Onemedifund is a relatively recent entrant into the health insurance market. The for-profit fund was established in 2007 and is owned by National Health Benefits Australia. It operates across Australia, and prides itself on high member retention.
With one top-level Gold plan, Onemedifund is suitable for people who want top health cover, without having to choose between policies.
Essentials Gold Hospital $250 Excess
Onemedifund's only hospital plan is top-tier gold cover that includes most public and private hospital services.
You'll only pay a maximum of $250 excess per person per year, capped at $500 on a family policy, no matter how many times you need hospital treatment.
50% of the excess is payable for day surgery.
Pregnancy and birth
Weight loss surgery
Hospital psychiatric services
Emergency ambulance cover is included with a 1 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.
Like hospital cover, Onemedifund only offers one comprehensive extras policy that covers a full range of services.
You can combine this with their Gold Hospital policy.
This policy comes with unlimited general dental treatment and many services that allow you to claim back up to 80% -- 100% on treatment.
A number of annual limits increase after five years of membership.