Doctors Health Fund - Private Health Insurance Cover for Medical Professionals and their Family
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Doctors Health Fund - Private Health Insurance Cover for Medical Professionals and their Family
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Smart Starter Bronze Plus

Entry-level hospital cover with more inclusions than Bronze-level cover, specially designed for young singles and couples.
  • Available only for single and couples memberships
  • Specially designed for fit and healthy singles and couples getting started in health insurance (who aren’t planning to get pregnant soon). It covers you for the things you’re likely to need and nothing you don’t (such as hip replacements and cataracts).
  • Provides national cover on ambulance services for emergency and medically-necessary trips, including transfers between hospitals.
  • Covers all the costs of accommodation in a contracted private hospital, contracted day-only facility or a public hospital as a private patient, once any excess has been paid.
  • Gap Cover: Access Gap Cover scheme

There are other important things to know about when considering health cover, like waiting periods and pre-existing conditions.

Smart Starter

Bronze Plus

*
Hospital excess
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*This premium is for a single in NSW that includes the full Australian Government Rebate of .
Inclusions
Restrictions
Exclusions
Inclusions
Restrictions
Exclusions

Inclusions

Ambulance
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Waiting period: 1 day
Ambulance
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Waiting period: 1 day
Waiting period1 day
Palliative care
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Waiting period: 2 months
Palliative care
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Waiting period: 2 months
Waiting period2 months
Brain and nervous system
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Waiting period: 2 months
Brain and nervous system
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Waiting period: 2 months
Waiting period2 months
Eye (not cataracts)
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Waiting period: 2 months
Eye (not cataracts)
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Waiting period: 2 months
Waiting period2 months
Ear, nose and throat
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Waiting period: 2 months
Ear, nose and throat
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Waiting period: 2 months
Waiting period2 months
Tonsils, adenoids and grommets
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Waiting period: 2 months
Tonsils, adenoids and grommets
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Waiting period: 2 months
Waiting period2 months
Bone, joint and muscle
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Waiting period: 2 months
Bone, joint and muscle
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Waiting period: 2 months
Waiting period2 months
Joint reconstructions
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Waiting period: 2 months
Joint reconstructions
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Waiting period: 2 months
Waiting period2 months
Kidney and bladder
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Waiting period: 2 months
Kidney and bladder
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Waiting period: 2 months
Waiting period2 months
Male reproductive system
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Waiting period: 2 months
Male reproductive system
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Waiting period: 2 months
Waiting period2 months
Digestive system
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Waiting period: 2 months
Digestive system
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Waiting period: 2 months
Waiting period2 months
Hernia and appendix
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Waiting period: 2 months
Hernia and appendix
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Waiting period: 2 months
Waiting period2 months
Gastrointestinal endoscopy
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Waiting period: 2 months
Gastrointestinal endoscopy
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Waiting period: 2 months
Waiting period2 months
Gynaecology
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Waiting period: 2 months
Gynaecology
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Waiting period: 2 months
Waiting period2 months
Miscarriage and termination of pregnancy
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Waiting period: 2 months
Miscarriage and termination of pregnancy
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Waiting period: 2 months
Waiting period2 months
Chemotherapy, radiotherapy and immunotherapy for cancer
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Waiting period: 2 months
Chemotherapy, radiotherapy and immunotherapy for cancer
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Waiting period: 2 months
Waiting period2 months
Pain management
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Waiting period: 2 months
Pain management
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Waiting period: 2 months
Waiting period2 months
Skin
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Waiting period: 2 months
Skin
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Waiting period: 2 months
Waiting period2 months
Breast surgery (medically necessary)
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Waiting period: 2 months
Breast surgery (medically necessary)
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Waiting period: 2 months
Waiting period2 months
Diabetes management (excluding insulin pumps)
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Waiting period: 2 months
Diabetes management (excluding insulin pumps)
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Waiting period: 2 months
Waiting period2 months
Blood
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Waiting period: 2 months
Blood
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Waiting period: 2 months
Waiting period2 months
Plastic and reconstructive surgery (medically necessary)
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Waiting period: 2 months
Plastic and reconstructive surgery (medically necessary)
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Waiting period: 2 months
Waiting period2 months
Dental surgery
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Waiting period: 2 months
Dental surgery
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Waiting period: 2 months
Waiting period2 months
Podiatric surgery (provided by a registered podiatric surgeon)
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Waiting period: 2 months
Podiatric surgery (provided by a registered podiatric surgeon)
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Waiting period: 2 months
Waiting period2 months
Sleep studies
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Waiting period: 2 months
Sleep studies
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Waiting period: 2 months
Waiting period2 months
Silver inclusion
Gold inclusion

Restrictions

These services are limited to delivery as a private patient in a public hospital in a shared room.
Rehabilitation
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Waiting period: 2 months
Rehabilitation
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Waiting period: 2 months
Waiting period2 months
Hospital psychiatric services
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Waiting period: 2 months
Hospital psychiatric services
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Waiting period: 2 months
Waiting period2 months

Exclusions

Heart and vascular system
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Heart and vascular system
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Lung and chest
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Lung and chest
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Back, neck and spine
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Back, neck and spine
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Implantation of hearing devices
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Implantation of hearing devices
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Cataracts
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Cataracts
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Joint replacements
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Joint replacements
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Dialysis for chronic kidney failure
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Dialysis for chronic kidney failure
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Pregnancy and birth
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Pregnancy and birth
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Assisted reproductive services
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Assisted reproductive services
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Weight loss surgery
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Weight loss surgery
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Insulin pumps
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Insulin pumps
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Pain management with device
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Pain management with device
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'Smart Starter Bronze Plus' Factsheet

Things you should know

Pre-existing conditions
Excess
Waiting periods
Gap Cover: Access Gap Cover scheme

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Total Extras

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Doctors' Health Fund - Private Health Insurance Cover for Medical Professionals and their Family
© 2019 Doctors Health Fund
ABN 68 001 417 527
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