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2019 Government Reforms FAQs

We believe the Australian Government’s changes to Private Health Insurance are some of the biggest since 2000. They are designed to keep your contributions as low as possible and make private health cover easier to compare and clearer for everyone.

All hospital covers in Australia will soon be categorised as either Basic, Bronze, Silver or Gold. The intent of these reforms is to make it easier for you to understand and compare covers from all health funds. On our side, onemedifund has accommodated these changes with the smallest possible disruption to you, our valued contributor.

As always, we are committed to giving all our contributors the highest levels of service, great value health cover and making health cover as easy as possible. 

Is onemedifund hospital cover now categorised as Basic, Bronze, Silver or Gold?

onemedifund’s hospital cover is categorised as Gold under the Federal Government’s reforms to Private Health Insurance. Gold is the highest level of hospital cover available.

As it stands, there are no regulated categories of extras (also called ‘ancillary’) cover. Therefore it still remains challenging for Australians to compare extras covers. However, your Extras cover is a fantastic balance of generous benefits and competitive price.

Which natural therapies are no longer covered?

The new government rules mean that most natural therapies can no longer be covered on Private Health Insurance from 1 April 2019.

This is the full list of natural therapies to be taken out of private health insurance by the government: Alexander technique, aromatherapy, Bowen therapy, Buteyko, Feldenkrais, Western herbalism, homoeopathy, iridology, kinesiology, naturopathy, Pilates, reflexology, Rolfing, shiatsu, tai chi, and yoga.

For onemedifund contributors, these are the changes to the natural therapies benefits on our extras covers from 1 April 2019:

Natural therapy consultations, Western herbalism, homeopathy, Pilates, reflexology and yoga – will no longer be covered as part of the government’s changes.

onemedifund still pays benefits for chiropractic X-ray, chiropractic, remedial massage, myotherapy, osteopathy, Chinese herbal consultations, acupuncture, podiatry, dietetics and orthotics available on our top Extras cover. (Orthotics and dietetics aren’t available on Economy Extras.)

What are the new travel benefits for rural contributors?

Health funds can now offer travel and accommodation benefits on hospital cover. These benefits are most useful to rural Australians who need to travel long distances for hospital services.

As we already offer travel benefits on our top extras cover (now called Extras), we aren’t adding this feature to our hospital covers. 

What are the changes to Private Health Cover information?

There are two small changes in health cover information provided to consumers.

  1. A re-design of the Private Health Insurance Ombudsman comparison website privatehealth.gov.au.
  2. An easier to read Private Health Information Statement (PHIS) replaces the current Standard Information Statement available. You can request your PHIS from 1 April 2019 from your health fund or via privatehealth.gov.au.

What new powers does the Ombudsman have?

Health fund contributors have the right to take complaints about their health fund cover and service to the Private Health Insurance Ombudsman (PHIO, sometimes also called the Commonwealth Ombudsman). 
The two new measures for the PHIO are:

  1. Audit and inspection powers to address consumer complaints; and
  2. More staff at the Ombudsman, who’ll investigate complaints for consumers