Peoplecare was founded in 1952, as the health fund for John Lysaght Australia, later expanding to BHP employees. In 2006, the fund changed its name to Peoplecare, and opened up its membership to the general public.
Peoplecare is a not-for-profit mutual fund, 100% owned by more than 34,000 members. It’s part of Members Health Fund Alliance.
Peoplecare has five straightforward hospital plans, with simple tiers of Bronze, Silver, Silver Plus and Gold. Four extras policies are also available.
Members can get discounts at a range of retailers, across dentists, optical retailers and travel insurance. You’ll also receive a gift card if you refer a friend or family member.
Nobody chooses to go to hospital. But when you do, appropriate hospital cover will help you get the treatment you need, where and when you want it. It also helps to pay the bills, as fees for hospital rooms and specialists can add up.
Think about what services you’re likely to need, in line with your budget. If you earn over $90,000 individually or $180,000 as a couple, you could avoid paying the Medicare Levy Surcharge.
Peoplecare’s hospital plans are as straightforward as they come, with generous inclusions across all policies.
Emergency ambulance cover is included on all hospital policies after a one-day waiting period. This includes land, sea and air ambulance with no annual limits.
Extras insurance helps cover the bills for routine treatments with rebates of up to 100% and covers out-of-hospital treatments such as dental, optical, to chiro and more,
While we’ve summarised the key points of each plan below, it’s always worth digging a little deeper into any gap fees, how much you can claim back, and whether your preferred healthcare provider, such as your local dentist, has an agreement with the health fund.
Take the time to work out what you need and what you’re prepared to pay. If this feels a bit overwhelming, you can speak to one of our experts who can talk you through what’s included in each extras policy.
Peoplecare offers four simple extras policies to suit a range of needs.
To stop people signing up, claiming, then cancelling their health insurance, all insurers apply waiting periods. Generally, the more expensive the treatment, the longer you’ll wait. But keep an eye out for special deals with waiting periods reduced or waived.
Members can get discounts at a range of retailers, across a large number of dentists, optical retailers. They also offer travel insurance discounts.
Peoplecare members living in Wollongong, NSW can also get discounts at the city’s Peoplecare Eyes and Teeth clinic.
Claim on the spot through the HICAPS payment system at your provider. You can also claim through Peoplecare’s Larry app or the Online Member Services hub. You can also email or post your claim form.
Peoplecare has agreements with most private hospitals and day clinics across Australia. When comparing policies, it’s worth checking if your local hospitals and clinics are covered. Our specialists at Health Insurance Comparison can do this for you.
Peoplecare received 2 complaints from 1 January to 30 March 2020. That’s 0.2% of complaints vs 0.5% market share, indicating customer service is excellent.
Children are allowed to stay on a Peoplecare family policy up to the age of 21. If they’re studying full time, dependents can be covered as a student under a family policy up to the age of 25. Children must not be married or living in a de facto relationship.
Peoplecare also offers Family Plus Cover, a product that allows non-student children to stay on their parents’ policy until the age of 25 for an extra 30% premium.
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