Protector Silver Plus Hospital 250 and Super Extras
A Hospital + Extras product from St Lukes Health. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.
Services covered (25)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $1,000 a year |
| Major dental | 12 months |
| $1,200 a yearShared with Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $1,200 a yearShared with Major dental |
| Orthodontics (braces) | 12 months |
| $1,000 a year |
| Glasses and contact lenses | 6 months |
| $300 a year |
| Non-PBS prescription medicines | 2 months |
| $600 a year |
| Physiotherapy | 2 months |
| $850 a yearShared with Antenatal and postnatal care, Exercise physiology, Orthoptics |
| Chiropractic | 2 months |
| $400 a yearShared with Osteopathy |
| Podiatry | 2 months |
| $400 a year |
| Psychology | 2 months |
| Not stated |
| Acupuncture | 2 months |
| $500 a yearShared with Remedial massage, Chinese herbal medicine |
| Remedial massage | 2 months |
| $500 a yearShared with Acupuncture, Chinese herbal medicine |
| Hearing aids | 36 months |
| Not stated |
| Blood glucose monitors | 12 months |
| $1,000 a yearShared with Orthotics |
| Audiology (hearing tests) | 2 months |
| $1,000 a yearShared with Dietetics, Home nursing, Occupational therapy, Speech therapy |
| Antenatal and postnatal care | 2 months |
| $850 a yearShared with Physiotherapy, Exercise physiology, Orthoptics |
| Chinese herbal medicine | 2 months |
| $500 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $1,000 a yearShared with Audiology (hearing tests), Home nursing, Occupational therapy, Speech therapy |
| Exercise physiology | 2 months |
| $850 a yearShared with Physiotherapy, Antenatal and postnatal care, Orthoptics |
| Orthoptics | 2 months |
| $850 a yearShared with Physiotherapy, Antenatal and postnatal care, Exercise physiology |
| Home nursing | 2 months |
| $1,000 a yearShared with Audiology (hearing tests), Dietetics, Occupational therapy, Speech therapy |
| Occupational therapy | 2 months |
| $1,000 a yearShared with Audiology (hearing tests), Dietetics, Home nursing, Speech therapy |
| Orthotics | 12 months |
| $1,000 a yearShared with Blood glucose monitors |
| Osteopathy | 2 months |
| $400 a yearShared with Chiropractic |
| Speech therapy | 2 months |
| $1,000 a yearShared with Audiology (hearing tests), Dietetics, Home nursing, Occupational therapy |
Not covered: Vaccinations, Health management programs
Annual limits
Services in the same group share one limit.
General dental
$1,000 a year
Major dental, Root canal (endodontics)
$1,200 a year
Orthodontics (braces)
$1,000 a year, $2,800 lifetime
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$600 a year
Physiotherapy, Antenatal and postnatal care, Exercise physiology, Orthoptics
$850 a year
Chiropractic, Osteopathy
$400 a year
Podiatry
$400 a year
Psychology
Not stated
Hearing aids
2 per 5 years
Blood glucose monitors, Orthotics
$1,000 a year
Audiology (hearing tests), Dietetics, Home nursing, Occupational therapy, Speech therapy
$1,000 a year, 2 per year
Acupuncture, Remedial massage, Chinese herbal medicine
$500 a year
Insurer's notes (original English)
Product features
Orthodontic limit included in annual Major Dental limit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit. Overall limit of $1000 per person applies to Health Appliances & Aids, individual limits apply. $250 sub-limit applies to foot orthotics. Approved health management programs when Super Extras taken with hospital cover. Member rewards apply after 5 years continuous membership.
Other services
Acupuncture, Remedial massage, Western herbal medicine, Alexander Technique, Myotherapy, Naturopathy and Shiatsu are included in the Complimentary Therapies annual limit.
Special features
Under Preventative Dental, we pay up to 100% of the average fee charged Australia wide up to the maximum benefit for each eligible service. This applies to examinations, x-rays, scale and clean and fissure sealing. If your dentist charges above the maximum benefit, or in excess of the average fee, a gap or out of pocket may apply. Annual limits, fund rules and waiting periods apply. A 2-month waiting period applies to Psychology with the exception of functional assessment for the purpose of diagnosing ADHS and/or autism spectrum disorders diagnosis which has a 12-month waiting period.
Frequently asked questions
How much does Protector Silver Plus Hospital 250 and Super Extras pay for a scale and clean?
What are the waiting periods for Protector Silver Plus Hospital 250 and Super Extras?
Can Protector Silver Plus Hospital 250 and Super Extras be bought on its own?
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