With SmartCare 1, our comprehensive base plan, you’re covered for just about every cost associated with hospital and surgical care. It means you can rest assured that you’ll be well looked after without having to worry about the costs of your care.

What’s more, SmartCare 1 rewards you for being healthy. You get a free health ‘warrant of fitness’ check every three years and if the results say you’re a healthy weight, let us know and we’ll give you a discount on your premiums.

Here’s an example of just some of the other benefits you get with SmartCare 1:

• General and oral surgery of up to $150,000 a claim including accommodation and physiotherapy in private hospital, and surgeons’ and anaesthetists’ fees.
• Non-surgical hospital care of up to $65,000 a year, for instance non-surgical cancer treatment (up to $25,000 per course), oncology consultations / treatment following surgery and treatment for asthma and diabetes.
• Major diagnostic procedures such as MRI and CT scans and angiograms. 
• Specialist and diagnostic consultations before and after hospitalisation.
• Overseas treatment of up to $25,000 a year for necessary surgery. 
• Bereavement grant of $2500 if you or your partner dies from illness between the ages of 21 and 65.
• Contribution to vascectomy or sterilisation for women of up to $3000 after three years.

SmartCare 1 has so many more benefits – see the schedule of benefits for full details. There’s a number of excess options to choose from – from $0 to $4000 – and the greater the excess the lower the premium so you’re in control. What’s more, there’s no stand-down for SmartCare 1 so you’re covered from day one.