Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system, e.g. carpal tunnel, fractures

Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system, e.g. stroke

Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction / reduction following breast surgery, e.g. breast tumours

Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system.

Hospital treatment for the investigation and management of diabetes, e.g. stabilisation of hypo- or hyper- glycaemia

Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel, e.g. irritable bowel syndrome

Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck, e.g. damaged ear drum

Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket, e.g. retinal detachment

Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope, e.g. colonoscopy

Hospital treatment for the investigation and treatment of the female reproductive system, e.g. endometriosis

Hospital treatment for the investigation and treatment of a hernia or appendicitis

Hospital treatment for surgery for joint reconstructions, e.g. torn tendons

Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder, e.g. kidney stones

Hospital treatment for the investigation and treatment of the male reproductive system including the prostate, e.g. male sterilisation, prostate cancer

Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.

Hospital treatment for pain management that does not require the insertion or surgical management of a device, e.g. injection of a nerve block

Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails, e.g. melanoma

Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.

Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion, e.g. sciatica, spinal disc replacement

Hospital treatment for the investigation and treatment of blood and blood-related conditions, e.g. blood clotting disorders and bone marrow transplants

Hospital treatment for surgery to the teeth and gums. For example: surgery to remove wisdom teeth, and dental implant surgery.

Hospital treatment for dialysis treatment for chronic kidney failure. For example: peritoneal dialysis and haemodialysis.

Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device. Stapedectomy is listed separately under Ear, nose and throat.

Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system, e.g. heart failure and heart attack

Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest, e.g. lung cancer, asthma, pneumonia

Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon

Hospital treatment for fertility treatments or procedures, e.g. egg retrieval, IVF

Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders, e.g. schizophrenia, depression

Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain, e.g. infusion pump

Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including pain alleviation

Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, e.g. burns requiring a graft

Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

Hospital treatment for physical rehabilitation for a patient related to surgery or illness, e.g. stroke recovery

Hospital treatment for the investigation of sleep patterns and anomalies. For example: sleep apnoea and snoring.

Hospital treatment for surgery that is designed to reduce a person’s weight, or remove excess skin due to weight loss, e.g. gastric banding

Treatment for or relating to your teeth provided by a dentist or a dental surgeon. Typically this includes check-ups, cleans, and simple fillings. See also: Major dental.

Includes prescription lenses, spectacle frames, and contact lenses. Insurers do not pay benefits for optometrist's consultations as these are generally eligible for Medicare benefits.

Chiropractors use spinal adjustments to treat health problems that are related to nerves, skeletons and muscles.

An exercise physiologist specialises in the benefits of exercise for good health and the treatment of medical conditions.

Osteopathy is a holistic approach to health that stresses manual readjustments and physical manipulation of muscle tissue and bones, e.g. individual exercise routines, relaxation techniques, or body awareness sessions.

Physiotherapists treat injury, disease and disorders through physical methods. Physiotherapy uses manual therapies, exercise programs and electrotherapy techniques to improve movement, reduce pain and stiffness, and increase quality of life.

Dietitians specialise in human nutrition based upon a persons medical condition and individual needs.

Covers some of the costs of approved health-related programs e.g. weight management programs or nicotine replacement therapy.

Psychologists deal with people in their everyday lives or within their work environment to help them function better and to prevent the development of problems in mental and physical health. Some general treatment policies provide benefits for psychology - check with health insurers for details.

Acupuncture treatment involves inserting small needles into various points in the body to stimulate nerve impulses.

Deep massage to treat injuries and speed recovery (for example, strains, sprains, bruising).

Significant dental services, such as complex fillings, tooth extractions, crowns and bridges.

Specialised dental treatment relating to dental pulp. This includes treating tooth pain and root canal treatment.See also: General dental, Major dental.

The branch of dentistry that specialises in the diagnosis, prevention and treatment of dental and facial irregularities. This generally involves the use of braces, removable appliances, functional appliances or headgear.

A device to measure the concentration of glucose in the blood. Benefits for blood glucose monitors may be deducted from an overall health aid limit – check with your insurer for details.

A device to amplify and change sound to assist people with hearing impairments. Benefits for hearing aids may be deducted from an overall health aid limit.

Includes prescription pharmaceuticals which are not listed on the Australian government’s Pharmaceutical Benefits Schemes (PBS). Pharmaceutical benefits usually require a co-payment from you.

Podiatrists are specialists in foot, ankle and lower limb health.