Platinum Plus

Police Health’s Platinum Plus provides the same total health package available in Platinum Health but also includes older non-student children from 21 through until they turn 25 , unless they are married or in a defacto relationship.

This is a true family cover specifically designed to suit families with older children. It does not matter if they are employed or unemployed, or living at home or away, they can still be covered under Platinum Plus. All this is available for just a small increase in premium over our Platinum Health package.

If the children you wish to cover are aged under 21, or 25 if they are studying full-time at a recognised institution, you won’t need Platinum Plus – our Platinum Health cover is all you’ll need.

Waiting Periods

Waiting periods may apply. For further information go to Important Information.

Premiums for Platinum Plus (Victoria)

Payment Method Fortnightly (Direct Debit) Quarterly Half-Yearly Yearly
Age of oldest person under policy Under 65 years 65 - 69 years Over 70 years

Family
(& Couples)
Single Parent
Family
Single
Base Tier
(Full Rebate)
- - -
Tier 1 - - -
Tier 2 - - -
Tier 3
(No Rebate)
- - -
Prices as of:
For descriptions on income tiers, see the Government Rebate page.

Important note: The premiums shown in this table are base rates applying to those having an existing hospital cover with a certified age of entry of 30 or, who join hospital insurance by June 30 following their 31st birthday. If neither of these apply, you need to contact Police Health for the Lifetime Health Cover premiums that will apply to you.

Benefits for Platinum Plus (Victoria)

VIC

Service Type Example of Benefits Annual Maximum per person * Rollover Maximum per person
General Dental
(2 months waiting period) Includes checkups, X-rays, simple extractions, fillings and root canal
Oral Exam ( 2 every calendar year) 80% up to $51.20 Unlimited N/A
Scale and clean ( 2 every calendar year) 80% up to $101.20
Filling- adhesive posterior 3 surface 80% up to $193.20
Mouth Guard (1 every calendar year) 80% up to $138.00
Major Dental 
(12 months waiting period) Includes crowns and dentures
Full crown-veneered 80% up to $1,380.00 $1,300

$2,600


Complete upper & lower dentures (1 every 3 yrs) 80% up to $1,794.00
12 month waiting period may be waived where it has been served with previous fund. Rollover Maximum available after 2 years membership.
 
N/A
Orthodontic
(12 months waiting period) Benefits apply to specialist orthodontists only 
1st yr $0 
2nd yr $800 
3rd yr $800 
4th yr $1,500
Lifetime limit- $3000 80% up to annual maximum
We recognise your time served with other health insurers and in many cases new members can go direct to our $1,500 Annual Maximum
 
Optical
(2 months waiting period)
Standard single vision lenses 80% up to $113.20 $330 $660
Standard progressive lenses 80% up to $276.00
Contact lenses, disposable-spherical 80% up to $134.40
Contact lenses, rigid 80% up to $249.60
Frames $110.00
At OPSM and Laubman & Pank. Standard single vision lenses 100%
Standard progressive lenses 100%
Contact lenses, disposable-spherical 100%
Contact lenses, rigid 100%
Frames $110.00
Physiotherapy 
(2 months waiting period)
Initial consult 80% up to $78.20 $850 Combined
Sub-limit for 
Exercise Physiology 
$400 per person, or $800 per family
$1,700
Subsequent consult 80% up to $65.50
Exercise Physiology
(2 months waiting period)
Initial consult 80% up to $69.00  N/A
Subsequent consult 80% up to $50.60
Chiropractic
(2 months waiting period)
Initial consult 80% up to $75.90 $700 Combined





