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Hospital cover for things like:
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Includes the things you need like:
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As a bonus for paying by direct debit (MBF AutoPay):
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You'll get everything from:
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MBF Choices is designed for healthy, younger people who look after themselves. To keep it as affordable as possible, we've only included the hospital services you're likely to need.
As well as including services like removal of wisdom teeth and tonsils, shoulder, knee and ankle arthroscopy and reconstructions, you're immediately covered for Accidents and Emergency ambulance transport once you've made your payment and your application has been accepted.
What's covered
Provided the standard conditions of your cover are met, including that you are formally admitted to hospital, have served your waiting periods, are not claiming for an Excluded Service and Medicare pays a benefit, MBF Choices will help pay for the treatments listed below.
Included services
- Emergency ambulance transport where provided by an MBF Recognised Provider
- shoulder arthroscopy and reconstructions
- knee arthroscopy and reconstructions
- ankle arthroscopy and reconstructions
- removal of tonsils
- removal of adenoids
- removal of wisdom teeth
- appendicitis treatment (including removal)
Hospital and doctors benefits for included services include;
- same day admission (day surgery)
- intensive care
- operating theatre
- certain therapies such as physiotherapy, occupational therapy and speech therapy when provided by the hospital
- a hospital room of your own, where one's available
- Doctor's Charges in hospital - 100% cover where each doctor chooses to opt-in to the MBF Medical Gap Scheme for your treatment
- charges for radiography and pathology services (such as x-rays and blood tests) ordered by your doctor in hospital - 100% cover where MBF has an agreement with the practitioner providing the service
- most pharmaceuticals directly related to your admission
- surgically-implanted government-approved 'no gap' prostheses*
* A limited number of government-approved surgically-implanted prostheses are no-gap and will attract a gap which customers will have to pay
! You're 100% covered for all included services listed above in a public hospital or an MBF Network Hospital (subject to doctors' charges and prostheses charges) If you choose to be treated in a hospital that's not part of our Network, you could be left substantially out of pocket. The majority of private hospitals and day surgeries throughout Australia are MBF Network Hospitals. Click here to find an MBF Network Hospital near you.
Minimum Benefits: all other in-patient services not listed under included or Excluded Services, where a Medicare benefit is payable, are limited to 'Minimum Benefits'. These Minimum Benefits are limited to basic accommodation costs only and will adequately cover the cost of a public hospital admission. For admissions to private hospitals, including MBF Network and non-Network hospitals, this benefit is not sufficient and you are likely to experience a substantial gap. No benefit is paid towards the cost of theatre charges raised for these services.
What's not covered
Excluded Services
- pregnancy and birth-related services
- cardiac and cardiac-related services
- renal dialysis for chronic renal failure
- cataract and eye lens procedures
- joint replacements including revisions
No level of MBF hospital cover will pay for:
- out-patient services
- services that are not clinically necessary, eg cosmetic surgery
- experimental treatment
- patient contribution on PBS drugs not intrinsic to your hospital treatment and some very high cost drugs
- nursing home type patient contribution
- services not invoiced by the hospital
- personal and take-home items, eg newspapers, toiletries and crutches
Excluded Services: should you require treatment for a service which is excluded from your level of cover, no benefits are payable by MBF for any hospital or Doctors' Charges associated with that admission.
Your Excess
You (and your partner if you're covering them, too) pay the first $250 of any hospital charge - this is your $250 per person Excess. You agree to pay the Excess each time a person on your policy is admitted to hospital. This is limited to once per person per calendar year. So provided the standard conditions of your cover are met, MBF Choices will help pay for the treatments listed in What's Covered.
Waiting periods
There are services you can't claim for until you've held your hospital cover for a certain period of time. This is the waiting period. For hospital services you are covered (once you've made your payment and your application has been accepted):
- immediately for Accidents and Emergency Ambulance Transport
- after 12 months for pre-existing conditions
- two months for other conditions
Doctors' Charges
Medicare uses a Medicare Benefits Schedule Fee (MBS) for calculating rebates on Doctors' Charges. We encourage doctors (and pathologists and radiologists) to participate in the MBF Medical Gap Scheme. If each of your doctors opts-in to the scheme for your episode of treatment, we'll pay 100% of their charges for you. If your particular doctor doesn't, Medicare will pay 75% and we'll pay 25% of the MBS - you'll have to pay the rest. Talk to your doctors about their charges prior to your treatment.
We call them 'extras' because they're generally not covered by Medicare and you've got some excellent choices for controlling their costs. Whether you're up for a session of Acupuncture or choosing some new frames for your glasses, MBF Choices is there to help.
