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extras services

Young Couples Choice
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Hospital and extras cover to save you money

Young Couples Choice is a hospital and extras package created especially for young couples. It's a good level of cover that is suitable for young people, but to keep the premiums low, we've kept it kid-free... that means no pricey pregnancy-related benefits. And because Young Couples Choice is made for couples, it costs less than taking out two single covers.
What is covered?

General Dental, Major Dental and Orthodontics
Optical
Physiotheraphy, Chiropractic and Osteopathy
Natural Therapies
Travel vaccines
Top-up Bonus
Waiting periods & price

What does it cost?
What are the waiting periods?

  What is covered?
General Dental, Major Dental and Orthodontics Benefits you receive

Services  Members First  Other Providers
General dental benefit examples
Comprehensive oral examination $29.70 $22.00
Scale and clean $51.00 $41.00
Mouthguard $94.20 $37.50
Major dental benefit examples
Complete Denture $846.90 $450.00
Full crown - veneered - indirect $735.30 $450.00
Orthodontics benefit examples
Complete course of orthodontic treatment   Refer to special comments below.

General dental: As supplied by a registered HBA dentist or dental prosthetist.

Major dental: Fixed benefits apply per item. Includes dentures, crowns, bridgework, and precious restorations. Limit of one set of dentures every 3 years.

Orthodontics: Only payable if resulting from an accident after joining this cover and requiring immediate medical attention.

*Set benefits are payable up to your Loyalty Maximum.
Annual Maximums

  Per person
Year 1 $500.00
Year 2 $600.00
Year 3 $700.00
Year 4 $800.00
Year 5 $900.00
Year 6 $1,000.00
Optical Benefits you receive

Services  Members First  Other Providers
Lenses
Single Vision Stock $58.00 $45.00
Bifocal lenses $77.20 $60.00
Trifocal/progressive lenses $123.30 $95.00
Contact lenses
Non Disposable $128.50 $100.00
Disposable contact lenses, 1 month supply $43.00 $32.00
Disposable contact lenses, 3 month supply $71.00 $50.00
Frames
Frames for prescription lenses $111.90 $90.00

20% discount off frames at Members First optical providers (not with any other offer). Frames for prescription lenses, limited to one pair every 12 months.
Annual Maximums

  Members First Other Providers
Every Year $180.00 $150.00
Physiotheraphy, Chiropractic and Osteopathy Benefits you receive

Services  Members First  Other Providers
Chiropractic and Osteopathy benefit examples
Initial attendance $41.10 $25.00
Subsequent attendance $26.70 $17.00
Physiotherapy benefit examples
Group therapy $13.10 $9.00
Initial attendance $38.70 $25.00
Subsequent attendance $30.90 $17.00
Hydrotherapy $13.10 $9.00

Chiropratic Services: Examples refer to the first 10 consultations per person per calendar year. 50% of applicable benefit applies after 10 consultations.
Annual Maximums

  Per person
Year 1 $350.00
Year 2 $420.00
Year 3 $490.00
Year 4 $560.00
Year 5 $630.00
Year 6 $700.00
Natural Therapies Benefits you receive

Services  All Providers
Massage benefit examples
Massage -per attendance $12.00
Naturopathy benefit examples
Naturopathy - Initial Attendance $17.00
Naturopathy - Subsequent Attendance $17.00
Acupuncture benefit examples
Acupuncture - Initial Attendance $17.00
Acupuncture - Subsequent Attendance $17.00

Includes acupuncture, Chinese herbalism, homeopathy, naturopathy and Western herbalism.
Massage includes Bowen Technique, kinesiology, reflexology, shiatsu, Therapeutic massage. An annual sub-limit of $100 per person can be claimed per calendar year.
Annual Maximums

  Per person
Year 1 $350.00
Year 2 $420.00
Year 3 $490.00
Year 4 $560.00
Year 5 $630.00
Year 6 $700.00
Travel vaccines Benefits you receive

Services  All Providers
Benefit examples
Typhoid Vaccine 100% up to annual limit.
Typhoid Vaccine 100% up to annual limit.
Polio vaccine 100% up to annual limit.
Tetanus vaccine 100% up to annual limit.
Cholera vaccine 100% up to annual limit.
Yellow fever vaccine 100% up to annual limit.
Yellow fever vaccine 100% up to annual limit.
Cholera vaccine 100% up to annual limit.
Tetanus vaccine 100% up to annual limit.
Polio vaccine 100% up to annual limit.
Annual Maximums

  Per person
Year 1 $50.00
Year 2 $60.00
Year 3 $70.00
Year 4 $80.00
Year 5 $90.00
Year 6 $100.00
Top-up Bonus Benefits you receive

Services  All Providers
Benefit examples
Top Up Bonus Top-up bonuses are per membership per calendar year. Bonuses do not accumulate at the end of the year.
Top Up Bonus Top-up bonuses are per membership per calendar year. Bonuses do not accumulate at the end of the year.
 Annual Maximums
  Per person
Year 1 $75.00
Year 2 $90.00
Year 3 $105.00
Year 4 $120.00
Year 5 $135.00
Year 6 $150.00
 


  What are the waiting periods?
Extras Waiting Period
Initial waiting period 2 Months
Major dental 1 Year
Root fillings 1 Year
Pre-existing ailments, illnesses or conditions for extras services 1 Year
Dental sleep apnoea devices 1 Year
Complex fillings 1 Year
   

  What does it cost?
Cover Price
Couples $30.95 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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