I want peace of mind protection
Our Hospital Select Plan is designed to keep premiums affordable and sustainable over time - protect your family against the high costs of surgery - and help you deal with unexpected medical issues faster - meaning earlier intervention, less time off work or waiting time for surgery, and in most cases, a better outcome or recovery.
Full hospital cover - that offers up to
$300,000* of benefits
(per admission) across surgery and related consultations
Plus, cover for many pre-existing conditions after 3 years
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Pre-Existing Conditions Covered after 3 years
As a bonus of joining the HealthCarePlus Hospital Select Plan, UniMed provides cover for many pre-existing conditions after you have been insured in the scheme for 3 years. As part of their offer they will provide details as to any conditions that they will provide cover for after 3 years and any serious medical condition that will be excluded for the life of the policy.
What is a pre-existing Condition?
1. A pre-existing condition is a health or medical condition that was in existence on or before the person’s Cover Start Date.
2. At that time the person:- May have known about the condition; or
- May not have known about the condition, but did know of a health history or symptoms which could have indicated the possible existence of the condition to a medical practitioner.
If any of these conditions are developed after joining the HCP Hospital plan they would be fully covered subject to the normal terms and conditions of the plan.
However, there are some pre-existing conditions that are permanently excluded for the life of the scheme; (Cardiovascular/vascular related conditions, Conditions that may result in the requirement for joint replacement surgery, musculoskeletal conditions including injuries, Cancer, Gynaecological disorders).
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Surgery Benefit maximums may apply
Includes:
- Up to 300,000 cover per admission
- Oral Surgery
- Minor surgery by a GP up to $500
Benefit maximum: Benefit maximums may apply
-
Cancer Care Benefit maximums may apply
Includes:
- Consultations (six months prior and six months after surgery)
- Diagnostic tests
- Surgery
- Radiation oncology
- Chemotherapy
Benefit maximum: Benefit maximums may apply
-
Imaging Benefit maximums may apply
Includes:
- CT Scan
- MRI Scan
- PET Scan
- Cardioversion
- Myocardial Perfusion Scan
- Scintigraphy
- Surgical imaging - colonoscopy and gastroscopy
Benefit maximum: Benefit maximums may apply
-
Specialist/Tests Benefit maximums may apply
Includes:
- Consultations
- X-rays
- Mammograms
- Ultrasounds
Waiting period: six months prior and six months after surgery
Benefit maximum: Benefit maximums may apply
-
Rewards for Loyalty Benefit maximums may apply
Includes:
- Sterilisation procedures
- Overseas surgery
- Obesity surgery grant
Benefit maximum: Benefit maximums may apply
Hospital Select documents
We have grouped together the most commonly requested documents and the latest version of the policy document.