Tax time shouldn’t hurt.

If you don’t have private hospital cover, you could be hit with the Medicare Levy Surcharge at tax time.+

Eftpos gift cardsGet a free eftpos gift card when you sign up for one of our private hospital options before 30 June 2013!*

Young Singles Saver
Hospital

$12.25^ PW
Includes 30% rebate.
Price based on your rebate eligibility.

You’re young and healthy and don’t think you’re going to go to hospital. But depending on how much you earn you may have to pay more tax if you don’t have hospital cover. So why not:

  • avoid hospital waiting lists and have your choice of doctor
  • be covered for hospital procedures that you may need, like knee reconstruction, wisdom teeth removal, remove skin cancer and thousands more
  • have unlimited cover for emergency ambulance transport.

 

Other cover options available for families with children.

Upgrade

Upgrade for only 45c more per week~ and receive these extras: Chiro, Dental, Optical and Physio.

Young Singles Saver
Twin Pack

$12.70# pw
Includes 30% rebate.
Price based on your rebate eligibility.

For less than a dollar a week more than Young Singles Saver Hospital, you will receive all the hospital benefits plus real value for money ancillary cover on the 8 most commonly used services for someone your age.

  • Cover for services including general dental, optical, physio and chiro
  • A combined limit on certain services so you can spend your money where you like
  • One free scale and clean each year at the dentist and a fully covered pair of glasses each year if you wear them
  • And our Join Now, Claim Now promotion means you can claim straight away.

Benefits of Young Singles Saver Hospital Pack

Hospital Benefits Waiting Period Included
Fully covered for a shared room in a HBF Participating Hospital for Agreed Services 2 months (12 months for pre-existing ailments) Yes
Substantial cover for a shared room in a HBF Participating Hospital for Agreed Services 2 months (12 months for pre-existing ailments) Yes
Appendicitis treatment 2 months (12 months for pre-existing ailments) Yes
HBF Medical Gap cover 2 months (12 months for pre-existing ailments) Yes
Substantial cover towards a single room in an HBF Participating Hospital 2 months (12 months for pre-existing ailments) No
Substantial cover for a single room for maternity patients in an HBF Participating Hospital 12 months No
Assisted reproductive services (including IVF) 2 months (12 months for pre-existing ailments) No
Cataract and eye lens procedures 2 months (12 months for pre-existing ailments) No
Heart procedures 2 months (12 months for pre-existing ailments) No
Hospital excess options 2 months (12 months for pre-existing ailments) Yes
Joint replacement surgery (including partial and total) 2 months (12 months for pre-existing ailments) No
Maternity and birth-related services 12 months No
Psychiatric care 2 months Yes 6
Rehabilitation 2 months Yes 11
Removal of tonsils and adenoids 2 months (12 months for pre-existing ailments) Yes
Shoulder reconstruction surgery and investigations 2 months (12 months for pre-existing ailments) Yes
Surgical extraction of wisdom teeth 2 months (12 months for pre-existing ailments) Yes
Theatre fees 1 2 months (12 months for pre-existing ailments) Yes
View all Hospital Benefits

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Benefits of Young Singles Saver Twin Pack

