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Health Insurance

SmartCare+

SmartCare+ is Accuro's top rated individual product for those who make their health a priority. The SmartCare range has been recommended by consumer experts for best product and price as well as highest customer satisfaction since its launch in 2008.




Key Benefits

General surgery

Covers the costs associated with surgical treatment, including private hospital costs, surgeons' and anaesthetists' fees, and specialist consultations and tests that occur in the year before and after the surgery. $500,000 per policy year.

Major diagnostic procedures

Covers the costs for diagnostic procedures such as angiograms, MRI scans, CT scans, and endoscopies, with or without admission to a private hospital. Major diagnostic procedures are included in the general surgery benefit.

Oral surgery (including wisdom teeth removal)

Covers the cost of oral surgeries, such as the removal of impacted or unerupted teeth, abscesses, cysts, soft tissue swellings and other medical (not dental) conditions of the mouth. $300,000 per policy year.

Private hospital medical admission

Covers the costs associated with admission to a private hospital for reasons other than surgery, this includes chemotherapy and radiation therapy. $300,000 per policy year.

Non-PHARMAC subsidised drugs

Covers the cost of non-PHARMAC subsidised drugs when used in the general surgery or private hospital medical admission benefit, ie: surgery or cancer treatment. Non-PHARMAC subsidised drugs are included in the general surgery or private hospital medical admission benefit. They are not a standalone benefit.

Cover while in Australia

Covers the cost of non-PHARMAC subsidised drugs when used in the general surgery or private hospital medical admission benefit, ie: surgery or cancer treatment. Non-PHARMAC subsidised drugs are included in the general surgery or private hospital medical admission benefit. They are not a standalone benefit.

Cover while in Australia

Reimburses medical costs for non-acute medical conditions incurred and treated in Australia.

Funeral support grant

Provides a lump sum if a member or participant dies from illness before the age of 66 years. $10,000.

Best Doctors®

Provides access to the Best Doctors® programme

Health check Active loyalty benefit

After three continuous years it covers the costs for a health check performed by a GP, every three policy years. $150 every three policy years.

Bowel screening Active loyalty benefit

After three continuous years it covers a bowel screening kit, every three policy years.




Four add-on module options

Specialist+

  • Specialist consultations $5,000
  • Diagnostic tests $5,000
  • Mental health (included under Specialist consultations) $500
  • Access to the Mental Health Navigator by Best Doctors®
  • Melanoma loyalty benefit $200 every 3 years

Natural Health+

  • Chiropractic and osteopath consultations up to $240
  • Other health practitioners up to $200

GP+

  • GP visits $55 per visit
  • Nurse visits $35 per visit
  • Prescriptions $400

Dental and Optical+

  • Optometrist consultations up to $300
  • Prescription glasses/contact lenses up to $300
  • Dental cover up to $500

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

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