 32 & 33.




                               The Ultimate in Health Cover
                               No excess or co–payment
                               $200 Gap Bonuses
                               Unemployment cover
                               24-hour medical advice line




14
To find out more go to hba.com.au or call
the Ultimate Health Cover line on 136 366.



                                             15
     Top Hospital Cover
     Take out Top Hospital Cover and you’ll     Plus, as part of our Baby Care range of
     be fully covered for your hospital         parent-friendly benefits, you receive two
     expenses at any private hospital in        free books that are ideal before the baby
     our extensive Participating Hospital       arrives and in the early years. N E W
     network, or public hospitals. No           For full details and conditions about
     excesses or co-payments apply.             these benefits, see page 50 onwards.
 Additional benefits                           Waiting Periods
     You also get:                              Pre-existing ailments,
        Unemployment cover – if you lose        illnesses or conditions       1 year
        your job, we’ll pay your premiums       Pregnancy (childbirth)        1 year
        for you, subject to eligibility
        Cover for travel and accommodation
        costs for an immediate family
        member of a critically ill member
        A 50% refund on a subscription to
        the Arthritis Foundation, Asthma
        Foundation and Diabetes Australia




                                  Top level cover
                                  No excess or co-payment
                                  Unemployment cover




16
                                                                         Hospital Cover



 Hospital Cover with
 Excess Bonus Plus
 This cover gives you top level hospital     Additional benefits
 cover (as outlined on page 8), with          You also get:
 no excess on the first three same-day
                                                 Cover for travel and accommodation
 hospital admissions per person. More
                                                 costs for an immediate family
 than half of all hospital admissions are
                                                 member of a critically ill member
 now same-day procedures.
                                                 A 50% refund on a subscription to
 You also get Excess Bonuses and a Cash          the Arthritis Foundation, Asthma
 Back option, which will help you save           Foundation and Diabetes Australia
 money and reward you for your loyalty.
                                                 Baby Care – a unique range of
Your excess                                      parent-friendly benefits, including
    Up to $200 for overnight or same-day         no excess on your child’s hospital
    hospital admissions, with no excess          admissions up to their third birthday.
    on the first three same-day hospital          And two free books that are ideal
    admissions per person                        before the baby arrives and in their
                                                 early years. N E W
    Capped at $500 for singles and
    $1,000 for families each calendar year    For full details and conditions about
                                              these benefits, see page 50 onwards.
Excess Bonus and Cash Back
 We give you $100 in Excess Bonuses          Waiting Periods
 each year. You can save these and            Pre-existing ailments,
 use them to pay for an excess. Or you        illnesses or conditions       1 year
 can choose to convert your bonuses           Pregnancy (childbirth)        1 year
 to $100 Cash Back each year. See
 page 52 for conditions.




                 High level cover
                 No excess on the first three same–day admissions
                 Excess Bonuses or $100 Cash Back




                                                                                          17
     Hospital Cover with
     Excess Bonus
     This option allows you to enjoy top level         Cover for travel and accommodation
     hospital cover (as outlined on page 8),           costs for an immediate family
     with a lower premium because you                  member of a critically ill member
     agree to pay an excess. Each year we              A 50% refund on a subscription to
     give you Excess Bonuses, which you can            the Arthritis Foundation, Asthma
     put towards the payment of your excess            Foundation and Diabetes Australia
     if you need hospital treatment. It’s a
                                                       Baby Care – a unique range of
     good deal.
                                                       parent-friendly benefits, including
 Your excess                                           no excess on your child’s hospital
        Up to $200 for overnight or same-day           admissions up to their third birthday.
        hospital admissions                            And two free books that are ideal
                                                       before the baby arrives and in their
        Capped at $500 for singles and
                                                       early years. N E W
        $1,000 for families each calendar year
                                                  For full details and conditions about
 Excess Bonus
                                                  these benefits, see page 50 onwards.
     We give you $100 in Excess Bonuses each
     year. You can save these and use them to    Waiting Periods
     pay for a full excess payment. Conditions    Pre-existing ailments,
     apply, see page 52 for more details.         illnesses or conditions        1 year
 Additional benefits                               Pregnancy (childbirth)         1 year
     You also get:
        Unemployment cover – if you lose
        your job, we’ll pay your premiums
        for you, subject to eligibility




                                   High level cover
                                   Excess Bonuses
                                   Unemployment cover




18
                                                                         Hospital Cover



 Hospital Cover with Excess
 With a $300 excess, you can reduce              Baby Care – a unique range of
 your premium and still enjoy all the            parent-friendly benefits, including
 benefits of high-level hospital cover.           no excess on your child’s hospital
 This is a medium priced cover, popular          admissions up to their third birthday.
 with singles, couples and families.             And two free books that are ideal
                                                 before the baby arrives and in their
Your excess
                                                 early years. N E W
    Up to $300 for overnight or
    same-day hospital admissions             For full details and conditions about
                                             these benefits, see page 50 onwards.
    Capped at $500 for singles
    and $1,000 for families each           Waiting Periods
    calendar year                            Pre-existing ailments,
Additional benefits                           illnesses or conditions       1 year
 You also get:                               Pregnancy (childbirth)        1 year
    Unemployment cover – if you lose
    your job, we’ll pay your premiums
    for you, subject to eligibility
    Cover for travel and accommodation
    costs for an immediate family
    member of a critically ill member




                             High level cover
                             Lower premiums with an excess
                             Unemployment cover




                                                                                      19
     Hospital Saver Plus
     This is a great choice if you want the             Additional benefits
     security of hospital cover (as outlined on          You also get:
     page 8), but don’t want to pay for full
                                                            Cover for travel and accommodation
     cover on services you don’t think you’ll
                                                            costs for an immediate family
     need until later in life. And, as a great
                                                            member of a critically ill member
     new feature on this cover, you now have
     a choice of excess options which can                For full details and conditions about this
     help reduce your premium.                           benefit, see page 53.

 Your Excess                                            Waiting Periods
     For overnight and same-day admissions,              Pre-existing ailments,
     your excess options are:                            illnesses or conditions        1 year

     Nil excess                     $0                   Pregnancy (childbirth)         1 year
     Level 2                      $200*                 Restricted Benefits
     Level 3                      $300*
                                                         For the duration of this cover you receive
     Level 4                      $400*
                                                         a lower level of benefit at an amount
     Level 5                      $500*
                                                         set by the Government, for hip or knee
 * Capped at $500 for singles and $1,000 for families    replacement and cataract surgery.
   each calendar year.




                     Medium level cover
                     Covers you for the most commonly used procedures
                     Popular choice for young couples and singles




20
                                                                           Hospital Cover



 Hospital Saver
Hospital Saver                                 Waiting Periods
 This is a basic level of cover suitable for    Pre-existing ailments,
 young people and those not wanting to          illnesses or conditions          1 year
 start a family just yet. With this cover,      Pregnancy (childbirth)           1 year
 you opt to pay an excess to receive
 hospital cover listed on page 8, for a        Restricted Benefits
 limited number of services you might           For the duration of this cover, you
 need at this stage in your life. In return     receive a lower level of benefit at an
 you enjoy lower premiums.                      amount set by the Government for:

 Hospital Saver is also the ideal option        All pregnancy-related services
 if you only want to avoid the Medicare         (including childbirth)
 Levy Surcharge.                                Heart or artery-related services

Your excess                                     Psychiatric

     Up to $500 for overnight or                Assisted reproductive services
     same-day hospital admissions               (including IVF)
                                                Hip or knee replacement
     Capped at $500 for singles
     and $1,000 for families each               Rehabilitation
     calendar year                              Cataract surgery




                             Low-cost cover
                             Great for young people
                             Ideal if you just want to avoid the
                              Medicare Levy Surcharge




                                                                                          21
     Family Essentials Hospital Cover
     This cover is for families who are               This is not adequate to cover private
     looking for an affordable health cover           hospital costs and is likely to result in
     solution. Your whole family has cover for        large out-of-pocket expenses. Theatre
     accidents. For all other procedures your         and labour ward fees in a private hospital
     children receive a medium level of cover,        are not covered.
     while you and your partner receive a
                                                      The following benefits are applicable
     more basic cover.
                                                      to both children and adults when
 Cover for accidents                                  hospitalised:
     If you or a family member are                   Your medical expenses
     admitted to hospital as a result of an
                                                      Cover for the cost of medical
     accident, you get full cover for the cost
                                                      treatment in hospital – by surgeons,
     of shared ward accommodation and
                                                      anaesthetists or other specialists –
     theatre fees, in all Participating Hospitals,
                                                      up to the Government Schedule fee.
     and public hospitals. See page 54 for
                                                      See page 8 for more information.
     more information.
                                                     Prostheses
 Cover for your children
                                                      Cover for surgically implanted
     If your children go to hospital for
                                                      Government-recognised prostheses
     treatment not relating to an accident,
                                                      whilst in hospital. In most cases, these
     they’ll receive full cover for shared
                                                      are classified by the Federal Government
     ward accommodation and theatre
                                                      as No Gap prostheses, and if you choose
     fees, in all Participating Hospitals and
                                                      one of these you will not have any
     public hospitals.
                                                      out-of-pocket expense. See page 53
 Cover for you and your partner                       for details.
     If you or your partner need hospital            Waiting Periods
     accommodation for treatment not
                                                      Pre-existing ailments,
     resulting from an accident, you’ll receive
                                                      illnesses or conditions       1 year
     the following:
                                                      Pregnancy (childbirth)        1 year
        In a public hospital – full cover for the
        cost of shared ward accommodation
        with your choice of doctor and full
        cover for same-day treatment
        In a private hospital – up to
        $316 each day for shared ward
        accommodation and a fixed benefit
        for same-day treatment




