Primary healthcare cover
Essential / Essential Advance
Event
Benefit description
General practitioners
Unlimited general practitioner events, at a general practitioner that is part of the Universal Healthcare Provider Network, per insured person per 12-month period, including acute medication. Specified small office procedures are also included e.g. stitching of a wound.
Chronic medication for a specified number of conditions per option
Cover for 26 conditions, subject to chronic condition registration. Chronic medication obtainable from a dispensing doctor or pharmacy who is part of the Universal Healthcare Provider Network. Subject to a medicine formulary and reimbursed up to a benefit limit per insured person per month per registered condition.
Basic radiology (X-rays)
Specified X-rays, at a radiologist as requested as part of a general practitioner event. Reimbursed up to a procedure limit per event.
Basic pathology
Specified pathology tests, as requested as part of a general practitioner event. Reimbursed up to a procedure limit per event.
Optometry
One eye test event and 1 pair of specified single or bifocal lenses and frame, at an optometrist who is part of the Universal Healthcare Provider Network reimbursed up to a procedure limit per event, per insured person every 24-months.
Basic and emergency dentistry
Specified basic and emergency dental procedures, at a dentist who is part of the Universal Healthcare Provider Network, reimbursed up to a procedure and/or benefit limit per event, per insured person per 12-month period.
Standard / Standard Advance
Event
Benefit description
General practitioners
5 general practitioner events, at a general practitioner that is part of the Universal Healthcare Provider Network, per insured person per 12-month period, including acute medication. Specified small office procedures are also included e.g. stitching of a wound.
Chronic medication for a specified number of conditions per option
Cover for 15 conditions, subject to chronic condition registration. Chronic medication obtainable from a dispensing doctor or pharmacy who is part of the Universal Healthcare Provider Network. Subject to a medicine formulary and reimbursed up to a benefit limit per insured person per month per registered condition.
Basic radiology (X-rays)
Specified X-rays, at a radiologist as requested as part of the 5 general practitioners events per insured person per 12 month period. Reimbursed up to a procedure limit per event.
Basic pathology
Specified pathology tests, at a pathologist as requested as part of the 5 general practitioners events per insured person per 12 month period. Reimbursed up to a procedure limit per event.
Optometry
One eye test event and 1 pair of specified single or bifocal lenses and frame, at an optometrist who is part of the Universal Healthcare Provider Network, reimbursed up to a procedure limit per event, per insured person every 24-months.
Basic and emergency dentistry
Specified emergency dental procedures, at a dentist who is part of the Universal Healthcare Provider Network, reimbursed up to a procedure and/or benefit limit per event, per insured person per 12-month period and subject to an overall annual limit.