Hospital Benefits Waiting Period Included
Fully covered for a shared room in a HBF Participating Hospital for Agreed Services 2 months (12 months for pre-existing ailments) Yes
Substantial cover for a shared room in a HBF Participating Hospital for Agreed Services 2 months (12 months for pre-existing ailments) Yes
Appendicitis treatment 2 months (12 months for pre-existing ailments) Yes
HBF Medical Gap cover 2 months (12 months for pre-existing ailments) Yes
Substantial cover towards a single room in an HBF Participating Hospital 2 months (12 months for pre-existing ailments) No
Substantial cover for a single room for maternity patients in an HBF Participating Hospital 12 months No
Assisted reproductive services (including IVF) 2 months (12 months for pre-existing ailments) No
Cataract and eye lens procedures 2 months (12 months for pre-existing ailments) No
Heart procedures 2 months (12 months for pre-existing ailments) No
Hospital excess options 2 months (12 months for pre-existing ailments) Yes
Joint replacement surgery (including partial and total) 2 months (12 months for pre-existing ailments) No
Maternity and birth-related services 12 months No
Psychiatric care 2 months Yes 6
Rehabilitation 2 months Yes 11
Removal of tonsils and adenoids 2 months (12 months for pre-existing ailments) Yes
Shoulder reconstruction surgery and investigations 2 months (12 months for pre-existing ailments) Yes
Surgical extraction of wisdom teeth 2 months (12 months for pre-existing ailments) Yes
Theatre fees 1 2 months (12 months for pre-existing ailments) Yes
View all Hospital Benefits
Essentials Benefits Waiting period Included
Urgent Ambulance 2 7 Days Yes
Unlimited cover for urgent ambulance transport
Dental - General 2 months Yes
No Limit
- Fillings - Direct   Benefits from $39
- Extractions   Benefits up to $41-$99
- Mouthguard 3   Benefits up to $44
- Scale and clean (1st visit)   Benefits up to $36
- Consultation/examinations   Benefits up to $21-$45
Aid recovery equipment 2 months No
Antenatal classes 2 months No
Appliances 1-2 years depending on appliance No
- Nebuliser 2 years not covered
- Blood glucose monitor 2 years not covered
Chiropractic 2 months $300 combined maximum for Physiotherapy, Chiropractic, Podiatry and Pharmacy per year
Maximum includes x-ray
- Subsequent individual consultations   Benefits up to $17
- Initial individual consultation   Benefits up to $22
Maximum 1 p.p. per calendar yr
- Chiropractic x-ray   Benefits up to $64
Maximum 1 p.p. per calendar yr
Clinical Psychology 6 months No
- Consultations   not covered
Complementary Therapies 2 months No
Dental - Major 4 12 months No
- Root canal treatment   not covered
- Full dentures   not covered
- Bridges   not covered
- Crowns   not covered
- Tooth coloured Fillings - Indirect   not covered
- Veneer - Direct   not covered
- Veneer - Indirect   not covered
Dental - Implants and Orthodontics 4 12 months No
- Implants   not covered
- Orthodontics   not covered
Dietetics 2 months No
- Group consultations   not covered
- Subsequent individual consultations   not covered
- Initial individual consultation   not covered
Exercise Physiology 2 months No
Hearing Aid 36 months No
Occupational Therapy 2 months No
- Group consultation   not covered
- Other individual consultation (more than 30mins)   not covered
- Other individual consultation (less than 30mins)   not covered
- Initial individual consultation   not covered
Optical - Contact Lenses 2 months Yes 5
1 pair 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
- Bi-focal progressive lenses   Benefits up to $204
- Frequent replacement disposable contact lenses   Benefits up to $140
- Toric - rigid or soft lenses   Benefits up to $178
- Spherical rigid or soft contact lenses   Benefits up to $127
Optical - Glasses 2 months Yes 5
1 pair 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
- Frames & bi-focal lenses   Benefits up to $120
- Frames & single vision lenses   Benefits up to $90
Orthoptics - Eye Therapy 2 months No
Osteopathy 2 months No
- Subsequent individual consultations   not covered
- Initial individual consultation   not covered
Other Lifestyle Services 2 months No
Pharmacy 2 months Yes
- For pharmaceuticals listed on the HBF Benefit Schedule   Benefits cost of medicine less member co-payment 7
$300 combined maximum for Physiotherapy, Chiropractic, Podiatry and Pharmacy per year
Physiotherapy 2 months Yes
$300 combined limit for Physiotherapy, Chiropractic, Podiatry and Pharmacy per year
- Individual consultation by a Specialised Physiotherapist for continence and women's health 8   Benefits up to $48
Maximum 3 p.p. per calendar yr 9
- Group consultation   Benefits up to $8
- Individual consultation by a Specialised Physiotherapist for lymphoedema management 8   Benefits up to $48
Maximum 3 p.p. per calendar yr 9
- Subsequent individual consultations   Benefits up to $21
- Initial individual consultation   Benefits up to $27
Maximum 1 p.p. per calendar yr
Podiatry - Foot Orthoses 12 months No
- Diagnostic testing and biomechanical evaluation   not covered
- Foot Orthoses (including casting)   not covered
Podiatry 2 months Yes
$300 combined limit for Physiotherapy, Chiropractic, Podiatry and Pharmacy per year (foot orthoses not covered)
- Group consultation   Benefits up to $11
- Comprehensive consultation (clinic based)   Benefits up to $24
- Intermediate consultation (clinic based)   Benefits up to $20
- Brief consultations (clinic based)   Benefits up to $14
- Initial consultation (clinic based)   Benefits up to $26
Preventative Health 10 12 months No
Psychology 2 months No
Speech Therapy 2 months No
- Group consultations   not covered
- Subsequent individual consultation (over 45 minutes)   not covered
- Subsequent individual consultation (under 45 minutes)   not covered
- Initial individual consultation (over 45 minutes)   not covered
- Initial individual consultation (under 45 minutes)   not covered
Travel and Accommodation 2 months No
View all Essentials Benefits

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What is the
Medicare Levy Surcharge?

The Medicare Levy Surcharge is a charge that needs to be paid if you earn over a certain amount and don’t have private hospital cover. Below is a guide to how much you would need to pay based on your income.

Tax Calculator

Find out how much tax you can save if you take out private hospital cover before 30 June 2013.

$
$

As a single with no dependent children, and a taxable income of $, if you don't take out private hospital cover you’ll need to pay $ in additional tax next year.

As a couple with no dependent children, and a taxable income of $, if you don't take out private hospital cover you’ll need to pay $ in additional tax next year.

As a family with dependent children, and a taxable income of $, if you don't take out private hospital cover you’ll need to pay $ in additional tax next year.

As a single parent with dependent children, and a taxable income of $, if you don't take out private hospital cover you’ll need to pay $ in additional tax next year.

Instead of paying the Medicare Levy Surcharge, you could enjoy all the benefits of private hospital care, including choosing your doctor and avoiding long waiting lists.

Start over Find out more

As a single with no dependent children, your current taxable income of $ falls under the 2012/2013 Medicare Levy Surcharge threshold of over $ per year.

As a couple with no dependent children, your current taxable income of $ falls under the 2012/2013 Medicare Levy Surcharge threshold of over $ per year.

As a family with dependent child(ren), your current taxable income of $ falls under the 2012/2013 Medicare Levy Surcharge threshold of over $ per year.

As a single parent with dependent child(ren), your current taxable income of $ falls under the 2012/2013 Medicare Levy Surcharge threshold of over $ per year.

This means that you won't have to pay the Medicare Levy Surcharge.

However, private health insurance can still provide you with access to quality private hospital care when you need it, help you avoid long waiting lists and also pay benefits towards a whole range of common health services like dental, optical and physio.

Start over Find out more

Taxable income table

Singles Taxable Income $84,000 or less $84,001–97,000 $97,001-130,000 $130,001 or more
Familes Taxable Income $168,000 or less $168,001-194,000 $194,001-260,000 $260,001 or more
Medicare Levy Surcharge 0.0% 1.0% 1.25% 1.5%

Income thresholds will be based on Average Weekly Ordinary Time Earning (AWOTE). Single parents and couples (including de facto couples) are subject to the family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first.