22
Great cover for families on a budget.
Contact us to find out more.



                                        23
                    Young
                               Co uples hoice
                                      C
     Young Couples Choice is a hospital             Set your Pulse racing
     and extras package created for young             This cover also includes membership to
     couples. To keep premiums low there are          HBA Pulse. With Pulse you can score great
     no pricey pregnancy-related benefits (see         giveaways, special discounts and more.
     ‘Exclusions’). And it costs less than taking
     out two Young Singles Choice covers.           Waiting Periods
                                                      Initial waiting period
 Hospital cover
                                                      on extras                        2 months
     You’ll both receive cover for your hospital
                                                      Pre-existing ailments,
     and medical expenses at all Participating
                                                      illnesses or conditions          1 year
     Hospitals and public hospitals in
                                                      Major dental, root fillings,
     Australia, as outlined on page 8, for
                                                      complex fillings and dental
     most treatments (co-payments apply).
                                                      sleep apnoea devices             1 year
 Your co-payment
                                                    Restricted Benefits
        $50 a day for overnight or same-day
        hospital admissions                           For the duration of this cover you receive
                                                      a lower level of benefit at an amount
        Capped at $250 for any one
                                                      set by the Government for Psychiatric
        hospital stay
                                                      services and Rehabilitation.
 Extras cover
                                                    Exclusions
     You get great benefits for:
                                                      For the duration of this cover you will not
        General and major dental                      receive cover for:
        Orthodontics (if as a result of an            All pregnancy-related services
        accident)                                     (including childbirth)
        Optical and Physiotherapy                     Assisted reproductive services
        Chiropractic and osteopathy                   (including IVF)
        Natural therapies, including                  Heart or artery-related services
        naturopathy, acupuncture, Chinese             Hip or knee replacement
        herbalism, homoeopathy, Western               Cataract surgery
        herbalism and massage
        Travel vaccines
     You also get a yearly Top-up Bonus to put          Great for young couples
     towards the cost of any out-of-pocket              $150 Top-up Bonus when
     expenses. So you can save even more on              you join
     extras services. It starts at $150 for the
                                                        Discounts and giveaways
     first calendar year and increases each
                                                         with Pulse
     year until it’s double that amount.


24
                                                                             Packaged Option
                 Young
                            S ingles hoice
                                    C
  With Young Singles Choice, you get a           Set your Pulse racing
  package of hospital and extras cover             Young Singles Choice also includes
  that’s made specifically with young               membership to HBA Pulse. With Pulse
  singles in mind.                                 you can score great giveaways, special
Hospital cover                                     discounts and more.
  Young Singles Choice gives you full            Waiting Periods
  cover for hospital costs at Participating        Initial waiting period
  Hospitals and public hospitals in                on extras                        2 months
  Australia as outlined on page 8, for most
                                                   Pre-existing ailments,
  treatments (co-payment applies).
                                                   illnesses or conditions          1 year
  To keep premiums low, some services
  are excluded, as listed under ‘Exclusions’.      Major dental, root fillings,
  If you don’t yet need these services, this       complex fillings and dental
  cover could be for you.                          sleep apnoea devices             1 year

Your co-payment                                  Restricted Benefits
     $50 a day for overnight or same-day           For the duration of this cover you will
     hospital admissions                           receive a lower level of benefit at an
                                                   amount set by the Government for
     Capped at $250 for any one
                                                   Psychiatric services and Rehabilitation.
     hospital stay
                                                 Exclusions
Extras cover
                                                   For the duration of this cover you will
  You get great benefits for:
                                                   not receive cover for:
     General and major dental
                                                   All pregnancy-related services
     Orthodontics (if as a result of an            (including childbirth)
     accident)
                                                   Assisted reproductive services
     Optical and Physiotherapy                     (including IVF)
     Chiropractic and osteopathy                   Heart or artery-related services
     Natural therapies, including                  Hip or knee replacement
     naturopathy, acupuncture, Chinese
                                                   Cataract surgery
     herbalism, homoeopathy, Western
     herbalism and massage
     Travel vaccines
  You also get a yearly Top-up Bonus to put         Great for young singles
  towards the cost of any out-of-pocket             $75 Top-up Bonus when you join
  expenses. So you can save even more
                                                    Discounts and giveaways
  on extras services. It starts at $75 for the
                                                     with Pulse
  first calendar year and increases each
  year until it’s double that amount.

                                                                                               25
                      Young
                                   s
                             SingleSaver
  Young Singles Saver is a remarkably           For other events, with your co-payment,
  inexpensive package of hospital and           you receive:
  extras cover, where you’re covered only          Cover with your choice of doctor in
  for what you’re likely to need or use.           a shared room in a public hospital.
  So it’s convenient and cost-effective too.
                                                   Minimum benefits for shared or
Hospital cover                                     single room accommodation in all
  With Young Singles Saver, you get                private hospitals and day centres.
  cover for your hospital expenses at              You receive up to $316 each day in
  all Participating Hospitals and public           private hospitals and up to $292 for
  hospitals in Australia, as outlined on           same-day treatment in a public or
  pages 8, for the following services              private hospital. Theatre and labour
  (co-payment applies):                            ward fees in a private hospital are
                                                   not covered. These benefits are not
     Accidentally sustained injuries               adequate to cover private hospital
     needing urgent medical attention              costs and are likely to result in large
     Knee operations (arthroscopy or               out-of-pocket expenses.
     meniscectomy)
                                               Your co-payment
     Appendicitis
                                                   $50 a day for overnight or same-day
     Removal of tonsils and adenoids               hospital admissions
     Dental surgery                                Capped at $250 for any one
     Minor gynaecological surgery                  hospital stay
     (not including laparoscopy surgery)
                                                                                  Packaged Option




Extras cover                                  Waiting Periods
  You get great benefits for                      Initial waiting period
     General and major dental                    on extras                                2 months
     Orthodontics (if as a result of an          Pre-existing ailments,
     accident)                                   illnesses or conditions                  1 year
     Optical                                     Pregnancy (childbirth)*                  1 year
     Physiotherapy                               Major dental, root fillings,
                                                 complex fillings and dental
     Chiropractic and osteopathy
                                                 sleep apnoea devices                     1 year
     Naturopathy
                                               * During the first year of your cover, you will not
     Acupuncture                                 receive cover for pregnancy related services (including
     Travel vaccines                             childbirth). After the 1 year Waiting Period is over, you
                                                 will receive cover for shared room accommodation
                                                 in a public hospital, or minimum benefits for shared
  You get a yearly Top-up Bonus to put           or single room accommodation in a private hospital.
  towards the cost of any out-of-pocket          Minimum benefits are not adequate to cover
                                                 private hospital costs and are likely to result in large
  expenses, so you can save even more on         out-of-pocket expenses.
  extras services. It starts at $50 for the
  first calendar year and increases each
  year until it’s double that amount.
Set your Pulse racing
  Young Singles Saver also includes
  membership to HBA Pulse. With Pulse
  you can score great giveaways, special
  discounts and more.




                        Great for young singles just starting out
                        $50 Top-up Bonus when you join
                        Discounts and giveaways with Pulse




                                                                                                        27
Packaged Option



     Active Sports Saver                                              NEW

     Active Sport Saver is a great package             and Orthodontics (if resulting from an
     of hospital and extras cover made                 accident), Physiotherapy, Chiropractic,
     especially for young, active people on a          Osteopathy, Natural Therapies, Podiatry,
     budget. Whether you’re into sport or just         Dietary and Mouth Guards (See page 42
     keeping fit, this health cover will keep you       for benefits paid).
     on the go.
                                                     Free ‘Get Active’ pack
 Hospital cover                                        When you join you score a ‘Get Active’
     With your co-payment, you get cover for           pack, full of fantastic offers and discounts
     all the services listed for Young Singles         valued at up to $340. You get a FREE:
     Saver, on page 26 under ‘Hospital Cover’.
                                                           Personal training session
     Please note, some sporting related injuries           Surfing or tennis lesson, or
     may be covered by sporting associations,              go-karting session
     in which case you will not receive a
                                                           Yoga or pilates class
     benefit from us. Please see page 51 for
     further information.                                  Round of golf
                                                           One night’s accommodation at one of
     For other events, with your co-payment,
                                                           many destinations around Australia
     you receive:
        Cover with your choice of doctor in a          Visit our website for conditions.
        shared room in a public hospital.            Waiting Periods
        Minimum benefits for shared or single           Initial Waiting Period
        room accommodation in all private              on Extras                             2 months
        hospitals and day centres. You receive         Pre-existing ailments,
        up to $316 each day in private hospitals       illnesses or conditions               1 year
        and up to $292 for same day treatment
                                                       Pregnancy (childbirth)*               1 year
        in a public or private hospital. Theatre
        and labour ward fees in a private              Root fillings, complex
        hospital are not covered. These benefits        fillings and dental sleep
        are not adequate to cover private              apnoea devices                        1 year
        hospital costs and are likely to result in
                                                     * See page 27 for details on cover for pregnancy.
        large out-of-pocket expenses.
 Your co-payment
                                                         Made for young, active people
        $100 a day for overnight or same-day
                                                          on a budget
        hospital admissions
                                                         Great package of hospital
        Capped at $500 per hospital stay
                                                          and extras
 Extras cover                                            Free ‘Get Active’ pack valued
     To help keep you in shape, you get great             at up to $340
     benefits for General Dental, Major Dental

28
                                                                                      Extras Cover



  Extras cover with HBA
  Extras cover helps you with the cost of      Ask us for details of providers in
  services not covered by Medicare, such       our Members First network or visit
  as dental, optical, physiotherapy and        hba.com.au.
  natural therapies.
                                             * Not available with any other offer. If a Members First
More from your membership                      optical provider conducts a promotional offer, you will
                                               receive a 20% discount on frames (when purchased
  Every year, for most extras services, we     with prescription lenses) or the promotional offer,
                                               whichever is higher. See in-store for details.
  increase your Loyalty Maximums (the
  annual amount you can claim) by 20%        Get your benefit back – instantly!
  until it’s double the amount of when you     Electronic claiming is the fastest way to
  joined. So the longer you’re with HBA,       get your extras benefit. Approximately
  the more you can claim each year.            20,000 dentists, physiotherapists,
Visible value on optical                       chiropractors, podiatrists and optical
                                               providers around Australia offer this
  Choose a Members First optical provider
                                               service. Just swipe your HBA membership
  and you get:
                                               card to claim your benefit on-the-spot,
     Higher benefits – at least 20% more        and you’ll only pay the balance of your
     than at non-network providers             bill. Remember to claim on-the-spot
     Larger annual limits                      where you see either of these signs:
     20% off frames*
     Between 60% - 100% back on the cost
     of standard lenses, depending on
     your level of cover
     On-the-spot claiming
  You can also increase your benefit on
  frames for prescription lenses by 50%
  (subject to your annual maximums) if
  you choose to buy frames every two or
  more calendar years.




