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Defence Health
tas  |  Hospital  |  Family

Starter Hospital Basic Plus

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Fund overview

Member benefits and HQ costs relative to members' premiums

This policy is underwritten by Defence Health Limited, which is the 7th largest fund by number of insured people in Australia.
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Treatment
Coverage
Wait (months)
Bone, joint and muscle
Description

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

Excluded
-
Brain and nervous system
Description

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

Excluded
-
Breast surgery (medically necessary)
Description

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

Excluded
-
Chemotherapy, radiotherapy & immunotherapy for cancer
Description

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.

Excluded
-
Diabetes management (excluding insulin pumps)
Description

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

Excluded
-
Digestive system
Description

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

Excluded
-
Ear, nose and throat
Description

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

Excluded
-
Eye (not cataracts)
Description

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

Covered
2
(12 if pre-existing condition)
Gastrointestinal endoscopy
Description

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

Covered
2
(12 if pre-existing condition)
Gynaecology
Description

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

Covered
2
(12 if pre-existing condition)
Hernia and appendix
Description

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

Covered
2
(12 if pre-existing condition)
Joint reconstructions
Description

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

Covered
2
(12 if pre-existing condition)
Kidney and bladder
Description

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

Excluded
-
Male reproductive system
Description

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

Covered
2
(12 if pre-existing condition)
Miscarriage and termination of pregnancy
Description

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

Covered
2
(12 if pre-existing condition)
Pain management
Description

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

Excluded
-
Skin
Description

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

Excluded
-
Tonsils, adenoids and grommets
Description

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

Covered
2
(12 if pre-existing condition)
Back, neck and spine
Description

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

Excluded
-
Blood
Description

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

Excluded
-
Dental surgery
Description

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

Covered
2
(12 if pre-existing condition)
Dialysis for chronic kidney failure
Description

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

Excluded
-
Implantation of hearing devices
Description

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

Excluded
-
Heart and vascular system
Description

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

Excluded
-
Lung and chest
Description

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

Excluded
-
Podiatric surgery (provided by a registered podiatric surgeon)
Description

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

Excluded
-
Assisted reproductive services
Description

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

Excluded
-
Cataracts
Description

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

Excluded
-
Hospital psychiatric services
Description

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

Limited cover
2
Insulin pumps
Description

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

Excluded
-
Joint replacements
Description

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

Excluded
-
Pain management with device
Description

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

Excluded
-
Palliative care
Description

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

Limited cover
2
Plastic and reconstructive surgery (medically necessary)
Description

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

Excluded
-
Pregnancy and birth
Description

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

Excluded
-
Rehabilitation
Description

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

Limited cover
2
Sleep studies
Description

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

Excluded
-
Weight loss surgery
Description

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

Excluded
-

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