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Transport Health Insurance

Overall Rating11111
Customer Service11111
Network11111
Plans11111

Transport Health Insurance is an insurance company based in Australia. Transport Health Insurance company only offers health insurance to individuals who work in the transportation field.

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Transport Health Insurance provides complete coverage at affordable prices.

Transport Health Insurance Hospitalization Plans

Transport Health Insurance offers insurance plans to cover hospital expenses. Transport Health Insurance provides complete hospitalization coverage with their “Top Cover” medical plan. This plan covers:

  • Private rooms
  • Maternity
  • Medical transportation
  • Surgery
  • Intensive care
  • Reproductive treatment

Additional hospitalization plans are available through Transport Health Insurance. With these plans, the out of pocket expenses are higher, but the monthly premiums are less. For example, the Top Cover Excess Plan offers the same coverage as the Top Cover plan except there is a $250 payment per claim that the policyholder is required to pay.

Another plan that is similar to the Top Cover is the Top Cover with Co-Payment plan. This plan is the same except that there is a required co-payment with every claim that is filed.

Healthy Choice Hospital Insurance Plan is another type of policy offered by Transport Health Insurance. The plan includes hospitalization with an established cost for the hospital stay.

However, the plan does not cover any fertility, maternity, or joint surgery. Under this plan, there is a required waiting period of twelve months for certain benefits.

Lastly, the Basic Hospital Plan has very limited coverage. However, you are eligible for:

  • Admittance to a public hospital
  • Medical transportation
  • Maternity
  • Cardiac
  • Psychiatric
  • Reproductive treatment

The website provides further details and explanation of coverage.

Transport Health Insurance Additional Coverage

In addition to Transport Health’s hospital plans, they also sell an additional plan, which provides extra benefits that are not covered under the hospitalization plans. This plan is called the “Top Extras” which includes:

  • Optical
  • Dental
  • Podiatry
  • Physiotherapy
  • Acupuncture benefits

Medical transportation, chiropractic services, and hearing services are all covered under the Top Extra plan.

Transport Health also offers a Healthy Choice Extra plan, which offers the same coverage as the Top Extras plan except there are lower premiums and certain restrictions. The plan benefits exclude:

  • Laser surgery coverage
  • Orthodontics
  • Alternative therapy
  • Massage

Transport Health Insurance Combined Cover Plans

Transport Health Insurance offers what they call “Combined Cover Plans.” These plans are designed specifically for individuals, couples, and families.

The “Young Single Combined Coverage” plan includes:

  • Emergency care services
  • Medical transportation
  • Private hospital rooms
  • Surgery
  • Psychiatric care
  • Therapy
  • Intensive care
  • Cardiac treatment

Extras that are part of this plan include:

  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic services

However, the following are not covered under this plan:

  • Maternity
  • Lasik surgery
  • Plastic surgery
  • Reproductive treatment

The insurance policy for couples is known as the “Young Couples Combined Coverage” plan. This plan includes:

  • Hospitalization
  • Surgery
  • Medical transportation
  • Intensive care
  • Cardiac treatment
  • Therapy
  • Psychiatric care

Optical, dental, and physiotherapy coverage are some of the additional benefits that are included. Eye surgery, reproductive services, joint surgery, and plastic surgery are not covered. Maternity services are only covered after two years of maintaining the policy.

The last of the Combined Cover Plans is the “Family by Design” plans, which are available in three different policies. The benefits of the plan include those that are in the Top Hospital Plan and the Top Extra plan. One of the requirements of the plan is that the children within the family must be between the ages of 21 and 25 who are no longer full time students.

The only difference between these three plans is how the premiums and co-payments are structured. The Excess policy requires a payment to be made when a hospital claim is made, and the Co-payment policy stipulates a co-payment to be made with certain medical expenses.

Transport Health Insurance Quotes

Transport Health Insurance quotes can be obtained by filling out the required information on the website. A series of questions will also be asked to determine what type of coverage meets you or your family’s needs. Once this is complete, a plan will populate your screen for review.

Transport Health Insurance Customer Service

Transport Health Insurance provides customer service to its policyholders by offering helpful information on its website. For example, the website offers an online directory for all of the participating hospitals and doctors. Online forms including brochures claim forms, rebates, and applications are all listed for downloading purposes.

Transport Health Contact Information

Transport Health Insurance can be contacted via email or by calling 1-300-806-808. You can also write the company at:

P.O. Box 5052
Burnley VIC 3121

Transport Health Insurance is located at:

487 Swan Street
Richmond VIC 3121

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One Review

    • 11111
    • 11111
    • 11111
    • 11111

    DO NOT trust this insurance provider.

    They will do whatever they can to avoid paying out claims and have awful customer service when you have an issue. When you sign up they promise the world but the reality will only disappoint.

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