                                                                                                    29
     Choose your extras cover
     You can get cover for a wide range of services with our extras covers, as shown in the
     chart below. For more details, turn to the relevant page, contact us for more details or
     visit hba.com.au.


                            Ultimate Health             Premier Extras             General Extras      Your
                                 Cover                   (higher benefits and                          Choice
                             (the very best hospital   annual maximums than                           Extras
                               and extras package)          General Extras)
                                                                                                    (Choice of four)



 See page                          12 & 32                       34                      36               38

 General Dental
                                       •                         •                       •                 •
 Mouthguards
                                       •                         •                       •                 •
 Major Dental
                                       •                         •                       •                 •
 Orthodontics
                                       •                         •                       •                 •
 Optical
                                       •                         •                       •                 •
 Physiotherapy
                                       •                         •                       •                 •
 Chiropractic &
 Osteopathy
                                       •                         •                       •                 •
 Naturopathy
                                       •                         •                       •                 •
 Natural Therapies
                                       •                         •                       •                 •
 Acupuncture
                                       •                         •                       •                 •
 Dietary
                                       •                         •                       •
 Psychology
                                       •                         •                       •
 Podiatry
                                       •                         •                       •
 Pharmacy
                                       •                         •                       •                 •
 Speech Therapy
                                       •                         •                       •                 •
 Eye Therapy
                                       •                         •                       •                 •
 Occupational Therapy
                                       •                         •                       •                 •
 Health Appliances
                                       •                         •                       •
 Travel & Accommodation
                                       •                         •
 * Refer to our ‘Health cover for young couples and singles’ brochure for full details
                                                                                         •

30
                                                                                                       Extras Cover




Young Couples                Young                  Active          Standard         Basic Extras      General
 Choice/Young                Singles              Sports Saver       Extras                            Dental
Singles Choice*              Saver*
 (hospital and extras       (hospital and
 packages for young      extras package for
       people)             young people)

     24 & 25                      26                28 & 42              40                43            44


         •                        •                     •                •                 •             •
         •                        •                     •                •                 •             •
         •                        •                     •
                                                     (result of
                                                   accident only)        •                 •
                                                                                        (result of
                                                                                      accident only)

         •
     (result of
   accident only)
                                  •
                              (result of
                            accident only)
                                                        •
                                                     (result of
                                                   accident only)
                                                                         •
                                                                      (result of
                                                                    accident only)
                                                                                           •
                                                                                        (result of
                                                                                      accident only)


         •                        •                                      •                 •
         •                        •                     •                •                 •
         •                        •                     •                •
         •                        •                     •                •
         •                                              •
         •                        •                     •
                                                        •
                                                        •



         •
(travel vaccines only)            •
                         (travel vaccines only)




                                                                                                                 31
      Ultimate Health Cover –
      Extras Cover
      Ultimate Health Cover is our premium packaged option. Along with hospital cover with
      no excesses or co-payments, Ultimate Health Cover gives you extras cover for an extensive
      range of services. You receive the highest level of benefits and Loyalty Maximums.
      For important information on extras cover and when you can claim please see page 51.


                                   Ultimate Health Cover - Extras Cover

                                                                                            Annual Loyalty Maximums
     Services covered
                                                                                                   per person
     General Dental     100% cover for the first $500 per person per year, then set                   Unlimited
                        benefits apply per item.

     Major Dental       100% cover up to your Loyalty Maximum. Includes crowns,             Yr 1    n/a      Yr 5 $1280
                        bridgework, precious restorations and dentures. Benefits for the     Yr 2 $800        Yr 6 $1440
                        replacement of dentures payable every 3 years.                      Yr 3 $960        Yr 7+ $1600
                                                                                            Yr 4 $1120

     Orthodontics       100% cover for the cost of treatment, up to your Loyalty            Yr 1    n/a       Yr 5 $800
                        Maximum.                                                            Yr 2 $500         Yr 6 $900
                                                                                            Yr 3 $600         Yr 7+ $1000
                                                                                            Yr 4 $700
                                                                                            Includes a lifetime limit of
                                                                                            $3,000 per person

     Optical            100% cover for standard lenses and standard disposable contacts     $350 for services by Members
                        at Members First optical providers. Set benefits apply for frames.   First optical providers
                        Limit of one pair of frames per calendar year.                      $280 for services by other
                        20% discount off frames at Members First optical providers          optical providers
                        (not with any other offer).

     Physiotherapy      100% for the first $250 per person per calendar year then set        Yr 1 $750        Yr 4 $1200
                        benefits apply.                                                      Yr 2 $900        Yr 5 $1350
                                                                                            Yr 3 $1050       Yr 6+ $1500

     Chiropractic /     100% for the first $250 per person per calendar year then set                Per person
     Osteopathy         benefits apply.                                                      Yr 1  $500      Yr 4 $800
                        Osteopathy                                                          Yr 2  $600      Yr 5 $900
                        Initial attendance                                  $51.20          Yr 3  $700      Yr 6+ $1000
                        Subsequent attendance                               $33.20                   Per family
                                                                                            Yr 1 $800       Yr 4 $1280
                                                                                            Yr 2 $960       Yr 5 $1440
                                                                                            Yr 3 $1120      Yr 6+ $1600

     Natural            Includes Acupuncture, Chinese Herbalism, Homoeopathy,               Yr 1 $500         Yr 4 $800
     Therapies          Massage, Naturopathy, Western Herbalism.                            Yr 2 $600         Yr 5 $900
                        Massage includes Bowen Technique, Kinesiology,                      Yr 3 $700         Yr 6+ $1000
                        Reflexology, Shiatsu and Therapeutic Massage.                        Includes sub-limits for massage
                        Initial Attendance (excluding massage)          $32.00              - you can claim up to $200 per
                        Subsequent attendance                           $24.00              person, $400 per family
                        Massage (per attendance)                        $24.00




32
                                                                                                 Packaged Option




                        Ultimate Health Cover - Extras Cover (continued)

                                                                                        Annual Loyalty Maximums
 Services covered
                                                                                               per person
 Pharmacy            Covers selected items. You pay a set amount, HBA refunds 100%      Yr 1 $750        Yr 4 $1200
                     of the balance up to $75 per script (See page 51 for more).        Yr 2 $900        Yr 5 $1350
                                                                                        Yr 3 $1050       Yr 6+ $1500

 Dietary             Initial attendance                                  $50.00         Yr 1   $500      Yr 4 $800
                     Subsequent attendance                               $25.00         Yr 2   $600      Yr 5 $900
                     Group attendance                                    $13.00         Yr 3   $700      Yr 6+ $1000

 Psychology          Initial attendance                                  $83.00         Yr 1   $500      Yr 4 $800
                     Subsequent attendance                               $78.00         Yr 2   $600      Yr 5 $900
                     Group attendance                                    $25.00         Yr 3   $700      Yr 6+ $1000

 Podiatry            Initial attendance                                  $34.00         Yr 1   $500      Yr 4 $800
                     Subsequent attendance                               $26.00         Yr 2   $600      Yr 5 $900
                                                                                        Yr 3   $700      Yr 6+ $1000

 Speech Therapy      Initial attendance                                  $75.00         Yr 1   $500      Yr 4 $800
                     Subsequent attendance                               $46.00         Yr 2   $600      Yr 5 $900
                     Group attendance                                    $20.00         Yr 3   $700      Yr 6+ $1000

 Eye Therapy         Initial attendance                                  $60.00         Yr 1   $500      Yr 4 $800
                     Subsequent attendance                               $40.00         Yr 2   $600      Yr 5 $900
                                                                                        Yr 3   $700      Yr 6+ $1000

 Occupational        Initial attendance                                  $56.00         Yr 1   $500      Yr 4 $800
 Therapy             Subsequent attendance                               $37.00         Yr 2   $600      Yr 5 $900
                     Group attendance                                    $13.00         Yr 3   $700      Yr 6+ $1000

 Health              Asthma pumps             85% of fee, 1 unit every 3 years          Up to sub-limits per item
 Appliances          Blood Glucose Monitors 85% of fee, 1 unit every 3 years
                     Defined Appliances*       $1000 per calendar year
                     Surgical Stockings       100%, up to $100 per calendar year
                     CPAP Devices             85% of fee, $1500 every 3 years
                     Hearing Aids             100% of fee, $850 every 3 years
                     (No benefits payable on hearing aids where subsidised elsewhere.)


* Defined Appliances include insoles, orthopaedic and corrective footwear, pressure garments, braces, artificial
  limbs. Limits apply per item. Call HBA on 136 366 for details.

Waiting Periods
 Initial Waiting Period                                                                                  2 months
 Pre-existing ailments, illnesses or conditions                                                          1 year
 Major dental, root fillings, complex fillings,
 orthodontics, dental sleep apnoea devices and selected health appliances                                1 year



                                                                                                                       33
      Premier Extras
      Premier Extras is top level cover. You’re covered for a wide range of services and you
      receive higher benefits and annual Loyalty Maximums compared with other levels of cover.
      For important information on extras cover and when you can claim please see page 51.


