Peoplecare
Silver Plus Essentials Hospital $500 & High Extras
Peoplecare
How $225.86 is worked out
- Premium as filed - $297.65 a month (hospital share $190.32)
- Government rebate - 24.1% of the premium (never of the loading): -$71.79
- A month - $225.86
Go to insurer no commission on this policy
Hospital: what is covered
Covered (29)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (1)
- Hospital psychiatric services
Not covered (8)
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $500 per person a year. $500 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - No
- Travel and accommodation benefits - No
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: No waiting period applies for hospital treatment resulting from an accident.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): 70% back; Scale and clean (item 114): 70% back; Fluoride treatment (item 121): 70% back; Tooth extraction (item 322): 70% back | $1,000 per policy a year |
| Major dental | 12 months | Crown (item 615): 70% back | $1,000 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 70% back | $1,000 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 70% back | $800 per policy a year, $2,400 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: $250.00; Multifocal glasses: $250.00 | $250 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $70.00 | $400 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $51.00; Follow-up visit: $51.00 | $500 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $500 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $45.00; Follow-up visit: $35.00 | $400 per policy a year |
| Psychology | 2 months | First visit: $90.00; Follow-up visit: $70.00 | $400 per policy a year |
| Acupuncture | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $350 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $350 per policy a year (shared with other services) |
| Hearing aids | 24 months | Hearing aid: 70% back | $1,000 per policy a year, 1 appliance every 5 years |
| Blood glucose monitors | 2 months | Blood: 70% back | $500 per policy a year, 1 appliance every 3 years (shared with other services) |
| Antenatal and postnatal | 2 months | First visit: 70% back; Follow-up visit: 70% back | $500 per policy a year, 1 appliance every 3 years (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $350 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $350 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $500 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $51.00; Follow-up visit: $41.00 | $500 per policy a year (shared with other services) |
| Health management programs | 6 months | Benefit: 70% back | $200 per policy a year |
| Home nursing | 2 months | First visit: 70% back; Follow-up visit: 70% back | $500 per policy a year, 1 appliance every 3 years (shared with other services) |
| Occupational therapy | 2 months | First visit: $51.00; Follow-up visit: $41.00 | $500 per policy a year (shared with other services) |
| Orthotics | 2 months | Benefit: $150.00 | $500 per policy a year, 1 appliance every 3 years (shared with other services) |
| Osteopathy | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $500 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per policy a year |
| Vaccinations | 2 months | Vaccination: $70.00 | $400 per policy a year (shared with other services) |
Not covered: Audiology.
Orthotics limited to 1 appliance every 2 financial years.
Ambulance
Emergency and non-emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Tasmania
Peoplecare has agreements with 13 private hospitals here, as filed with the Ombudsman.
The list
- Calvary - St John's Hospital - South Hobart
- Calvary - St Vincent's Hospital - Launceston
- Devonport Eye Hospital - Devonport (day hospital)
- Hobart Day Surgery - Hobart (day hospital)
- Hobart Private Hospital - Hobart
- Hobart Specialist Day Hospital - Hobart (day hospital)
- Icon Cancer Centre Hobart - Hobart (day hospital)
- North Tas Day Hospital - Launceston (day hospital)
- North West Private Hospital (Tas) - Burnie
- Specialist Care Australia Launceston - Launceston (day hospital)
- Specialist Care Australia Ulverstone - Ulverstone (day hospital)
- The Eye Hospital - Launceston (day hospital)
- The Hobart Clinic - Rokeby
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Member retention (hospital cover)
79.9% is the Commonwealth Ombudsman's figure for Peoplecare in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement K29/WNQC10, filed by Peoplecare Health Insurance, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.