Druids Friendly Society

This level of hospital cover has an excess that is payable by the member when hospitalised. There are also additional out of pocket expenses payable and some excluded or restricted benefits.

Druids Hospital Insurance is designed to suit your needs and your budget. Our Hospital Cover with Excess allows you to reduce the premium by agreeing to pay an amount of excess whenever you have to go to hospital. This cover also has some excluded and restricted benefits to help you lower the cost of health cover.

Payment of the Excess
$500 Single / $1000 Family

An excess of $500 per person to a maximum of $1000 per family per calendar year applies. After the excess has been paid there are further out of pocket expenses payable.

Exclusions and Restricted Benefits

The following benefits are not covered under this product:

- IVF, Surrogacy and any artificial means of conception
- Obstetrics
- Coronary artery disease
- Plastic and cosmetic surgery
- Hip Replacement
- Knee Replacement
- Renal and Peritoneal Dialysis

Benefits for Psychiatric and Rehabilitation services are restricted to those minimum amounts required by Private health insurance (Benefit Requirements) Rules 2008 as amended from time to time.

Private Hospitals with an agreement
If your hospital of choice is a Druids Agreement Hospital, the following out of pocket expenses will apply:-A maximum of $60 (shared ward) or $70 (private room) per night, or $30 (day procedure) will be charged for hospital bed fees.

Benefits for Hospital Cover with Excess
When treated in a private hospital without a Druids Friendly Society agreement, the following benefits will be payable after the excess if any is paid.

• Accommodation benefits of up to $567 per day
• Day Hospital benefits
• Lithotripsy treatment up to $900
• Operating theatre/labour ward fees of up to $1000 for advanced surgery and up to $600 for other services.

The table also includes a rebate for Surgically Implanted Prosthesis. Hospital in-patient doctors bills attract the standard Medical Gap benefit of 25% of the Commonwealth Medical Benefits Scheduled Fee.

Where your doctor is willing to participate in the Simplified Billing process an additional 20% above the Commonwealth Medical Benefits Schedule will be paid for the services provided .(Pathology and Radiology excepted.)

If you are treated in a public hospital as a private patient by a doctor of your choice, the Society will pay the full cost of a shared ward after the excess has been paid.

Contribution Rates

	Weekly	Monthly Direct Debit	Quarterly	H/Yearly	Yearly
Singles	$16.10	$67.70	$209.45	$402.15	$804.35
Family	$32.20	$135.45	$418.95	$804.35	$1608.70

All contribution rates are current from 1 June 2008

• The Federal Government's 30% Rebate on Private Health Insurance has already been deducted from these contributions -
find out more about the Rebate

• The Federal Government's Lifetime Health Cover age loading has not been included in these rates -
find out more about Lifetime Health Cover.