                                                      Premier Extras

                                                                                                  Annual Loyalty Maximums
     Services covered
                                                                                                         per person

     General Dental     Set benefits apply per item. For example:                                            Unlimited
                        Comprehensive oral exam                                   $32.00
                        Scale and Clean                                           $59.00

     Major Dental       Set benefits apply per item. Includes crowns, bridgework,                  Yr 1     n/a     Yr 5 $960
                        precious restorations and dentures. For example:                          Yr 2   $600      Yr 6 $1080
                        Full Crown                                    up to $750.00               Yr 3   $720      Yr 7+ $1200
                        Complete Denture                                    $845.00               Yr 4   $840

     Orthodontics       Set benefits apply per item.                                               Yr 1    n/a       Yr 5 $720
                                                                                                  Yr 2 $450         Yr 6 $810
                                                                                                  Yr 3 $540         Yr 7+ $900
                                                                                                  Yr 4 $630
                                                                                                  Includes a lifetime limit of
                                                                                                  $2,700 per person

     Optical            At least 80% cover for standard lenses and standard disposable            $320 for services by Members
                        contacts at Members First optical providers. Set benefits apply for        First optical providers
                        frames. Limit of one pair of frames per calendar year. 20% discount off   $280 for services by other
                        frames at Members First optical providers (not with any other offer).     optical providers

     Physiotherapy      Initial attendance                                        $38.50          Yr 1 $750        Yr 4 $1200
                        Subsequent attendance                                     $31.00          Yr 2 $900        Yr 5 $1350
                                                                                                  Yr 3 $1050       Yr 6+ $1500

     Chiropractic /     First 10 Consultations (per person per calendar year):                             Per person
     Osteopathy         Initial attendance                                  $40.00                Yr 1   $450      Yr 4 $720
                        Subsequent attendance                               $29.50                Yr 2   $540      Yr 5 $810
                        After 10 Consultations: 50% of applicable benefit applies                  Yr 3   $630      Yr 6+ $900
                        X-ray service per person per year                   $42.00                          Per family
                                                                                                  Yr 1   $600      Yr 4 $960
                                                                                                  Yr 2   $720      Yr 5 $1080
                                                                                                  Yr 3   $840      Yr 6+ $1200

     Natural            Including acupuncture, Chinese Herbalism, Homoeopathy,                    Yr 1   $450      Yr 4 $720
     Therapies          Massage, Naturopathy, Western Herbalism.                                  Yr 2   $540      Yr 5 $810
                        Massage includes Bowen Technique, Kinesiology, Reflexology,                Yr 3   $630      Yr 6+ $900
                        Shiatsu, and Therapeutic Massage.                                         Includes sub-limits for massage
                                                                                                  - you can claim up to $150 per
                                                                                                  person, $300 per family

     Pharmacy           Covers selected items. You pay a set amount, HBA refunds 100%             Yr 1 $750        Yr 4 $1200
                        of the balance up to $40 per script (See page 52 for more).               Yr 2 $900        Yr 5 $1350
                                                                                                  Yr 3 $1050       Yr 6+ $1500




34
                                                                                                      Extras Cover




                                        Premier Extras (continued)

                                                                                        Annual Loyalty Maximums
Services covered
                                                                                               per person

 Dietary             Initial attendance                                  $40.00         Yr 1   $400    Yr 4 $640
                     Subsequent attendance                               $24.00         Yr 2   $480    Yr 5 $720
                     Group attendance                                    $11.00         Yr 3   $560    Yr 6+ $800

 Psychology          Initial attendance                                  $60.00         Yr 1   $400    Yr 4 $640
                     Subsequent attendance                               $40.00         Yr 2   $480    Yr 5 $720
                     Group attendance                                    $11.00         Yr 3   $560    Yr 6+ $800

 Podiatry            Initial attendance                                  $32.00         Yr 1   $400    Yr 4 $640
                     Subsequent attendance                               $24.00         Yr 2   $480    Yr 5 $720
                                                                                        Yr 3   $560    Yr 6+ $800

 Speech              Initial attendance                                  $52.00         Yr 1   $400    Yr 4 $640
 Therapy             Subsequent attendance                               $28.00         Yr 2   $480    Yr 5 $720
                     Group attendance                                    $10.00         Yr 3   $560    Yr 6+ $800

 Eye Therapy         Initial attendance                                  $35.00         Yr 1   $400    Yr 4 $640
                     Subsequent attendance                               $30.00         Yr 2   $480    Yr 5 $720
                                                                                        Yr 3   $560    Yr 6+ $800

 Occupational        Initial attendance                                  $35.00         Yr 1   $400    Yr 4 $640
 Therapy             Subsequent attendance                               $30.00         Yr 2   $480    Yr 5 $720
                     Group attendance                                    $11.00         Yr 3   $560    Yr 6+ $800

 Health              Asthma pumps             80% of fee, $300 every 3 years            $1000
 Appliances          Blood Glucose Monitors 80% of fee, $300 every 3 years
                     Defined Appliances*       80% of fee, $500 per calendar year
                     Surgical Stockings       80% of fee, $100 per calendar year
                     CPAP Devices             80% of fee, $750 every 3 years
                     Hearing Aids             80% of fee, $850 every 3 years
                     (No benefits payable on hearing aids where subsidised elsewhere.)

 Travel and          Local and interstate travel and accommodation for essential
 Accommodation       medical treatment
 Expenses

* Defined Appliances include insoles, orthopaedic and corrective footwear, pressure garments, braces, artificial
  limbs. Limits apply per item.


Waiting Periods
 Initial Waiting Period                                                                                2 months
 Pre-existing ailments, illnesses or conditions                                                        1 year
 Major dental, root fillings, complex fillings, orthodontics, dental sleep
 apnoea devices and selected health appliances                                                         1 year




                                                                                                                    35
      General Extras
      General Extras gives you generous benefits for a wide range of services, from dental
      to physiotherapy to natural therapies such as massage and acupuncture.
      For important information on extras cover and when you can claim please see page 51.


                                                      General Extras

                                                                                         Annual Loyalty Maximums
     Services covered
                                                                                                per person

     General Dental     Set benefits apply per item. For example:                                    Unlimited
                        Comprehensive oral exam                             $24.00
                        Scale and Clean                                     $44.00

     Major Dental       Set benefits apply per item. Includes crowns, bridgework,         Yr 1     n/a     Yr 5 $640
                        precious restorations and dentures. For example:                 Yr 2   $400      Yr 6 $720
                        Full Crown                                    up to $555.00      Yr 3   $480      Yr 7+ $800
                        Complete Denture                                    $634.00      Yr 4   $560

     Orthodontics       Set benefits apply per item.                                      Yr 1    n/a       Yr 5 $640
                                                                                         Yr 2 $400         Yr 6 $720
                                                                                         Yr 3 $480         Yr 7+ $800
                                                                                         Yr 4 $560
                                                                                         Includes a lifetime limit of
                                                                                         $1,800 per person

     Optical            At least 60% cover for standard lenses and standard disposable   $220 for services by Members
                        contacts at Members First optical providers. Set benefits apply   First optical providers
                        for frames. Limit of one pair of frames per calendar year.       $180 for services by other
                        20% discount off frames at Members First optical providers       optical providers
                        (not with any other offer).

     Physiotherapy      Initial attendance                                  $30.00       Yr 1   $600      Yr 4 $960
                        Subsequent attendance                               $24.00       Yr 2   $720      Yr 5 $1080
                                                                                         Yr 3   $840      Yr 6+ $1200

     Natural            Including Acupuncture, Chinese Herbalism, Homoeopathy,           Yr 1   $400      Yr 4 $640
     Therapies          Massage, Naturopathy, Western Herbalism.                         Yr 2   $480      Yr 5 $720
                        Massage includes Bowen Technique, Kinesiology,                   Yr 3   $560      Yr 6+ $800
                        Reflexology, Shiatsu and Therapeutic Massage.                     Includes sub-limits for massage
                                                                                         - you can claim up to $100 per
                                                                                         person, $200 per family

     Chiropractic /     First 10 Consultations (per person per calendar year):                     Per person
     Osteopathy         Initial attendance                                  $31.50       Yr 1   $350      Yr 4 $560
                        Subsequent attendance                               $21.50       Yr 2   $420      Yr 5 $630
                        After 10 Consultations: 50% of applicable benefit applies         Yr 3   $490      Yr 6+ $700
                        X-ray service per person per year                   $40.00                 Per family
                                                                                         Yr 1   $500      Yr 4 $800
                                                                                         Yr 2   $600      Yr 5 $900
                                                                                         Yr 3   $700      Yr 6+ $1000

     Pharmacy           Covers selected items. You pay a set amount, HBA refunds 100%    Yr 1   $650      Yr 4 $1040
                        of the balance up to $40 per script (See page 52 for more).      Yr 2   $780      Yr 5 $1170
                                                                                         Yr 3   $910      Yr 6+ $1300




36
                                                                                                      Extras Cover




                                        General Extras (continued)

                                                                                        Annual Loyalty Maximums
Services covered
                                                                                               per person

 Dietary             Initial attendance                                  $23.00         Yr 1   $300    Yr 4 $480
                     Subsequent attendance                               $18.00         Yr 2   $360    Yr 5 $540
                     Group attendance                                     $6.00         Yr 3   $420    Yr 6+ $600

 Psychology          Initial attendance                                  $35.00         Yr 1   $300    Yr 4 $480
                     Subsequent attendance                               $30.00         Yr 2   $360    Yr 5 $540
                     Group attendance                                    $10.00         Yr 3   $420    Yr 6+ $600

 Podiatry            Per attendance                                      $22.00         Yr 1   $300    Yr 4 $480
                                                                                        Yr 2   $360    Yr 5 $540
                                                                                        Yr 3   $420    Yr 6+ $600

 Speech Therapy      Initial attendance                                  $30.00         Yr 1   $300    Yr 4 $480
                     Subsequent attendance                               $25.00         Yr 2   $360    Yr 5 $540
                     Group attendance                                    $10.00         Yr 3   $420    Yr 6+ $600

 Eye Therapy         Initial attendance                                  $30.00         Yr 1   $300    Yr 4 $480
                     Subsequent attendance                               $25.00         Yr 2   $360    Yr 5 $540
                                                                                        Yr 3   $420    Yr 6+ $600

 Occupational        Initial attendance                                  $30.00         Yr 1   $300    Yr 4 $480
 Therapy             Subsequent attendance                               $25.00         Yr 2   $360    Yr 5 $540
                     Group attendance                                    $10.00         Yr 3   $420    Yr 6+ $600

 Health              Asthma pumps             60% of fee, $200 every 3 years            $500
 Appliances          Blood Glucose Monitors 60% of fee, $200 every 3 years
                     Defined Appliances*       60% of fee, $300 per calendar year
                     Surgical Stockings       60% of fee, $100 per calendar year
                     CPAP Devices             60% of fee, $500 every 3 years
                     Hearing Aids             60% of fee, $500 every 3 years
                     (No benefits payable on hearing aids where subsidised elsewhere.)

