Peoplecare Health Insurance Questions & Answers

Hi Chloe, thanks for getting in touch!

If you're transferring from another fund, Peoplecare will recognise any waiting periods you've already served if you switch to a similar level of cover within 30 days of leaving the other fund. If you'd like more info, please give us a buzz on 1800 808 708 or we can have one of our customer service experts give you a call and answer any questions you have!

Take care Monique @ Peoplecare

Thanks for getting in touch Steve. Sorry for the late response, we only just came across this one. Most funds don’t pay towards tests in emergency as the hospital considers you as an outpatient until you’re actually admitted as a patient. However, the hospital should be upfront with you about this and the fees involved. I hope this helps, please let us know if you have any more questions. If you’d like more info on our available covers PM us your details and I can have one of our Customer Service Experts contact you, or give us a buzz on 1800 808 700. Take care - Brooke @ Peoplecare

Hi John! Thanks for getting in touch. Hip replacements are covered under our Premium Hospital cover as a Private Patient in a Private Hospital. You would then also be covered for rehabilitation after your hospital stay. We’d be happy to chat to you further about this to make sure you have all the info you need before joining such as excess, out of pocket expenses and waiting periods.

Please give us a buzz on 1800 808 700 or private message us your details and a time and date that would suit you best and one of our experts would be happy to give you a buzz. Take care – Brooke @ Peoplecare

Thanks for getting in touch, Alice! Endoscopy is covered in a private hospital on our Basic, Mid and Premium hospital covers.
We’d be happy to chat to you further about this to make sure you have all the info you need such as excess, out of pocket expenses and waiting periods.

Please give us a buzz on 1800 808 700 or private message us your details and a time and date that would suit you best and one of our experts would be happy to give you a buzz. Take care – Brooke @ Peoplecare

Thanks for getting in touch, Sammy! Obesity surgery is covered under our Premium Hospital cover. Keep in mind there’s a 12 month waiting period if you haven’t previously been covered for this service.

In an ER you’re treated as an Outpatient (with all services covered by Medicare) so hospital cover doesn’t apply. It’s only when admitted into the hospital as a patient your hospital cover comes into the picture.

We’d be happy to chat to you further about this. Please give us a buzz on 1800 808 700 or private message us your details and a time and date that would suit you best and I can get one of our experts to give you a buzz. Take care – Brooke @ Peoplecare

Thanks for getting in touch, Peter! These item numbers are covered under our basic hospital cover, however we’d like to make sure you have all the info you need before your hospital stay. We’d be happy to chat to you further about this. Please give us a buzz on 1800 808 700 or private message us your details and a time and date that would suit you best and I can get one of our experts to give you a buzz. Take care – Brooke @ Peoplecare

Hi explorer2203, we sure can look at a cover that suits your family!

There are many benefits if you join the Peoplecare family.
- Because we’re not for profit, we’re all about you. Our staff love answering the phone in person, and we love giving you simple answers to your questions.
- We have great benefits for dental, optical, physio, chiro and natural therapies.
- We have arrangements with over 30,000 doctors and 500 private hospitals around Australia.
- We also have Medical Gap cover with participating doctors.

In regards to your cover, we offer 3 levels of Hospital and 4 levels of Extras. To help us find the right cover for you, we will need know if you’re wanting to compare to your current cover with HCF? If not, just let us know what you want to be covered for and we’ll look at a cover that suits you.

Also with your family of 7, if anyone of your dependants are over the age of 21 and are studying fulltime they can remain on your cover for no extra premium. If they’re not studying and are still dependant on you, your cover would increase to Family Plus which is an additional 30% added to the family premium. The maximum age a dependant can remain on your cover is 25.

If you would like us to call and go through our covers, please give us a buzz on 1800 808 700 or private message us your details and a time and date that would suit you best and I’ll get one of our experts to give you a buzz.

I hope this helps! Take care – Rosita @ Peoplecare

Thanks for getting in touch, Pooney! As a not for profit we are always looking at ways to keep our costs in check so we only have one head office in Wollongong (just south of Sydney) but there are plenty of easy ways to deal with us. You can always give us a buzz on 1800 808 700 - our staff love a good chat or you can flick us an email at [email protected] and we’d be happy to help. Take care, Brooke @ Peoplecare

Hi Stella

Thanks for getting in touch.

Peoplecare has agreements with most private hospitals (98%) across Australia. These agreements make sure that a contracted schedule of fees (including in-patient accommodation, theatre and special unit accommodation) is charged by the hospital and paid by Peoplecare on our member’s behalf.

We don’t have preferred providers, so you are able to choose whatever doctor you like. We do however have a scheme called Access Gap with over 30,000 doctors. This program aims to reduce the gap between the Medicare fee and what doctors actually charge. Doctors can choose to take part in Access Gap on a case-by-case basis, and if they do take part you'll have either no gap or known gap (where you'll be told exactly what your out-of-pocket costs will be).