All Limits are per person, per calendar year unless otherwise stated and when provided anywhere in Australia by an MBF Recognised Provider.
Please Note: that where a 'per policy' Limit is stated this does not apply to Singles Cover
| Category & Item description | Waiting period | Limits |
|---|---|---|
| Dental Well Bonus | ||
| Preventive dental E.g. fluoride application, scale and clean, sports mouthguards |
2 months |
Dental has a combined Limit of $300 per person. Year 1 $300 per person Year 2 $400 per person Year 3 $500 per person Year 4 $600 per person Year 5 $800 per person |
| General dental E.g. simple fillings, simple extractions, X-rays |
2 months | |
| Major dental E.g. Indirect fillings and restorations, crowns (stainless steel), Veneers |
12 months | |
| Flexi Limits | ||
| Optical E.g. frames, prescription lenses, contact lenses Includes MBF MemberCare Optical |
6 months | Flexi Limits: Year 1 $300 per person Year 2 $350 per person Year 3 $400 per person Year 4 $450 per person Year 5 $500 per person |
| Physiotherapy and other therapies Physiotherapy* like initial, subsequent and group services, chiropractic, osteopathy, psychology |
2 months | |
| Pharmaceutical Most prescribed non-PBS listed drugs. PBS contribution deducted from each script, then pay 100% up to a maximum of $50 per script |
2 months | |
| Complementary Therapies Acupuncture, Alexander Technique, aromatherapy, Bowen Therapy, exercise physiology, Feldenkrais, herbalist, homeopathy, iridology, kinesiology, naturopathy, reflexology, remedial massage and Shiatsu |
2 months | |
| Travel Well Benefit Travel vaccinations: Hep A, Hep B, Typhoid, Yellow fever, Polio, Malaria |
2 months | |
| Emergency ambulance transport When provided by MBF Recognised Providers |
No waiting period | No annual Limit |
*Excludes ante and post natal physiotherapy services.
You can claim more on dental every year
Be rewarded for looking after your teeth. Our Dental Well Bonus means that the amount you can claim on all dental treatments goes up every year, as long as you have a preventive dental check up every 12 months. Starting at $300, at the end of five years you could claim up to $800 (which is the maximum).
Flexi Limits: mix your own benefits in the way that you want
In addition to the Dental Well Bonus, each person on your cover starts with a Limit of $300 annually that they can split up any way they like: claim more physio, less optical - whatever the right mix is - until the $300 is gone (subject to service Limits and Set Benefits). The Limit increases by $50 every year you're with MBF, up to the maximum of $500 per person annually.
Get 70%, 80% or 90% back with MBF MemberCare
You're in control with MBF Choices extras, because you choose what you get back at MBF MemberCare providers on selected optical, physio, chiro and general and preventive dental services. Depending on what level you choose, you will get 70%, 80% or 90% back of the charge on selected optical, physio, chiro and general and preventive dental. You can budget how much you'd like to pay for your monthly premium with how much you want to claim back from your visits - 70%, 80% or 90% - to work out what you think will be the best value for you. Search for an MBF MemberCare Provider.
Here's an example:
| at an MBF MemberCare dentist, you get a Simple Extraction of a tooth | MBF Choices with 70% back | MBF Choices with 80% back | MBF Choices with 90% back |
|---|---|---|---|
| An MBF MemberCare dentist could charge up to |
$118.50
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$118.50
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$118.50
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| MBF MemberCare, gives you back a Set Benefit of |
$82.95
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$94.80
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$106.65
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| which means you only have to pay |
$35.55
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$23.70
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$11.85
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The example above is for the services provided by Recognised Providers in South Australia. The MBF MemberCare Set Benefit amounts for services differ for each state and territory.
All Limits are per person per calendar year.
If your dentist, optometrist, physiotherapist or chiropractor is part of our MBF MemberCare network, we're able to pay greater benefits to you for selected services, compared to the standard set benefits you would receive from a non-MBF MemberCare Provider for the same service.
All MBF MemberCare Providers also have a maximum charge on a range of services. So, not only will your costs be contained, you'll have the certainty of receiving between 70%-90% of the charge back on most services.
Good-looking packages from MBF MemberCare Optical
Not only do we believe that your eyesight is important, we also want to help you achieve the look you're after. Through our growing MBF MemberCare network, you'll receive higher Set Benefits. Other ways you'll receive added value include:
- a range of fixed price packages onglasses and contact lenses - which could cost you nothing, depending on whether you hold Choices 70, Choices80 or Choices 90*. See the table below for 'no-gap' optical packages
- up to $100 off a wide range of fashion frames
- 70%-90% back on most lenses, depending on whether you hold Choices 70, Choices 80 or Choices 90
- 20% off a wide range of sunglasses
- 20% off non-standard contacts eg colour contacts.