 Travel and          Local and interstate travel and accommodation for
 Accommodation       essential medical treatment
 Expenses

* Defined Appliances include insoles, orthopaedic and corrective footwear, pressure garments, braces, artificial
  limbs. Limits apply per item.


Waiting Periods
 Initial Waiting Period                                                                                2 months
 Pre-existing ailments, illnesses or conditions                                                        1 year
 Major dental, root fillings, complex fillings, orthodontics, dental
 sleep apnoea devices and selected health appliances                                                   1 year




                                                                                                                    37
      Your Choice Extras
      Your Choice Extras gives you the freedom to choose the four health services you most
      want. You have the flexibility to change your four health services every 12 months.
      For example, if you’re an active person, physiotherapy, chiropractic, optical and natural
      therapies may be the health services that best suit your lifestyle. Choose your four
      health services from the list below.
      For more important information on extras cover and when you can claim please see
      page 51.


                                                Your Choice Extras

                                                                                             Annual Loyalty Maximums
     Services covered
                                                                                                    per person

     General Dental     Set benefits apply per item. For example:                              Yr 1   $700      Yr 4 $1120
                        Comprehensive oral exam                              $24.00           Yr 2   $840      Yr 5 $1260
                        Scale and Clean                                      $44.00           Yr 3   $980      Yr 6+ $1400

     Major Dental       Set benefits apply per item. Includes crowns, bridgework,              Yr 1     n/a     Yr 5 $800
                        precious restorations and dentures. For example:                      Yr 2   $500      Yr 6 $900
                        Full Crown                                    up to $555.00           Yr 3   $600      Yr 7+ $1000
                        Complete Denture                                    $634.00           Yr 4   $700

     Orthodontics       Set benefits apply per item.                                           Yr 1    n/a       Yr 5 $720
                                                                                              Yr 2 $450         Yr 6 $810
                                                                                              Yr 3 $540         Yr 7+ $900
                                                                                              Yr 4 $630
                                                                                              Includes a lifetime limit of
                                                                                              $1,300 per person

     Optical            At least 60% cover for standard lenses and standard disposable       $220 for services by Members
                        contacts at Members First optical providers. Set benefits apply for   First optical providers
                        frames. Limit of one pair of frames per calendar year.               $180 for services by other
                        20% discount off frames at Members First optical providers (not      optical providers
                        with any other offer).

     Physiotherapy      Initial attendance                                   $30.00           Yr 1   $450      Yr 4 $720
                        Subsequent attendance                                $24.00           Yr 2   $540      Yr 5 $810
                                                                                              Yr 3   $630      Yr 6+ $900

     Chiropractic /     First 10 Consultations (per person per calendar year):                         Per person
     Osteopathy         Initial attendance                                  $31.50            Yr 1   $350      Yr 4 $560
                        Subsequent attendance                               $21.50            Yr 2   $420      Yr 5 $630
                        After 10 Consultations: 50% of applicable benefit applies              Yr 3   $490      Yr 6+ $700
                        X-ray service per person per year                   $40.00                      Per family
                                                                                              Yr 1   $500      Yr 4 $800
                                                                                              Yr 2   $600      Yr 5 $900
                                                                                              Yr 3   $700      Yr 6+ $1000

     Natural            Including Acupuncture, Chinese Herbalism, Homoeopathy,                Yr 1   $500      Yr 4 $800
     Therapies          massage, Naturopathy, Western Herbalism.                              Yr 2   $600      Yr 5 $900
                        Massage includes Bowen Technique, Kinesiology, Reflexology,            Yr 3   $700      Yr 6+ $1000
                        Shiatsu and Therapeutic Massage.                                      Includes sub-limits for massage
                                                                                              - you can claim up to $100 per
                                                                                              person.




38
                                                                                                      Extras Cover




                                   Your Choice Extras (continued)

                                                                                        Annual Loyalty Maximums
Services covered
                                                                                               per person

 Pharmacy          Covers selected items. You pay a set amount, HBA refunds 100%        Yr 1   $300   Yr 4 $480
                   of the balance up to $40 per script. See page 52 for more details.   Yr 2   $360   Yr 5 $540
                                                                                        Yr 3   $420   Yr 6+ $600

 Speech/Eye/       Speech Therapy                                                       Yr 1   $400   Yr 4 $640
 Occupational      Initial attendance                                    $30.00         Yr 2   $480   Yr 5 $720
 Therapy           Subsequent attendance                                 $25.00         Yr 3   $560   Yr 6+ $800
                   Group attendance                                      $10.00
                   Eye Therapy
                   Initial attendance                                    $30.00
                   Subsequent attendance                                 $25.00
                   Occupational Therapy
                   Initial attendance                                    $30.00
                   Subsequent attendance                                 $25.00
                   Group attendance                                      $10.00



Waiting Periods
 Initial Waiting Period                                                                                2 months
 Pre-existing ailments, illnesses or conditions                                                        1 year
 Major dental, root fillings, complex fillings, orthodontics
 and dental sleep apnoea devices                                                                       1 year




                                                                                                                   39
      Standard Extras
      Standard Extras covers you for a range of the most commonly used services. For more
      important information on extras cover and when you can claim please see page 51.


                                                   Standard Extras

                                                                                            Annual Loyalty Maximums
     Services covered
                                                                                                   per person

     General Dental     Set benefits apply per item. For example:                             Yr 1   $400*      Yr 4 $640
                        Comprehensive oral exam                                $24.00        Yr 2   $480       Yr 5 $720
                        Scale and Clean                                        $44.00        Yr 3   $560       Yr 6+ $800
                                                                                             * Benefits for Major Dental
     Major Dental       Set benefits apply per item. Includes crowns, bridgework,               begin after the first year of
                        precious restorations and dentures. For example:                       membership
                        Full Crown                                    up to $555.00
                        Complete Denture                                    $634.00

     Orthodontics       If resulting from an accident occurring after joining this cover
                        and requiring immediate medical attention. Set benefits apply
                        per item.

     Optical            At least 60% cover for standard lenses and standard disposable       $180 for services by Members
                        contacts at Members First optical providers. Set benefits apply       First optical providers
                        for frames. Limit of one pair of frames per calendar year.           $150 for services by other
                        20% discount off frames at Members First optical providers (not      optical providers
                        with any other offer).

     Physiotherapy      Physiotherapy                                                                 Per person
     Chiropractic       Initial attendance                                  $30.00           Yr 1   $350      Yr 4 $560
     Osteopathy         Subsequent attendance                               $24.00           Yr 2   $420      Yr 5 $630
                        Chiropractic/Osteopathy                                              Yr 3   $490      Yr 6+ $700
     Naturopathy                                                                                       Per family
                        First 10 Consultations (per person per calendar year):
                                                                                             Yr 1   $500      Yr 4 $800
                        Initial attendance                                  $31.50           Yr 2   $600      Yr 5 $900
                        Subsequent attendance                               $21.50
                                                                                             Yr 3   $700      Yr 6+ $1000
                        After 10 Consultations: 50% of applicable benefit applies
                        X-ray service per person per year                   $40.00
                        Naturopathy
                        Per attendance                                      $16.00

     Mouthguards        As supplied by a registered HBA dentist or dental prosthetist.     $50 per person, per calendar year


 Waiting Periods
      Initial Waiting Period                                                                                   2 months
      Pre-existing ailments, illnesses or conditions                                                           1 year
      Major dental, root fillings, complex fillings and dental sleep apnoea devices                              1 year




40
Whether you’re a family, couple or single, HBA has
a health cover option for you. Try our online cover
selector at hba.com.au.



                                                      41
      Active Sports Saver – Extras Cover
      With Active Sports Saver, you’re also covered for popular services like physiotherapy,
      dental, podiatry and more. Just another way HBA helps keep you in good shape.
      For important information on extras cover and when you can claim, please see page 51.


                                                 Active Sports Saver

                                                                                                           Combined
     Services covered                                                                          Sub-limit    Annual
                                                                                                           Maximum
     General Dental     Fixed benefits apply per item. For example:                               $300       $1000
                        Comprehensive oral exam                                $24.00
                        Scale and Clean                                        $44.00
     Major Dental &     If resulting from an accident occurring after joining this cover and     $300
     Orthodontics       requiring immediate medical attention. Set benefits apply per item.

