RACT Health Insurance - AHSA by jizhen1947

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									             GMHBA PRODUCT INFORMATION SHEET

Fund Name:                         GMHBA Limited t/a RACT Health Insurance

Address:                           60-68 Moorabool Street
                                   Geelong VIC 3220

Telephone:                         1300 446 422

Facsimile:                         03 5221 4582

E-mail:                            service@gmhba.com.au

Chief Executive Officer:           Mr Mark Valena

Claims Enquiries:                  Claims Department via general telephone number.

Membership Enquires:               Membership Department via general telephone number



Product:                           Platinum Hospital Cover (RPH0, RPH1, RPH2)

Description:                       GMHBA’s top hospital cover in the Premium Range.
Exclusions:                        Drugs purchased outside the hospital are not included.
Restrictions:                      Limited benefits may apply to cosmetic surgery and high cost drugs.
Moiety per day:                    Nil
Excess:                            No excess applies for child dependants under 21 on
                                   Platinum Hospital cover.
Excess options                     Level 0           Level 1            Level 2
table                              nil excess        excess             excess
                                   (RPH0)            (RPH1)             (RPH2)
Admission excess (private hospital
– overnight)                       nil                      $250              $500
Admission excess (public hospital
or day stay)                       nil                      $125              $250
Maximum annual excess - per
person                             nil                      $250              $500

Maximum annual excess – singles nil                         $250              $500

Maximum annual excess – families nil                        $500             $1,000


Product:                           Gold Hospital Cover (RGH0, RGH1, RGH2)

Description:                       Gold Hospital gives you comprehensive cover for a wide range of
                                   hospital and medical services.
Exclusions:                        Drugs purchased outside the hospital are not included.
Benefit Limitation Period:         A 24-month benefi t limitation period applies to
                                   the following services:
                                   • Psychiatric
                                   • Haemodialysis
                                   • Gastric banding
Restrictions:                      * Limited benefi ts may apply to cosmetic surgery and high cost drugs.
Moiety per day:                    Nil
Excess:                            No excess applies for child dependants under 21 on
                                   Gold Hospital cover.
Excess options                     Level 0         Level 1           Level 2
table                              nil excess      excess            excess
                                   (RGH0)          (RGH1)            (RGH2)
Admission excess (private hospital
– overnight)                       nil                        $250              $500
Admission excess (public hospital
or day stay)                       nil                        $125              $250
Maximum annual excess - per
person                             nil                        $250              $500

Maximum annual excess – singles nil                           $250              $500

Maximum annual excess – families nil                          $500             $1,000




Product:                           Silver Hospital Cover (RSH0, RSH1, RSH2)

Description:                       Silver Hospital gives you extensive cover, with some exclusions
                                   on services you may not need to reduce the premium. A great
                                   option if you want to be covered in a private hospital but don’t
                                   want the top cover.
Exclusions:                        To reduce the premium, Silver Hospital excludes the following services:
                                   ✗ Obstetrics
                                   ✗ Joint replacement
                                   ✗ Cosmetic surgery
                                   ✗ IVF and related services
                                   ✗ Cataract surgery and corneal transplants
                                   ✗ Haemodialysis
                                   ✗ Gastric banding
Benefit Limitation Period:         24 months on Psychiatric Services
Moiety per day:                    Nil
Excess:                            Unlike Platinum and Gold covers the excess applies
                                   for child dependants on all Silver Hospital covers.
Excess options                     Level 0         Level 1           Level 2
table                              nil excess      excess            excess
                                   (RSH0)          (RSH1)            (RSH2)
Admission excess
(private hospital – overnight)     nil                        $250              $500
Admission excess
(public hospital or day stay)      nil                        $125              $250
Maximum annual excess - per
person                             nil                        $250              $500


Maximum annual excess - singles    nil                        $250              $500

Maximum annual excess - families nil                          $500             $1,000




Product:                           Bronze Hospital Cover (RBH0, RBH1, RBH2 )
Description:                       Bronze Hospital gives you cost-effective cover for treatment as a
                                   private patient in a public hospital.
Exclusions:                        Haemodialysis, Gastric Banding
Moiety per day:                    Depends on the type of treatment, accommodation or surgery received and length
                                   Additional private hospital costs such as theatre and delivery suite charges are not
Excess:                            Unlike Platinum and Gold covers the excess applies
                                   for child dependants on all Bronze Hospital covers.
                                   Level 0 nil
Excess options table               excess          Level 1 excess Level 2 excess
                                   (RBH0)          (RBH1)           (RBH2)
Maximum annual excess - per
person                                    nil            $250            $500

Maximum annual excess - singles           nil            $250            $500

Maximum annual excess - families          nil            $500           $1,000
, RPH1, RPH2)



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mmodation or surgery received and length of hospital stay.
 heatre and delivery suite charges are not covered by Bronze Hospital Cover.

								
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