$1,400 


(excludes complementary therapies)
Subsequent consult 80% up to $46.80
Naturopathy
(2 months waiting period)
Initial consult 80% up to $101.20
Subsequent consult 80% up to $68.10
Acupuncture 
(2 months waiting period)
Initial consult 80% up to $78.20
Subsequent consult 80% up to $70.20
Osteopathy
(2 months waiting period)
Initial consult 80% up to $87.40
Subsequent consult (16 - 30 mins) 80% up to $77.30
Complementary Therapies 
(2 months waiting period)
Therapies consult $25.00
Note: While many therapies are covered, some are not. Please refer to our Brochure for more information.
Speech Therapy 
(2 months waiting period)
Initial consult (46-90 mins) 80% up to $126.00 $850 $1,700
Subsequent consult (46-90 mins) 80% up to $115.20
Occupational Therapy
(2 months waiting period)
Initial consult (76-90 mins) 80% up to $147.20 $600 $1,200
Subsequent consult (46-60 mins) 80% up to $101.20
Corrective Laser Eye Surgery
(3 years continuous membership with Platinum Health or Platinum Plus, or both) 
Lifetime Limit- $1600 $800 per eye service   $1600  N/A
Eye Therapy 
(2 months waiting period)
Initial consult 80% up to $50.60 $600 $1,200
Subsequent consult (< 30 mins) 80% up to $41.40
Dietary 
(2 months waiting period)
Initial consult 80% up to $105.80 $600 $1,200
Subsequent consult 80% up to $59.80
Podiatry 
(2 months waiting period)
Initial consult (46-75 mins) 80% up to $70.95 $700 $1,400
Subsequent consult (< 20 mins) 80% up to $66.25
Psychology
(2 months waiting period)
Consultations (46-60 mins) 80% up to $150.80 $850 $1,700
Ambulance
(2 months waiting period)
 Emergency & clinically required non-emergency transportation and treatment not requiring transport 100%   unlimited N/A 
Pharmaceutical 
(2 months waiting period) Available at any pharmacy
(excludes government subsidised PBS prescriptions) $600 $1,200
Per script Up to $50 after you pay the first $20
Note: While many medicines are covered, some are not. $20 may increase for dispensing greater than the minimum standard packaged quantity. For more information.
Health Appliances
(12 months waiting period)
Hearing aids 80% $1200 per 5 yrs N/A
Nebulisers 80% up to $200 1 unit per 3 yrs
Blood glucose monitors 80% up to $250 1 unit per 3 yrs
Blood coagulation monitor (INR)  80% up to $400 1 unit per 3 yrs 
(Doctor's referral required on all appliances)  
School Accident
(2 months waiting period)
Additional benefits apply to clinically required services resulting from an accident whilst travelling to or from school (some restrictions apply).  100% $500   N/A

* Rollover Maximum available after 12 months membership with extras cover, except Major Dental which requires 2 years membership.

Note: All the benefits shown here are payable only on services and at health providers recognised by Police Health.

What is not covered in hospital cover (non exhaustive list*)
 

  • Services incurred before waiting periods have been served.

  • Treatment for which Medicare does not pay a benefit, including cosmetic surgery. (Some benefits may be payable for hospital treatment following this surgery. Contact Police Health for more details.)

  • Services that are provided outside the Commonwealth of Australia.

  • Services where an entitlement exists or may exist under any compensation, sports club or third party insurance.

  • A claim for a service that is submitted more than two years after the date of service.

  • Outpatient services unless there is an agreement between Police Health and the hospital.

  • Pharmaceuticals not related to the reason for hospitalisation or not covered under the agreement with the hospital or provided on discharge.

  • Exceptional high cost drugs that may be excluded or limited.

  • Prostheses items that are not included on the Federal Government approved list.

  • charges greater than the benefit defined in the Federal Governments Prosthesis List.

  • Personal and take-home items, e.g. newspapers, toiletries, television, hairdressing, manicure, etc.

  • Treatment provided to a person in a hospital emergency department.

  • Aged care and accommodation in an aged care facility.

  • If you are in hospital for more than 35 consecutive days and not classified as an acute care patient, your benefits will significantly reduce.

  • Benefits for ambulance services covered by a third party arrangement such as a State/Territory transportation scheme.

* This provides a general description of what is not covered. Should you require information about a particular treatment or benefit please contact Police Health.

What is not covered in general treatment (non exhaustive list**)

  • Claims for a service that has exceeded the Annual Maximum & Rollover Maximum.

  • The second and subsequent consult with the same profession on the same day.

  • Where the service charge exceeds the fee recognised by Police Health, the benefit you receive may be less than 80% of your cost.

  • Where the service provider is partner, dependent, or parent of the person being treated. Business partners within the practice are also excluded.

  • Services incurred before a waiting period has been served.

  • Services where a Medicare benefit is payable.

  • Services that are provided outside the Commonwealth of Australia.

  • Services where an entitlement exists or may exist under any compensation, sport club or third party insurance.

  • A claim for a service that is submitted more than two years after the date of service.

  • Services provided by practitioners not registered or recognised by the fund.

  • Benefits for ambulance services covered by a third party arrangement such as a State/Territory transportation scheme.

** This provides a general description of what is not covered. Should you require information about a particular treatment or benefit please contact Police Health. Benefits are correct as of .