     Physiotherapy      Initial attendance                                     $30.00            $300
                        Subsequent attendance                                  $24.00
     Chiropractic /     First 10 Consultations (per person per calendar year):                   $300
     Osteopathy         Initial attendance                                     $31.50
                        Subsequent attendance                                  $21.50
                        After 10 Consultations: 50% of applicable benefit applies
                        X-ray service per person per year                      $40.00
     Natural            Per attendance (including Chinese Herbalism,                             $300
     Therapies          Homoeopathy and Western Herbalism                      $17.00
                        Acupuncture and Naturopathy
                        Per Attendance                                         $16.00
                        Massage (per attendance)                               $12.00
                        Includes Bowen Technique, Kinesiology,
                        Reflexology, Shiatsu, and Therapeutic Massage.
     Podiatry           Per attendance                                         $22.00            $300
                        Does not include cover for orthotics.
     Dietary            Initial attendance                                     $23.00            $300
                        Subsequent attendance                                  $18.00
                        Group attendance                                        $6.00
     Mouthguards        As supplied by a registered HBA dentist or dental prosthetist.           $300
                        $50 per person, per calendar year


 Waiting Periods
      Initial Waiting Period                                                                               2 months
      Pre-existing ailments, illnesses or conditions                                                       1 year
      Root fillings, complex fillings and dental sleep apnoea devices                                        1 year




42
                                                                                                       Extras Cover



 Basic Extras
 This is low-cost cover for the most essential services. For additional important
 information on extras cover and when you can claim please see page 51.



                                                  Basic Extras

                                                                                         Annual Loyalty Maximums
Services covered
                                                                                                per person
 General Dental      Set benefits apply per item. For example:                            Yr 1   $400    Yr 4 $640
                     Comprehensive oral exam                              $24.00         Yr 2   $480    Yr 5 $720
                     Scale and Clean                                      $44.00         Yr 3   $560    Yr 6+ $800
 Major Dental /      Set benefits apply per item. Includes crowns, bridgework,            Yr 1   $250    Yr 4 $400
 Orthodontics –      precious restorations and dentures. Limit of one set of dentures    Yr 2   $300    Yr 5 $450
                     every 3 years. Treatment is only covered if resulting from an       Yr 3   $350    Yr 6+ $500
 if resulting from   accident after joining this cover and requiring immediate medical
 an accident         attention.
 Optical             At least 60% cover for standard lenses and standard disposable      $150 for services by Members
                     contacts at Members First optical providers. Set benefits apply      First optical providers
                     for frames. Limit of one pair of frames per calendar year.          $120 for services by other
                     20% discount off frames at Members First optical providers (not     optical providers
                     with any other offer).
 Physiotherapy       Initial attendance                                   $30.00         Yr 1   $450    Yr 4 $720
                     Subsequent attendance                                $24.00         Yr 2   $540    Yr 5 $810
                                                                                         Yr 3   $630    Yr 6+ $900



Waiting Periods
 Initial Waiting Period                                                                                  2 months
 Pre-existing ailments, illnesses or conditions                                                          1 year
 Root fillings, complex fillings and dental sleep apnoea devices                                           1 year




                                                                                                                        43
Extras Cover



      General Dental
      General Dental gives you and your family cover for visits to the dentist. General Dental
      can only be taken with a hospital cover option (not including our packaged options).
      For additional important information on extras cover and when you can claim please see
      page 51.


                                                   General Dental

                                                                                        Annual Maximum
     Services covered
                                                                                          per person
     General Dental     100% of fee recognised by HBA for oral examination only, one         $400
                        per person per calendar year. Set benefits apply for all other
                        General Dental items. Does not include Major Dental.
                        Topical fluoride application                           $15.50
                        Scale and Clean                                       $44.00


 Waiting Periods
      Initial Waiting Period                                                                        2 months
      Pre-existing ailments, illnesses or conditions                                                1 year
      Root fillings, complex fillings and dental sleep apnoea devices                                 1 year




44
  Lifetime Health Cover
Are you aged 31 or over?
                                                            Your age on 1 July   Lifetime Health
  Under the Federal Government’s Lifetime                    prior to joining     Cover loading
  Health Cover initiative, you will pay a                          30                  0%
  loading on your hospital cover premiums                          31                  2%
  based on your age when you took out                              32                  4%
  private health insurance for the first                            33                  6%
  time. Take out hospital cover before you                         34                  8%
  turn 31, and maintain it without a break                         35                 10%
  (or any break less than three years) and                         36                 12%
  you won’t have to pay a loading.                                 37                 14%

  Every year you delay taking out hospital                         38                 16%

  cover, your loading increases by 2%.                             39                 18%
                                                                   40                 20%
Rate yourself on Lifetime Health Cover                             41                 22%
  To find out your Lifetime Health Cover                            42                 24%
  loading, look up the age you were on                             43                 26%
  1 July just passed on the table opposite.                        44                 28%
  For a family or couples membership with                          45                 30%
  two adults, an average of your loading                           46                 32%
  and your partner’s loading is used.                              47                 34%
                                                                   48                 36%
  To work out your Lifetime Health Cover
                                                                   49                 38%
  loading, use our calculator available
                                                                   50                 40%
  online at hba.com.au.
                                                                   51                 42%
  You will not have to pay the Lifetime Health Cover               52                 44%
  loading if you are 30 or under; if you had private
  hospital cover at 1 July 2000 and have maintained                53                 46%
  it since; or if you were born on or before 1 July 1934.          54                 48%
                                                                   55                 50%
                                                                   56                 52%
                                                                   57                 54%
                                                                   58                 56%
                                                                   59                 58%
                                                                   60                 60%
                                                                   61                 62%
                                                                   62                 64%
                                                                   63                 66%
                                                                   64                 68%
                                                                   65+            70% maximum




                                                                                                   45
      What it costs
      This table shows you the premiums for each of our health cover options, and how you
      can lower your premium with the 30% Government Rebate. If you’re aged 65 or over,
      even higher rebates apply.




                                                                                           Single

                                                                          Prices                    With Government
                                                                                                      30% Rebate
                                                                 Weekly        Monthly          Weekly      Monthly
                                                                   $             $                $           $
 Packaged Options
 Ultimate Health Cover                                            54.00         234.60              37.80    164.20
 Young Couples Choice (for couples membership only)
 Young Singles Choice                                             19.20            83.45            13.40     58.40
 Young Singles Saver                                              15.30            66.50            10.70     46.55
 Active Sports Saver                                              13.30            57.75             9.30     40.40
 Hospital Cover
 Top Hospital Cover                                               28.00         121.65              19.60     85.15
 Hospital Cover with Excess Bonus Plus                            24.40         106.00              17.05     74.20
 Hospital Cover with Excess Bonus                                 23.00            99.95            16.10     69.95
 Hospital Cover with Excess                                       20.60            89.50            14.40     62.65
 Hospital Saver Plus – nil excess                                 22.65            98.50            15.85     68.95
 Hospital Saver Plus – Level 2                                    20.15            87.65            14.10     61.35
 Hospital Saver Plus – Level 3                                    19.10            83.10            13.35     58.15
 Hospital Saver Plus – Level 4                                    18.25            79.30            12.75     55.50
 Hospital Saver Plus – Level 5                                    17.50            76.00            12.25     53.20
 Hospital Saver                                                   13.50            58.65             9.45     41.05
 Family Essentials Hospital Cover
     Extras Cover
 Premier Extras                                                   16.90            73.45            11.80     51.40
 General Extras                                                    9.75            42.35             6.80     29.60
 Your Choice Extras                                                8.15            35.40             5.70     24.75
 Standard Extras                                                   7.70            33.45             5.35     23.40
 Basic Extras                                                      5.65            24.55             3.95     17.15
 General Dental (can only be taken in combination
                                                                   3.20            13.90             2.20      9.70
 with a hospital cover)

 Single membership covers the individual member only. Couples membership covers the member and their partner.
 Family membership covers the member, their partner, plus their single children under 17 years and single full-time
 students under 25 years.



46
     A Lifetime Health Cover loading may apply for people taking out hospital cover.
     For information on Lifetime Health Cover, see page 45 or go to hba.com.au.
     You can also go online for a range of tools and functions to help you compare and
     calculate your health cover options.


                  Couples/Family                                                Family Plus

         Prices               With Government                       Prices                  With Government
                                30% Rebate                                                    30% Rebate
Weekly        Monthly       Weekly        Monthly          Weekly        Monthly          Weekly        Monthly
  $             $             $             $                $             $                $             $


108.00            469.20     75.60         328.40          142.60         619.65           99.80         433.75
 37.15            161.45     26.00         113.00




 56.00            243.30     39.20         170.30           71.70         311.55           50.15         218.05
 48.80            212.00     34.15         148.40           59.90         260.30           41.90         182.20
 46.00            199.90     32.20         139.90           57.60         250.30           40.30         175.20
 41.20            179.00     28.80         125.30           52.20         226.80           36.50         158.75
 45.30            197.00     31.70         137.90           56.10         243.95           39.25         170.75
 40.30            175.30     28.20         122.70           49.90         217.10           34.90         151.95
 38.20            166.20     26.70         116.30           47.30         205.80           33.10         144.05
 36.50            158.60     25.55         111.00           45.20         196.40           31.60         137.45
 35.00            152.00     24.50         106.40           43.35         188.25           30.30         131.75
 27.00            117.30     18.90          82.10           33.70         146.45           23.55         102.50
 32.40            140.80     22.65           98.55          38.45         167.05           26.90         116.90


 33.80            146.90     23.65         102.80           46.70         202.90           32.65         142.00
 19.50             84.70     13.65           59.25          27.00         117.30           18.90          82.10
 16.30             70.80     11.40           49.55          22.50            97.75         15.75          68.40
 15.40             66.90     10.75          46.80           21.30            92.55         14.90          64.75
 11.30             49.10      7.90           34.35          15.55            67.55         10.85          47.25

  6.40             27.80      4.45           19.45           8.80            38.25          6.15          26.75

    Family Plus membership covers the member, their partner, plus their single children (students and non students)
    under 25 years even if they live away from home.




