Young Singles Saver

A combined hospital and extras cover package for singles

Young Singles Saver is an affordable package of hospital and extras cover, where you're covered only for what you're likely to need or use. So it's convenient and cost-effective too.

What is covered?

Hospital expenses

Medical expenses

Co-payment

Additional features and benefits

Ambulance services

Reduce your tax

What is not covered?

During a Waiting Period

Restricted Benefits

Exclusions

Services and situations not covered by health funds

Waiting periods & price

What are the waiting periods?

What does it cost?

What is covered?

Hospital expenses

Cover for your hospital expenses

You get full cover at all Members First and Participating Private and public hospitals in which you are treated for:

Accidentally sustained injuries including sporting related injuries needing urgent medical attention
Knee operations (arthroscopy or meniscetomy)
Appendicitis
Removal of tonsils and adenoids
Dental surgery
Minor gynaecological services (not including laparoscopic surgery)

If you choose to be treated for any of the services listed above at a private hospital that is not a Members First or Participating Private hospital, you may incur out-of-pocket expenses. To get the most value from your cover, we recommend you use a Members First or Participating Private hospital.

With your co-payment, you are fully covered for:

Overnight and same day accommodation
Operating theatre and intensive care fees
Supplied pharmaceuticals approved by the Pharmaceutical Benefits Scheme (PBS) and provided as part of your in-hospital treatment
Allied services such as physiotherapy, occupational therapy and dietetics
No Gap prostheses that are surgically implanted and Government-recognised

For all hospital procedures not listed above you'll receive Restricted Benefits:

Full cover plus your choice of doctor, in a shared room in a public hospital.
Minimum benefits set by the Government for that type of treatment for shared or single room accommodation in all private hospitals and day centres:

Up to $347 each day in all private hospitals
Up to $321 for same-day treatment in a public or private hospital

Theatre and labour ward fees in a private hospital are not covered

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

If you live in QLD you receive full ambulance cover under your state ambulance service.

If you fall outside of your state based arrangement, 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 would not be 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 would also not be 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?

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.

Restricted Benefits

If a service is covered as a Restricted Benefit, this means you will be covered with your choice of doctor for shared room accommodation in a public hospital only. If you go to a private hospital for a specific service which has Restricted Benefits, it is likely to result in large out-of-pocket expenses. Restricted Benefits are an amount set by the Government and are generally not enough to cover accommodation costs in a private hospital.

All hospital covers for Australian residents have Restricted Benefits for cosmetic surgery, sterilisation reversal, surgical podiatry and all services that do not attract a Medicare benefit. Some hospital covers give Restricted Benefits for specific services for the duration of that cover. If Restricted Benefits apply for other treatments under this level of cover, they will be listed below.

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
Laser eye correction surgery

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.

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

What does it cost?
Cover	Price
Single	$13.20 per week

Members transferring from other funds will have the total value of benefits paid for a service by any previous fund in the current calendar year deducted from their Annual Maximum for that same service with us. Prices are for stated memberships only. Prices include the 30% Government Rebate and do not include any Lifetime Health Cover loading that may apply.