SilverPlusAdvantageHospitalandEverydayExtras60.pdf

Unlimited ambulance cover Your guide to Simple and reliable; unlimited emergency and non-emergency ambulance cover Australia- wide for all medically necessary transport by air, land and sea. Australia-wide cover With over 550 participating hospitals and 36,000 Access Gap Doctors Australia-wide your cover will be right there with you whenever you need it. Your choice of Excess Silver Plus Advantage Hospital gives you the choice of three Excess options so you choose how much you want to pay should you be admitted to hospital. Page 1 of 3 | Phoenix Health Fund Silver Plus Advantage Hospital 1800 028 817 enquiries@phoenixhealthfund.com.au PO Box 156 Newcastle NSW 2300 ABN 93 000 124 863 Silver Plus Advantage Hospital Your choice of Excess With Silver Plus Advantage Hospital you have the choice between three Excess options. To reduce the cost of your premiums without compromising your level of cover, select a higher Excess option. $500$250 $750or or

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Your Hospital cover These are the included (✔), excluded (✘) and restricted (R) services included in your Silver Plus Advantage Hospital cover. Page 2 of 3 | Phoenix Health Fund Silver Plus Advantage Hospital Treatment Category Benefit Hospital Psychiatric Services R Back, neck and spine ✔ Blood ✔ Bone, joint and muscle ✔ Brain and Nervous System ✔ Breast surgery (medically necessary) ✔ Cataracts ✔ Chemotherapy, radiotherapy and immunotherapy for cancer ✔ Dental surgery1 ✔ Diabetes management (excluding insulin pumps) ✔ Dialysis for chronic kidney failure ✔ Digestive system ✔ Ear, nose and throat ✔ Eye (Not Cataracts) ✔ Gastrointestinal endoscopy ✔ Gynaecology ✔ Heart and vascular system ✔ Hernia and appendix ✔ Implantation of hearing devices ✔ Insulin pumps ✔ Joint reconstructions ✔ Joint replacements ✔ Kidney and bladder ✔ Lung and chest ✔ Male reproductive system ✔ Miscarriage and termination of pregnancy ✔ Pain management ✔ Pain management with device ✔ Palliative Care ✔ Plastic and reconstructive surgery (medically necessary) ✔ Podiatric surgery (provided by a registered podiatric surgeon) ✔ Rehabilitation ✔ Skin ✔ Tonsils, adenoids and grommets ✔ Assisted reproductive services ✘ Pregnancy and birth ✘ Sleep studies ✘ Weight loss surgery ✘ Using my cover in a Private Hospital If you're admitted as a Private Patient in a Private Hospital for any of the included services, Phoenix Health will provide benefits for the following: ✔ Day surgery and theatre fees ✔ Overnight accommodation ✔ Medicare recognised procedures ✔ Intensive Care Unit ✔ In-hospital pharmacy, pathology and medical supplies ✔ Specialist surgeons, Anaesthetist and Assisting or Attending Doctor's fees ✔ Private room (where available) Using my cover in a Public Hospital When you're admitted into a Public Hospital it's your choice whether you elect to be admitted as a public patient (your stay will be covered by Medicare), or a private patient (your admission will be covered by your private health insurance). Where you elect to be covered as a private patient in a Public Hospital, you will be eligible for accommodation benefits paid at a shared ward rate. So if you are given a private room, you may end up with out of pocket expenses. Please see the Phoenix Health Member Guide for more information about electing to be treated as a private patient in a public hospital. What is a Restricted Service? A restricted service provides the minimum (default) benefit as set by the Australian Government which means you are covered for accommodation only as a private patient in a shared ward of a Public Hospital. If you're admitted to a private room of a Public Hospital or a Private Hospital for a restricted service, you will experience high out of pocket costs. No theatre costs are covered for restricted services. The special things about your cover Unlimited ambulance cover - medically necessary Phoenix Health Silver Plus Advantage Hospital provides you with unlimited cover for all medically necessary ambulance treatment and transport across Australia - road, air and sea. Medically necessary means on-site treatment or transport to your closest hospital or emergency department for treatment of an acute medical condition or accident. Excess waiver for dependants We know you've got enough to worry about if your kids are sick so we always waive the Excess for dependants on the membership under the age of 25. Travel and accommodation benefits Benefits are available towards travel and accommodation expenses when travel of more than 300 kilometres return for a hospital admission is required. Contact us or refer to the Member Guide for more information about these benefits, and eligibility Hospital Care Programs We're with you throughout your hospital journey and have a range of programs available to help prepare you for a hospital admission and help you recover quicker at home. If you're planning a hospital admission, contact the Phoenix Health Team to learn more. 1Extras cover with dental benefits may be required for Dental Surgery, see the Phoenix Health Member Guide or contact us for more information.

Page 3 of 3 | Phoenix Health Fund Silver Plus Advantage Hospital PH FS PA H -2 20 8 Your Excess The Excess is payable on admission to hospital once per adult, per calendar year, regardless of how many times you need to go to hospital. With Silver Plus Advantage Hospital you have the choice between three Excess options; $250, $500 or $750, to reduce the cost of your premiums without compromising on cover select a higher excess level. The Excess is always waived for all dependants on the membership under the age of 25. Going to Hospital? This is what we know and where we can really help you out. As soon as you find out you'll need a hospital admission contact us so you can be confident in what to expect. We'll talk you through minimising doctor's fees and any other out-of-pocket costs as well as check your cover and discuss any pre or post-hospital support programs that we may have available for you. Let us help you, so you can focus on what's important; we're here for you. Access Gap For every Medicare recognised in-hospital procedure, Medicare sets out a schedule of fees called the Medicare Benefits Schedule (MBS). Your Doctor can charge above the MBS fee; if they choose to do so this will be your out-of-pocket cost. Enter Phoenix Health Access Gap Cover Scheme: it's your Doctor's choice to participate and where they do, your out-of-pocket expenses will be reduced or eliminated. For more information about Access Gap, check out the Member Guide or visit phoenixhealthfund.com.au/access-gap-cover-scheme. Looking for a participating Doctor? Or want to check out what hospitals we have agreements with? You can quickly search for a doctor, specialist or hospital by visiting our search tool at phoen