HBA

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Young Singles Choice
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Our comprehensive hospital and extras cover for young singles

With Young Singles Choice, you get a comprehensive package of hospital and extras cover that's made specifically with young singles in mind.
What is covered?

Hospital expenses
Medical expenses
Co-payment

Additional features and benefits

Ambulance services
Reduce your tax
What is not covered?

Full costs at non-participating private hospitals
During a Waiting Period
Exclusions
Services and situations not covered by health funds

Waiting periods & price

What are the restrictions or exclusions?
What are the waiting periods?
What does it cost?

  What is covered?
Hospital expenses
Cover for your hospital expenses
If you are admitted to a Members First, Participating Private hospital or public hospital, you will receive full cover for hospital expenses, for as long as you are in hospital.

Hospital expenses are the hospital's charges for in-hospital services, which include:

  • Accommodation fees for overnight or same-day stays
  • Operating theatre and intensive care fees
  • Pharmaceuticals supplied to you while in hospital (covered by the Pharmaceutical Benefit Scheme)
  • Allied services such as physiotherapy, occupational therapy and dietetics
  • Surgically implanted Government-recognised prostheses

To keep premiums low there is a co-payment and some services are excluded, as listed under the waiting periods. If you don?t need cover for these services, this cover could be for you!

Cover for prostheses
You are also covered for surgically implanted Government-recognised No Gap prostheses. If your doctor chooses a No Gap prosthesis, you will not have any out-of-pocket expense where the prosthesis item is implanted as part of the hospital treatment covered. If the prosthesis item used is listed as a Gap prosthesis you will have to pay any gap charged by the hospital. You can ask your specialist to choose a No Gap prosthesis as there is one available for every surgical requirement.
Medical expenses
Cover for your medical expenses
Medical expenses are the costs charged by a doctor, surgeon, anaesthetist or other specialist for treatment given to you in hospital. We cover you for the cost of medically necessary treatment given to you while you are in hospital, up to the Government Schedule fee.

For in-patient hospitalisation, Medicare pays 75% of the Schedule fee and HBA pays the remaining 25%. If your specialist charges more than the Schedule fee, there will be a 'gap, but our Ezyclaim system can help cover or reduce the gap for you.

Cover for the 'gap'
Ezyclaim is a direct billing system your specialist can use to eliminate or reduce the gap. An Ezyclaim specialist bills us directly. So in most cases, you don't pay any out-of-pocket expenses, or even receive a bill. And if there is a gap, you will be told about the amount before your treatment. Simply ask your specialist about Ezyclaim.
Co-payment
Your co-payment
  • $50 a day for overnight or same-day hospital admissions
  • Capped at $250 for any one hospital stay (including same-day treatment)
 

  Additional features and benefits
Ambulance services
Emergency ambulance services
If you live in NSW or ACT and you have hospital cover, you pay an ambulance levy as part of your hospital cover premium. This entitles you to recognised emergency-only ambulance services under the State Government ambulance transport schemes. When you receive an account for ambulance services in any state except QLD and SA, simply send it to us and we will endorse it for you to send back to the appropriate ambulance transport scheme.

The NSW and ACT State Government ambulance transport schemes do not cover ambulance services in QLD and SA. In these states, on top of your hospital cover you will receive cover for recognised emergency-only ambulance transport or on-the-spot treatment. This is capped at one service for a single membership and two services for couple, single parent and family memberships each calendar year.

We define an emergency as an event that is unplanned, non routine, and in which you require immediate medical attention. You are not covered for: Transportation from a hospital to your home, a nursing home, or another hospital (where the member has been admitted to the transferring (first) hospital). You are also not covered for transportation from your home, a nursing home or hospital for ongoing medical treatment, e.g. chemotherapy, dialysis.

If you do not have an ambulance subscription with your state ambulance service or have fallen outside of a state based arrangement and need to make a claim for emergency ambulance services covered on top of your hospital cover, please complete and return to us the Particulars of Ambulance Transportation form.
Reduce your tax
No Medicare Levy Surcharge
Covers you against paying an extra 1% tax known as the Medicare Levy Surcharge. This tax is payable by singles earning more than $50,000 or couples and families with combined taxable incomes greater than $100,000 (the family income threshold increases by $1,500 for each additional child after the first one) who do not have an appropriate level of private hospital cover.
 

  What is not covered?
Full costs at non-participating private hospitals If you choose to be treated at a private hospital that is not in our Participating Private Hospital network, you may incur out-of-pocket expenses. To get the most value from your cover, we recommend you use a Participating Hospital.
During a Waiting Period A waiting period starts from the date you join. During a waiting period you are not covered and will not receive any benefits for the types of treatment affected by the waiting period. Once the waiting period is over, you will receive the full benefits listed under your level of cover for that treatment type. All hospital covers have 12 month waiting periods for pre-existing conditions and pregnancy (childbirth), where applicable.

If you transfer to HBA from another health fund on an equivalent level of cover we will honour all the waiting periods you have already served when we receive confirmation of your previous membership and level of cover, but you will need to join within one month of leaving the other fund.

When you upgrade to a higher level of cover, the benefits from your previous level of cover apply during waiting periods.
Exclusions Some covers exclude specific services. This means you will not be covered for that specified service or treatment whilst on that level of cover. HBA only pays for services that Medicare covers. Medicare does not cover some health screening services and services that are not medically necessary.

For the duration of your cover, you will not receive cover for:

  • Any treatment outside of Australia
  • Assisted reproductive services (including IVF)
  • Cataracts
  • Heart and artery
  • Hip and knee replacement
  • Laser eye correction surgery
  • Pregnancy
Services and situations not covered by health funds There are some hospital services that are generally not covered under a health fund's hospital cover:
  • If you are not admitted to hospital (including emergency room treatment) you are considered an outpatient and you will not be covered.
  • A person who has been in hospital for more than 35 days and is classified as a nursing home type patient (as defined in the Health Insurance Act) may receive limited benefits. In such cases patients are required by law to make a personal contribution towards their care.
  • Medical expenses for surgical procedures performed in hospital by a dentist, surgical podiatrist or any other practitioner that is not eligible for the Medicare rebate, such as sterilisation reversal and cosmetic surgery.
  • Benefits are not payable for pharmaceuticals supplied on discharge from hospital, unless covered under your extras benefits.
  • HBA benefits are not payable where compensation, damages or benefits may be claimed from another source (eg. Workers's Compensation, Compulsory Third Party Insurance, Common Law Damages, Government Programs/Agencies, Travel Insurance, Sports Insurance etc) in relation to a condition, injury or ailment. HBA reserves the right to recover any benefits paid in this regard.
 

  Are there any restrictions or exclusions?
Conditions
Psychiatric treatment Restricted benefits apply for the duration of cover
Rehabilitation Restricted benefits apply for the duration of cover
Cataract surgery Excluded service
Hip or knee replacement Excluded service
Pregnancy (childbirth) Excluded service
Heart or artery-related services Excluded service
Assisted reproductive services (including IVF) Excluded service
   

  What are the waiting periods?
Waiting Period
Palliative care 2 Months
Psychiatric and rehabilitation 2 Months
Pre-existing ailments, illnesses or conditions for hospital services 1 Year
   

  What does it cost?
Cover Price
Single $14.35 per week
Couples $27.75 per week
   
Prices are for stated memberships only.
Prices include the 30% Government Rebate and do not include any Lifetime Health Cover loading that may apply.
 
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