If you like, you can search for participating hospitals or doctors in Adelaide on our website here: https://www.peoplecare.com.au/find-a-provider

As a not for profit we are always looking at ways to keep our costs in check so we only have one head office in Wollongong (just south of Sydney) but there are plenty of easy ways to deal with us:
• Give us a buzz - our staff love answering the phone in person and helping our members
• Online - you can access your membership anytime you need to with our 24-hour Online Member Services
• Mobile Claiming – download our app and your claims can be on their way to us in record time
• EFTPOS Style Claiming – just swipe your membership card at participating providers and we’ll pay your benefits straight to the provider. You’ll only pay any difference between what they charge an your benefit and you won’t have to submit a claim form.

If you would like any more information, please let us know.

Take care,
Brooke @ Peoplecare

Hi Kei, thanks for getting in touch! There are different ways you can pay other than direct debit, these include BPAY from a bank account or paying with a credit card over the phone or through our website. You can also pay by debit card, but it depends on how your bank has it set up as to whether you can do one-off payments. It won’t cost you any extra to use any of these options, and payments can be made weekly, fortnightly or monthly.

I hope that helps. If you’d like, I can have one of our Peoplecarers contact you to go through your options in more detail - just let me know or give us a buzz on 1800 808 700.

Take care, Brooke @ Peoplecare.

Hi hazira, thanks for getting in touch! There’s a few different ways you can join Peoplecare. You can apply online through our website at https://www.peoplecare.com.au/New-members/Join-now or if you’d prefer a more personal touch, just give us a buzz on 1800 808 700 and we can take care of it for you over the phone.

I hope this helps! Take care, Brooke @ Peoplecare

Hi ams. Yep, we do cover physio, chiro and massage! How much you can claim depends on which level of extras cover you have. You can check out the details at peoplecare.com.au/extras, or give us a buzz on 1800 808 700 and we’ll talk you through it.

Hope that helps! - Brooke @ Peopelcare

Hi Peter

Thanks for getting in touch! The waiting periods for gastric banding would be 12 months and you would need to be on our Mid or Premium hospital cover. Although, if you’re transferring from another fund and were already covered for gastric banding (having served their waiting periods), it would be immediate under the Mid or Premium hospital covers with us.

There are a lot of other things that come into play here, so we’d love to give you a buzz to ensure you have all the right info. If you’d like to, private message us your number and I can get one of our experts to give you a buzz!

Take care! - Brooke @ Peoplecare

Hi Bron

Thanks for getting in touch. At the moment we don’t have a top level of hospital cover without obstetrics, but we do pride ourselves on being great value for money. One of our Peoplecarers can give you a call and do a comparison for you if you’d like - just let us know your best contact number and a time that suits. Otherwise, you can find out more about our hospital covers at www.peoplecare.com.au/hospital.

Take care! - Lauren @ Peoplecare

Hi Dudley123

Yep, as long as the claim is under $500 you can claim online for chiro, dental, osteo, physio, optical, podiatry, dietetics, exercise physiology & occupational therapy. Just login to our Online Member Services and hit ‘make a claim’ in the left-hand menu. You can find the OMS login on our website, here: https://www.peoplecare.com.au/oms

Did you know that we also have a free mobile claim app? There’s no limit to claiming on it – just enter your details, take a picture of your receipts & send. You can download it for Apple or Android here: https://www.peoplecare.com.au/mobile

Hope that helps. If you’ve got any more questions, let me know.

Take care!
Brooke at Peoplecare

Hiya Nicole!

Thanks for getting in touch and we’re glad you’re joining us at Peoplecare! If you’re taking out a couple or family membership, your baby can be added to your membership for no extra charge, or if you’re joining out a single membership, you’ll need to upgrade to single parent family cover. We’re happy to chat with you about this if you’d like more info about prices etc..

Joining us is easy too – you can join online at https://www.peoplecare.com.au/New-members/Join-now or just give us a buzz on 1800 808 700 and we can take care of it for you over the phone.

Take care,
Brooke @ Peoplecare

Hi Rozie, we sure do - we have members all over Australia! You can get a quote and join online here: www.peoplecare.com.au/quickquote or give us a buzz on 1800 808 700 to chat with our super team with no pressure at all. We hope to hear from you soon :) Take care! - Lauren @ Peoplecare

Hi Roshan, thanks for getting in touch! At Peoplecare, we have OSHC Extras policies, and it sounds like you're after OSHC Health Insurance for your visa (which is different). I would suggest calling OSHC Student Insurance on 136 742 to work out what is best for you and your wife. Take care - Lauren @ Peoplecare

Heya Justin Muponda. Just wanted to confirim that DD06 is absolutely right! If you transfer from another health fund, you only have waiting periods for things you weren't covered for before. If you're new to private health insurance, you'll have waiting periods (which all health funds have). You can find more info about waiting periods here: www.peoplecare.com.au/waitingperiods
Hope this helps! Take care, Anita @ Peoplecare