                                                                                                                      47
     Home, car and travel insurance
     At HBA, as well as looking after the        Car insurance
     health cover needs of nearly one million      There are three levels of cover, with lots of
     Australians, we’ve been protecting            great features included at no extra cost:
     homes, contents and cars with high
                                                       New-for-old replacement of vehicle up
     quality, flexible and affordable cover
                                                       to three years old
     options for more than 25 years.
                                                       Free Rating One Protection
                                                       Excess-free windscreen or window
     Take out health cover with HBA and                glass replacement
     you’ll get 10% off home, contents, car,
                                                       Excess-free cover for theft of personal
     caravan, boat and trailer insurance –
                                                       property up to $500
     every year for as long as you’re a health
     member. Plus, 15% off travel insurance.           Save with our nominated driver and
                                                       low kilometre options
                                                 Travel insurance
 Home insurance
                                                   HBA travel insurance protects you against
     Our high quality cover options range
                                                   the unexpected when you’re travelling
     from basic to comprehensive, with:
                                                   around Australia or overseas. And with
        Accidental damage cover for                our 24-hour emergency support line,
        televisions and computers in your          assistance is only ever a phone call away.
        home
                                                 Caravan, boat or trailer insurance
        Mobile phone and camera cover for
        loss or theft anywhere in Australia        Cover for your caravan, boat or trailer
                                                   against fire, theft or accidents, as well as
        Electrical motor burnout eg. fridges
                                                   liability costs.
        and washing machines
        Temporary accommodation – we’ll            For more information, an obligation-free
        pay for you to live elsewhere, if the      quote or on-the-spot cover, call us on
        unexpected occurs                          131 243.

                                                   Home, car, boat, caravan, trailer and travel insurance
                                                   are issued by Mutual Community General Insurance
                                                   Pty Ltd ABN 59 007 895 543 (trading as HBA
                                                   General Insurance). AFS Licence No. 237634. A
                                                   product disclosure statement is available by calling
                                                   131 243 and should be considered before making any
                                                   decision about these products. BUPA Australia Health
                                                   (trading as HBA) is an Authorised Representative of
                                                   Mutual Community General Insurance.




48
Choose HBA’s contents insurance for extensive
coverage in your home (from your TV to your
toothbrush). We can even cover your personal
belongings like your digital camera for loss, damage
or theft anywhere in Australia.



                                                       49
     Key Terms of Your Cover
     The next few pages tell you what               receive the full benefits listed under your
     you need to know before you join or            level of cover for that treatment type. All
     change your cover with HBA. Before you         hospital covers have 12-month Waiting
     undergo any treatment you should call          Periods for:
     our Customer Service Consultants on
                                                       Pre-existing ailments: For the first
     131 243 for complete and up-to-date
                                                       12 months of your cover, you will not
     information about your health cover, as
                                                       receive benefits for treatments for
     the information in this brochure may
                                                       pre-existing ailments. A pre-existing
     change without notice.
                                                       ailment has a certain definition under
     All products and benefits are subject              the National Health Act. If you have
     to HBA’s regulations (as amended                  an ailment, illness, injury or condition
     occasionally). Complete copies of these           that you had signs or symptoms of
     are available for reference at our head           at any point up to 6 months before
     office: 600 Glenferrie Road Hawthorn,              taking out private health cover
     VIC 3122.                                         (even if you have upgraded), it is a
                                                       ‘pre-existing ailment’ – even if you
     To find out more about what you
                                                       had not consulted a doctor about it
     can expect as a patient with private
                                                       or were not aware of it at the time.
     health cover, you can read the Federal
                                                       The pre-existing ailment rule may also
     Government’s Private Patients’ Hospital
                                                       apply to extras claims, for example
     Charter (available from our head office).
                                                       wisdom teeth extractions.
     A Private Health Insurance Industry               Pregnancy (childbirth): For the first
     Code of Conduct is also available from            12 months of your hospital cover, you
     our head office should you require                 will not receive benefits for childbirth-
     further information.                              related services.
     We will allow any member who has not         Exclusions
     yet made a claim; to cancel their policy
                                                    An exclusion means you will not be
     and receive a full refund of any premium
                                                    covered for the specified service or
     paid within a period of 30 days from the
                                                    treatment for as long as you are on that
     commencement date of their policy.
                                                    cover. You may have agreed to have
 When you are not covered                           exclusions on your cover, eg. Young
                                                    Couples Choice or Young Singles Choice,
 During a Waiting Period                            in return for lower premiums.
     A Waiting Period starts from the date
                                                  Other situations when you will not
     you join. During a Waiting Period you will
                                                  be covered:
     not be covered and you will not receive
     any benefits for that type of treatment.           If you choose to be treated at a non-
     Once the Waiting Period is over, you will         participating hospital, you may not be
                                                       fully covered.
50
    If you are not admitted to hospital,       are generally not enough to cover
    and this includes emergency room           accommodation costs in a private
    treatment, you are considered an out-      hospital. If you go to a private hospital
    patient and you will not be covered.       for a specific service which has Restricted
    A person who has been in hospital for      Benefits, it is likely to result in large
    more than 35 days and is classified         out-of-pocket expenses including any
    as a ‘nursing home type patient’           excess and/or co–payment that applies
    (as defined in the Health Insurance         to your cover. If you go to a public
    Act) may receive limited benefits. In       hospital, you will be covered for shared
    such cases patients are required by        ward accommodation only, with your
    law to make a personal contribution        choice of doctor.
    towards their care.                        All hospital covers have Restricted
    Medical expenses for surgical              Benefits for cosmetic surgery, sterilisation
    procedures performed in hospital by        reversal and surgical podiatry which will
    a dentist, surgical podiatrist or any      result in significant out–of-pocket costs.
    other practitioner that is not eligible    Some hospital covers give Restricted
    for the Medicare rebate.                   Benefits for specific services for the
    Benefits are not payable for                duration of that cover. Check with us
    pharmaceuticals supplied on                to see if Restricted Benefits apply for
    discharge from hospital, unless            other treatments.
    covered under your extras benefits.
                                              Extras cover
    HBA benefits are not payable where
    compensation, damages or benefits           A wide range of services and items are
    may be claimed from another                covered across our extras covers.
    source (eg. Workers’ Compensation,         You can claim benefits for:
    Compulsory Third Party Insurance,
                                                  A single service provided to you by
    Common Law Damages, Government
                                                  a recognised provider in a private
    Programs/Agencies, Travel Insurance,
                                                  practice on a given day; and
    Sports Insurance etc) in relation to
                                                  For more than one service provided
    a condition, injury or ailment. HBA
                                                  by a recognised provider on a given
    reserves the right to recover any
                                                  day, in a private practice which is
    benefits paid in this regard.
                                                  recognised by HBA in more than
Restricted Benefits                                one profession.

 With Restricted Benefits you will receive      The following list provides some further
 benefits for a service at an amount            information on how extras cover works.
 set by the Government, for that type          For a list of set benefits for each service,
 of treatment. Restricted Benefits              for your level of cover, go to hba.com.au.


                                                                                         51
 Major Dental                                      you need to have $200 in Excess Bonus
        You can claim benefits for the              points to cover a $200 excess.
        replacement of dentures once every         You are eligible for Cash Back if you
        three years.                               have had Hospital Cover with Excess
        Dental sleep apnoea devices have a         Bonus Plus for at least 6 months (as at
        waiting period of 12 months.               31 December) and have accumulated at
                                                   least $200 in Excess Bonus points (as at
 Optical
                                                   1 January). You must be up to date with
        Benefits apply for standard                 premium payments on 31 December
        prescription lenses. Coatings to lenses    and the following 1 March. You also need
        such as tinting, lens hardening etc. do    to have given us your bank statement
        not attract an additional benefit.          account details and nominated the Cash
 Pharmacy                                          Back option. If eligible, we’ll pay $100 into
        You will receive cover for items           your bank account in March each year.
        not covered by the Government             Unemployment cover
        Pharmaceutical Benefits Scheme              If you are on a cover that offers
        (PBS), except for items specifically        Unemployment Cover and you are
        excluded by HBA. You pay an amount         involuntarily retrenched or made
        equal to the maximum patient               redundant from full-time employment,
        contribution set by the Government         from the start of the second month we
        under the PBS. HBA refunds 100%            will pay your health insurance premium
        of the balance up to a set amount,         (at the same level of cover) for up
        depending on your level of cover.          to 12 months as long as you remain
 Health appliances                                 unemployed.
        A 12-month Waiting Period applies for      The main conditions are:
        hearing aids, asthma pumps, blood             If you have a family membership,
        glucose monitors, CPAP devices,               then only the main income earner
        insoles and surgical shoes.                   is eligible.
        Hearing aids - No benefits are                 The main income earner must
        payable on hearing aids where                 have been continuously employed
        subsidised by the Government.                 for at least six months prior to
 Additional benefits                                   your involuntary retrenchment
                                                      or redundancy.
 Excess Bonuses and Cash Back
                                                      You must have been enrolled in one
     If you are on a cover with Excess                of these covers for the preceding
     Bonuses, we give $100 in Excess Bonuses          12 months: Ultimate Health Cover,
     on 31 December each year. You can use            Top Hospital Cover, Hospital Cover
     your Excess Bonuses to pay for an excess         with Excess Bonus and Hospital Cover
     if you have accrued enough points to             with Excess.
     fully cover your excess. For example,


52
Travel and accommodation with                 Baby Care
hospital cover                                 Baby Care is range of parent-friendly
 We will pay benefits for travel and            benefits unique to HBA. They’re
 accommodation for one parent, spouse          available if your child is born on or
 or child of a critically ill member up        after 1 April 2006.
 to $75 per day to a maximum of
                                                  Excess-free hospital visits
 $2,000 per person per calendar year.
 The attending doctor must certify the         If you are on a cover where this benefit
 member’s illness as critical and that the     is stated, and you’re expecting your
 parent, spouse or child needs to attend       first baby, we will waive the excess you
 the hospital with the member. The             would pay for your child’s overnight or
 distance travelled must exceed 150km          same-day hospital admission up to their
 in total from residence to hospital and       third birthday, as long as you have had
 return, within Australia. This benefit is      any membership with us for at least six
 limited to one person per membership          months.
 and only one episode of illness, and is          Two free books
 available on selected hospital covers.
                                               If you have a cover where this benefit is
Ambulance cover                                stated, and you’re expecting your first
 If you reside in NSW or ACT and you have      baby, you will receive two parent-friendly
 hospital cover, you pay an ambulance          books for free. You can receive the
 levy as part of your premium. This            pre-natal book, ‘What to expect when
 entitles you to free ambulance transport      you’re expecting,’ when you inform us
 under the State Government ambulance          that you’re expecting a baby. You can
 transport schemes. When you receive           collect your copy from an HBA sales
 an account for ambulance transport,           centre. You will also receive the book,
 simply send it to us and we will endorse      ‘Toddler Taming’ and we will write to you
 it for you to send back to the appropriate    following your child’s first birthday to
 ambulance transport scheme.                   advise that you can receive your copy.

