Druids Friendly Society

For those who prefer the advantage of reducing the cost of their Hospital Insurance while also adding the peace of mind of Ancillary and Dental benefits, Druids have combined the best of all these packages into Table HE3L.

This table offers you HE3 hospital benefits with the added assurance of the most utilised ancillary and dental benefits as listed. Should members prefer, full Ancillary and Dental benefits can be added to Hospital Cover with Excess. Please refer to HE3 product information for full explanation of hospital benefits, excess and exclusions.

Benefits for Hospital Cover with Reducing Excess & Extras

Item	Benefits	Yearly Limit
*Ambulance Emergency transportation only	100% of the cost of up to $2000	$2000 per person per year
*Chiropractic/Osteopathy	$18 per service $30 for first X-Ray	$450 per person per year
Dietitian	$18 per service	$450 per person per year
*Naturopathy	$18 per service	$450 per person per year
*Physiotherapy, Speech Therapy, Occupational Therapy, Eye Therapy (Combined Limit)	$18 per service	$450 per person per year
*Podiatry	$18 per service	$450 per person per year
*Optical (including tinting/contact lenses)	75% of the cost of up to $120	$120 per person per year
Visiting Nursing Service	$8 less than 6 hours $30 for more than 6 hours.	$450 per person per year

*Recognised Providers

To protect your interest, all ancillary services must be provided by practitioners, in private practice whose qualifications are recognised by Druids Friendly Society.

Benefits are not payable for physiotherapy services provided under arrangements with a public hospital. All Medicare levy payers are entitled to these services free of cost.

General Dental Benefits for Hospital Cover with Excess & Extras

Benefits of up to 75% of the dentist's fee are paid for the following dental benefits. Examinations, X-Rays, Extractions, Sedative Dressings and fillings, Prophylaxis and Porcelain Inlays.

The maximum limit for single members is $400 and a maximum of $800 for family memberships with a per person limit of $400 per year.

Contribution Rates for Hospital Cover with Excess & Extras

	MonthlyDirect Debit	Quarterly	H/Yearly	Yearly
Singles	$110.90	$343.00	$658.60	$1317.25
Family	$221.80	$686.05	$1317.25	$2634.50

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.

• The discounts offered for direct debit, half yearly and yearly subscriptions have already been deducted from these rates.