benefitsSmartSaverTwinPack.xml

HBF Smart Saver Twin Pack

Our Twin Pack products offer a combination of great value Hospital and Essentials cover, and pay benefits on things like accommodation in a private hospital and theatre fees as well as day to day health services like dental, optical, physio and chiro.

Twin Pack benefit checklist	Waiting Period ? Twin Pack Hospital Cover Waiting periods will apply to your health insurance cover if: - You're a new HBF member or new to hospital cover. - You've upgraded to a higher level of cover - which includes moving from health insurance cover with an excess to cover without an excess. Please check the waiting periods and pre-existing conditions that apply before you claim benefits for hospital services and medical gap cover.	Smart Saver Twin Pack
Appendicitis treatment	2 months (12 months for pre-existing ailments)	Y
Assisted reproductive services (including IVF)	2 months (12 months for pre-existing ailments)	Y
Cataract and eye lens procedures	2 months (12 months for pre-existing ailments)	Y* Limited hospital benefits apply which are similar to the cost of a shared room in a public hospital.
Fully covered for a shared room in an HBF Participating Hospital	n/a	Y
HBF Medical Gap cover	n/a	Y
Heart procedures	2 months (12 months for pre-existing ailments)	Y* Limited hospital benefits apply which are similar to the cost of a shared room in a public hospital.
Hospital excess	n/a	Y
Joint replacement surgery	2 months (12 months for pre-existing ailments)	Y* Limited hospital benefits apply which are similar to the cost of a shared room in a public hospital.
Maternity and birth-related services	12 months	Y
Rehabilitation	2 months	Y **
Psychiatric care	2 months	Y* Limited hospital benefits apply which are similar to the cost of a shared room in a public hospital.
Removal of tonsils and adenoids	2 months (12 months for pre-existing ailments)	Y
Shoulder reconstruction surgery and investigations	2 months (12 months for pre-existing ailments)	Y
Theatre fees	n/a	Y
Essential Benefits
Chiropractic	2 months	Y
- Chiropractic x-ray		Benefits up to $64 $300 combined maximum for physiotherapy & chiropractic. Maximum includes x-ray 1 p.p. per year.
- Initial individual consultation		Benefits up to $22 $300 combined maximum for physiotherapy & chiropractic. Maximum includes x-ray 1 p.p. per year.
- Subsequent individual consultations		Benefits up to $17 $300 combined maximum for physiotherapy & chiropractic. Maximum includes x-ray 1 p.p. per year.
Dental - General	2 months	Y
- Consultation/examinations		Benefits up to $21-$45 Combined $500 limit for general and major dental.
- Scale and clean (1st visit)		Benefits up to $36 Combined $500 limit for general and major dental.
- Mouthguard		Benefits up to $44 Combined $500 limit for general and major dental.
- Extractions		Benefits up to $41-$99 Combined $500 limit for general and major dental.
- Fillings - Direct		Benefits from $39 Combined $500 limit for general and major dental.
Dental - Major ^^	12 months	Y
- Veneer - Indirect		Benefits up to $208 2 bondings %
- Veneer - Direct		Benefits up to $64 2 bondings %
- Tooth coloured Fillings - Indirect		Benefits from $150 3 services
- Root Canal treatment		Benefity up to $183
- Crowns		Benefits up to $100-$408 3 units of crowns/bridges per yr %
- Bridges		Benefits up to $324 Combined $500 limit for general and major dental.
- Full dentures		Benefits up to $490 Combined $500 limit for general and major dental.
Optical - Contact Lenses	2 months	Y* If selected
- Bi-focal progressive lenses		1 pair of glasses or a pair of contact lenses (or up to $140 for frequent replacement/disposable lenses per year)
- Frequent replacement disposable contact lenses
- Toric - rigid or soft lenses
- Spherical rigid or soft contact lenses
Optical - Glasses	2 months	Y* If selected
- Frames & single vision lenses		Benefits up to $90 1 set of glasses or 1 set of contact lenses (or up to $140 for frequent replacement/disposable lenses per year). $66 sub limit for frames when purchased without lenses.
- Frames & bi-focal lenses		Benefits up to $120 1 set of glasses or 1 set of contact lenses (or up to $140 for frequent replacement/disposable lenses per year). $66 sub limit for frames when purchased without lenses.
- Frames & trifocal/progressive lenses		Benefits up to $160 1 set of glasses or 1 set of contact lenses (or up to $140 for frequent replacement/disposable lenses per year). $66 sub limit for frames when purchased without lenses.
Pharmacy	2 months	Y
- For pharmaceuticals listed on the HBF benefit schedule		Benefits cost of medicine less member co-payment ^ $300 maximum
Physiotherapy	2 months	Y
- Individual consultation by a Specialised Physiotherapist for continence and women's health		Benefits up to $48 3 consultations #
- Group consultation		Benefits up to $8 $300 combined limit for physiotherapy & chiropractic
- 11+ individual consultations
- 7-10 individual consultations
- 1-6 individual consultations
Podiatry	2 months	Y
- Initial consultation (clinic based)		Benefits up to $26 $200 maximum for podiatry (foot orthoses not covered)
- Brief consultations (clinic based)		Benefits up to $14 $200 maximum for podiatry (foot orthoses not covered)
- Intermediate consultations (clinic based)		Benefits up to $20 $200 maximum for podiatry (foot orthoses not covered)
- Comprehensive consultations (clinic based)		Benefits up to $24 $200 maximum for podiatry (foot orthoses not covered)
- Group consultations		Benefits up to $11 $200 maximum for podiatry (foot orthoses not covered)
Urgent Ambulance	7 Days	Y *** Cover for urgent ambulance transport. No limit for urgent ambulance transport.

**Benefits for rehabilitation services related to restricted or excluded procedures will be limited.
***Urgent ambulance transport covers circumstances classified by St John Ambulance as requiring urgent attention.