An easy, instant way to claim
As well as these advantages, many MBF MemberCare Providers also offer you the convenience of MBF AutoClaim. Just swipe your MBF Card to make a claim and pay any 'gap' on-the-spot. It-s that easy. To find out more about MBF MemberCare arrangements and how they work, or to find the provider nearest to you, search for an MBF MemberCare Provider.
| No-gap optical packages for each level of MBF Choices | MBF Choices 70 | MBF Choices 80 | MBF Choices 90 |
|---|---|---|---|
| Disposable contacts - selected 12 months' supply purchased in-store |  |
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| Disposable contacts - selected 12 months' supply purchased over the internet | |
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| Glasses with single vision lens† | |
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| Glasses with single vision grind lens† |  |
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†Includes any frames valued up to $199.
The MBF Accident Cash Benefit and Travel Well Bonus are two unexpected bonuses for taking out MBF Choices cover and paying by direct debit (MBF AutoPay)*. Fracture your arm or worse; and you could be entitled to a cash payment of up to $10,000, under the MBF Accident Cash Benefit. And when you're planning to head overseas, you could receive eight free days worth of free travel insurance.
*MBF Accident Cash Benefit only available for 18-64 year olds.
MBF Accident Cash Benefit
If you have an accident, MBF may help pay the hospital bill. Plus, as a bonus for taking out MBF Choices, you could receive the extra protection of the MBF Accident Cash Benefit. When you've just experienced an Accident* that's left you with a fracture (or worse), you could receive a one-off payment to spend any way you choose.
With this bonus, if you suffer any of the identified Accidents*, you could be entitled to the following benefits:
- A one-off payment of up to $2,000 to spend any way you choose;
- Accidental Death* or Accidental Permanent Paralysis* - $10,000
- Reimbursement of an amount equivalent to your MBF Choices premium for up to 2 months
- No Accident Claim Bonus after 3 years which increases your cover, under MBF Accident Cash Benefit by 10%
If you're aged 18-64, covered under MBF Choices and paying by direct debit (MBF AutoPay), you'll automatically be provided with cover under MBF Accident Cash Benefit, at no additional cost.
*For full details about the MBF Accident Cash Benefit, including definitions, exclusions and conditions, see the Product Disclosure Statement [PDF, 153k] and Update to Product Disclosure Statement.
Travel Well Bonus
When you're planning to head overseas, MBF Choices has even more to offer.
- Claim on travel vaccinations as part of your MBF Choices extras cover
- Receive 8 free days of Budget level travel insurance annually^. Away longer than 8 days or would like a higher level of cover? That's fine - use the equivlaent discount towards your premium on any MBF Travel Insurance policy
^Subject to normal MBF Travel Insurance application process.
Any advice in this material is general advice only and does not take into account your individual objectives, financial situation or needs (your 'personal circumstances'). Before acting on it you should consider the appropriateness of it taking into account your personal circumstances. In applying for MBF Choices, if you are aged between 18-64 consider the Product Disclosure Statement for MBF Accident Cash Benefit, issued by MBF Life Limited, a copy of which is included in this brochure. Before making a decision about MBF Travel Insurance, issued by HBF Insurance Pty Ltd, consider the Product Disclosure Statement available by contacting MBF.
Make your cover work for you with in2life, a program only available to MBF Health customers. You get everything from online information on better ways to understand and manage your health and wellbeing, to discounts on gym membership, sports equipment, movie tickets, theme parks and more.
Get valuable health-related information and advice, plus a wide range of money-saving discounts, with MBF's exclusive in2life program.
in2life services
Ever wondered what your real health age is? It's just one of the things you can find out as part of our exclusive in2life program. Go to myMBF and look for the in2life Health Risk Assessment. This comprehensive questionnaire covers a range of important health and medical areas, and delivers you a report - including a real health age - that tells you how healthy you really are. You'll learn what your risk factors are, how you are tracking for your age, what could help you stay fit and well. Have a play and see what happens if you change a couple of bad habits or pick up a couple of good ones! You'll also be able to sign up for a program of regular emails that cover in more detail ways you can take action on particular health issues.
in2life partners
Being an MBF customer is the perfect way to get special treatment. We've chosen partners who will help you lose weight, improve your muscle tone, experience a rush of adrenaline and completely, utterly unwind. Click here for a listing of our in2life partners.