 In addition, emergency ambulance cover       Prostheses
 is available on all HBA private hospital      Surgically-implanted prostheses are
 covers and packaged options (but not          classified by the Government as No Gap
 available on extras cover). If you do not     or Gap prostheses. Prostheses include
 have an ambulance subscription with           pacemakers, defibrillators, cardiac stents,
 your state ambulance service, or you          joint replacements, intraocular lenses
 are not a resident living in NSW or ACT,      and other devices that are surgically
 you can receive cover for emergency           implanted during a stay in hospital. If
 ambulance transport. Ask us for more          your doctor chooses a No Gap prosthesis
 details if this applies to you.               you will not have any out-of-pocket
                                               expense, where the prosthesis item is
                                               implanted as part of hospital treatment.



                                                                                         53
     If the prosthesis used is listed as Gap            Children will receive immediate cover
     Prosthesis you will have to pay any gap            provided they enrol in their own
     charged by the hospital.                           names within two calendar months of
                                                        ceasing to qualify under their parents’
     You can ask your specialist to choose
                                                        HBA cover.
     a No Gap prosthesis as there is one
     available for every surgical requirement.          Benefits for newborn babies are only
                                                        payable if the membership is a family
 Pharmaceuticals                                        membership at least the day before
     If you choose to be treated with drugs             the birth of the baby. To ensure
     not approved by the Pharmaceutical                 a premature baby is covered, we
     Benefits Scheme, including experimental             recommend that the membership
     drugs, you may not be fully covered and            is transferred to family as soon
     the hospital may charge part of the cost           as possible.
     of the drugs. You will be advised by the           Claims can be paid only within two
     hospital of any charges before treatment.          years of the date on which the service
                                                        was rendered.
 Premiums and benefits
                                                        If your employer pays premiums
     When you join HBA, you must pay                    to us on your behalf, it is your
     the premiums for your cover and any                responsibility to ensure premiums
     Lifetime Health Cover that applies to you.         are paid, for example during
     Premiums are different in each state due           periods of unpaid absence or if your
     to differences in state hospital charges. If       employment ceases.
     you move to another state, from the date       Accidents
     you move you must pay the premium
                                                     An accident means an unforeseen
     for that state, and receive the benefits
                                                     event, occurring by chance and caused
     that apply in that state. The premiums
                                                     by an unintentional and external force
     and benefits in this brochure are only for
                                                     or object, resulting in involuntary hurt
     Australian residents who reside in NSW.
                                                     or damage to the body which requires
     You must inform us immediately of any
                                                     immediate medical advice or treatment
     changes to your address.
                                                     from a registered practitioner other than
     Your eligibility to receive these benefits is    the member or the member’s immediate
     subject to the following:                       family. One-day waiting period applies.
        You must be paid in advance with            Calendar year
        your premium payments and have               Benefits are paid by HBA on a per
        fully completed our application              calendar year basis. Calendar year is
        process.                                     defined by HBA as 1 January to 31
        HBA requires satisfactory proof of           December, irrespective of the member’s
        expenditure prior to reimbursement           date of joining HBA.
        in any particular case.




54
Recognised Providers                           Changing your HBA cover
 To ensure the quality of providers used        When changing your level of cover,
 by our members, all extras services must       the lower level of benefits apply for
 be provided by professionals who are           12 months for pre–existing ailments
 recognised by HBA and private practice.        and pregnancy (childbirth). Restricted
 Some providers may not be recognised           Benefits may apply for specific services.
 by HBA in which case we will not pay
 benefits for services they provide to           If changing to a non-Excess Bonus cover,
 you. Recognition of providers by HBA is        all Excess Bonuses will be cancelled.
 subject to change without notice. Please      Changing your extras cover
 check with us before undergoing a
                                                In the case of Top-up Bonuses, if
 course of treatment.
                                                changing to a non Top-up Bonus cover,
Changing from another fund                      Top-up Bonuses will be cancelled.

 There are certain things you need to           Any chiropractic consultations are
 know if you are changing from another          counted on a per calendar year basis,
 Australian health fund to HBA.                 regardless of a change in level of cover.

 You may receive Restricted Benefits             For more information on changing from another
                                                fund, or changing your HBA cover, see ‘The Right to
 for some services if specified on your          Change’ published by the Private Health Insurance
 cover with HBA. You will continue to be        Ombudsman.
 covered for all benefit entitlements on
 your new cover that you had on your           Privacy
 old cover, as long as you transfer to HBA     Your health and personal information
 within 30 days of leaving the previous
                                                Your privacy rights are important to you
 fund. This is referred to as ‘continuity of
                                                and also to HBA. We will only collect
 cover’. Where your level of cover differs
                                                health and personal information about
 from your cover with your old fund, the
                                                you, and the other people on your
 lower level of benefits applies for pre-
                                                membership, that is necessary for the
 existing ailments in the first 12 months.
                                                purposes of providing health cover
 Where an extras benefit or benefit limit         appropriately and verifying that it has
 with HBA differs from your cover with          been provided in accordance with HBA’s
 your old fund, the lower benefit or             regulations. This may include health
 limit applies for the first 12 months for       information collected about you from
 pre-existing conditions.                       health service providers. If the information
                                                you give us is not complete or accurate,
 Extras benefits paid by your old fund will
                                                we may not be able to provide you with
 be counted towards yearly maximums in
                                                the health cover you request.
 your first year of membership with HBA.




                                                                                                      55
     HBA may need to disclose your health        Ending your membership
     or personal information to other             HBA has the right to terminate a person’s
     parties, such as health care providers,      membership at any time, if you breach
     government authorities, professional         our rules
     health care associations or industry
     bodies. You are entitled to request             HBA may terminate a person’s
     reasonable access to information we             membership immediately if in HBA’s
     have about you. HBA reserves the right          opinion, the person has deliberately
     to charge an administration fee for             obtained, or attempted to obtain,
     collating the information you request.          a benefit to which they were not
                                                     entitled under its rules.
     The owner of the membership has
                                                     HBA may terminate a persons
     access to all information regarding the
                                                     membership if the person has not
     people on their membership. However
                                                     paid an amount equivalent to two
     the spouse or dependent/s only has
                                                     months worth of premiums.
     access to their own information. The
     owner is responsible for ensuring that      Resolution of problems
     the other people on their membership
     are aware that we may collect, use and       If you would like to provide us with any
     disclose personal and health information     feedback about our products or services,
     for the purposes of providing your           or do not understand a decision we have
     cover and verifying that benefits are         made regarding any aspect of your cover,
     paid. The owner will be notified of           please contact us on 131 243, write to
     details of services claimed under their      our Customer Relations Manager, GPO
     membership. If you or any other person       Box 14639, Melbourne, Victoria, 3001
     on your membership does not consent          or fax us on (03) 9937 4135.
     to such collection, use and disclosure of    After you have contacted us regarding
     personal and health information, we may      your enquiry, if you do not feel satisfied
     not be able to provide your cover.           with our response, you may contact the
     You are welcome to read our policy on        Private Health Insurance Ombudsman on
     Privacy. It is available online at           1800 640 695.
     hba.com.au or by contacting our
     Customer Service Centre on 131 243.
     In the future, we may contact you about
     new products or special offers. If at
     any time you do not want to receive
     this information you can opt out by
     telephoning 131 243 and quoting your
     HBA Membership number (on your
     membership card).




56
  How to join
  So, are you HBA covered? Here’s how        Self-service anytime at hba.com.au
  you can join:                                  Use our online tools to find the most
     Sign up for on-the-spot cover at            suitable cover for you
     hba.com.au                                  Grab a quick quote - obligation free
     Contact HBA Customer Service on             Use our online calculators for the
     131 243                                     Medicare Levy Surcharge and Lifetime
     Visit an HBA Sales Centre at:               Health Cover loading
     73 York Street, Sydney CBD                  Join online and more
     Ph 9657 1260
                                             Once you’re a member you can:
     Westfield Bondi Junction
                                                 Submit your claim online
     Ph 0434 078 709
                                                 Make your payments online
     Westfield Chatswood
     Ph 0434 078 707                             Search for a Participating Hospital,
                                                 Ezyclaim specialist or Members First
     Warringah Mall, Brookvale
                                                 optical provider
     Ph 0434 078 708
                                                 Access your cover details online –
     Fill out an application form and send
                                                 including any Excess Bonuses, your
     it postage-paid to HBA
                                                 next payment due date and what
For home, car and travel insurance               you’re covered for
     Contact HBA General insurance               Change your contact details and who
     on 131 243                                  is covered under your membership




                                                                                        57
02643–03–06S
            73 York Street Sydney CBD
             Westfield Bondi Junction
              Westfield Chatswood
            Warringah Mall Brookvale




                        hba.com.au
                         131 243




                                                                 02643




        BUPA Australia Health Pty Ltd ABN 50 003 098 655
NSW   A Registered Health Benefits Organisation Trading as HBA

				
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