SmartCare+

SmartCare+ is Accuro’s top rated individual product for those who make their health a top priority. The SmartCare range has been recommended by Consumer Magazine in every Health Insurance review since 2008, making it their most recommended health insurance product.

Included in base plan

Optional plans

SmartCare

SmartCare provides comprehensive health insurance for people who want to take care of their wellbeing. It is a lower cost option to our top-rated SmartCare+ product, whilst retaining most of the key benefits.
The SmartCare range has been recommended by Consumer Magazine in every Health Insurance review since 2008, making it their most recommended health insurance product.

Included in base plan

Optional plans

Customisable cover

Choose a health insurance policy that suits you, your family and your budget. Start with our Hospital and Surgical base plan then customise your solution by adding one or more of our additional plans.

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Included in base plan

Hospital and Surgical base plan

Get cover of up to $500,000 for surgery and up to $300,000 for private medical admission.

Benefits SmartCare+ SmartCare

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
$300,000 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.

$500,000 per policy year

Major diagnostic procedures are included in the general surgery benefit. They are not a standalone benefit.

$300,000 per policy year

Major diagnostic procedures are included in the general surgery benefit. They are not a standalone benefit.

Oral surgery

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
$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
$200,000 per policy year

$65,000 maximum per policy year for non-surgical cancer treatment.

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.

Yes

Non-PHARMAC subsised drugs are included in the general surgery or private hospital medical admission benefit. They are not a standalone benefit.

No

Cover while in Australia

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

Yes
Yes

Funeral support grant

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

$10,000
$2,500

Best Doctors

Provides access to the Best Doctors programme

Yes
Yes

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
$150 every three policy years

Bowel screening Active loyalty benefit

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

Yes
Yes

Optional plans

Specialist plan

Our most popular additional plan that speeds up the time to diagnosis by providing access to private tests and specialist consultations.

Benefits SmartCare+ SmartCare

Specialist consultations

Covers the costs for visits to specialists such as cardiologists, gynaecologists, orthopaedic surgeons and ear, nose and throat specialists.

$5,000 per policy year
$5,000 per policy year

Mental health consultations

Covers the costs for consultations with a psychiatrist or psychologist.

$500 per policy year

Mental health consultations are included in the specialist consultation benefit. They are not a standalone benefit.

$500 per policy year

Mental health consultations are included in the specialist consultation benefit. They are not a standalone benefit.

Diagnostic tests

Covers the costs for tests and procedures such as x-rays, ultrasounds, ECGs, bone density scans, mammograms and allergy testing.

$5,000 per policy year
$5,000 per policy year

Screening loyalty benefit

After three continuous years it covers the costs for a mammogram or prostate check, every three policy years.

$250 every three policy years
$250 every three policy years

Pregnancy loyalty benefit

After three continuous years it covers the costs of obstetric care during pregnancy (and infertility for SmartCare+)

$2,000 every policy year
$1000 every policy year

Melanoma loyalty benefit

After three continuous years it covers the costs for melanoma investigations, every three policy years.

$200 every three policy years
$200 every three policy years

Optional plans

Dental and Optical plan

Save money and maintain your dental and optical health with regular visits to your dentist or optometrist. This plan is especially useful if you already have corrective eyewear.

Benefits SmartCare+ SmartCare

Dental cover

Cover the cost for dental treatment such as dental checks, cleaning, scaling, teeth removal, X-rays, and fillings.

$500 per policy year

80% of the cost.

$500 per policy year

80% of the cost.

Optometrist or orthoptist consultations.

Covers the cost for consultation with an optometrist or orthoptist.

$300 per policy year

80% of the cost.

$300 per policy year

80% of the cost.

Prescription glasses or contact lenses

Covers the costs of the purchase of prescription glasses or contact lenses.

$300 per policy year

80% of the cost up to $60 per visit.

$300 per policy year

80% of the cost up to $60 per visit.

Orthodontic loyalty benefit

After three continuous years it covers the cost of orthodontic treatment.

$750 per policy year

80% of the cost.

$750 per policy year

80% of the cost.

Optional plans

GP plan

A good choice if you make frequent make visits to your doctor, especially for prescriptions.

Benefits SmartCare+ SmartCare

GP visits

Covers the costs of GP visits, including home and after-hours visits.

$55 per visit

$70 per after-hours and home visit.

$55 per visit

$70 per after-hours and home visit.

Prescription drugs

Covers the costs of prescription drugs.

$20 per item

Up to $400 per policy year.

$20 per item

Up to $400 per policy year.

Registered nurse visits

Covers the costs of practice nurse visits.

$35 per visit
$35 per visit

Laboratory tests

Covers the costs of laboratory tests.

$80 per policy year
$80 per policy year

Preventative loyalty benefit

After three continuous years it covers the costs for a preventative mammogram or prostate check, every three policy years.

$200 every three policy years
$200 every three policy years

Optional plans

Natural Health plan

Take a more holistic approach to your wellbeing with an additional plan that covers treatments from osteopaths, natural therapists and nutritionists.

Benefits SmartCare+ SmartCare

Osteopath and chiropractor treatment

Covers the costs for treatment by an osteopath and chiropractor.

$240 per policy year per health practitioner

$45 per visit. A benefit maximum of $800 per policy year for all health practitioners applies.

$240 per policy year

Other health practitioners

Treatment from health practitioners such as, physiotherapists, podiatrists, homeopaths, dietitians, acupuncturists, and nutritionists.

$200 per policy year per health practitioner

$45 per visit. A benefit maximum of $800 per policy year for all health practitioners applies.

$200 per policy year

Sick leave loyalty benefit

After three continuous years it provides an amount towards loss of income during sick leave without pay.

$500 per policy year

$100 per week.

$500 per person per policy year

Flu vaccination loyalty benefit

After three continuous years it covers cost for a flu vaccination.

$40 per policy year
No

Free-look period

When you join us you get a 14-day free-look period. If you change your mind during this period, and haven’t submitted a claim for anyone covered on the policy, we’ll refund any premiums you’ve paid.

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