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Step by step guide for

Emergency Services Health Android Digital Cards

1. Make sure that NFC is enabled on your phone

Emergency Services Health Digital Card Feature requires NFC to be enabled. You can enable your NFC feature on your phone from Settings. Tap on Settings on your phone >> NFC & payments >> Toggle the switch button on.

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2. Login

Emergency Services Health Digital Card Feature requires users to be authenticated to the android mobile app. So you should tap on the login button and enter your membership number and password so that the Dashboard appears and the main applicant name is displayed.

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3. Open the Digital Card on the App

Emergency Services Health Digital Card Feature should be open and active before using it on HICAPS POS devices. You can tap on the menu icon and select “Tap and claim” option, then tap on the card to see the message : ”Hold your phone against the HICAPS terminal  when prompted”

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4. Bring your mobile closer to HICAPS to scan your digital card

If the digital card is open and the message is showing: “Hold your phone against the HICAPS terminal when prompted”, you can bring your mobile closer to HICAPS POS to scan your digital card when the POS is prompting. Please wait until the HICAPS machine gives you success message.

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Optical Benefits

Optical Benefits

Enhancements to your cover, effective 1 April 2022

Optical Benefits

Enhancements to Optical Benefits: 1 April 2022

Optical Table 1
 

Plus, more savings to our members with special arrangements through

  • OPSM, Laubman & Pank, Sunglass Hut (Luxottica group)
  • Specsavers

OPSM and Laubman & Pank

Optical Table 3

Enhancements to Optical Benefits

In addition, OPSM is offering after-hour optical services for emergency services personnel find out more here

OPSM is also offering Clarifye advanced digital eye exams, at no additional cost, at selected stores for more information and to locate a store click here

 

Specsavers

Enhancements to Optical Benefits

Optical Table 2

^waiting periods Annual Maximums, Rollover Maximums and other conditions apply.

Optical Scenarios

Following are some real-life examples of the increased experience for our members under new Optical arrangements.

Luxottica Store

John has bought a pair of glasses. He is replacing a pair bought in 2021.

For $428, he received single vision lenses with add-ons. Member received the 20% Luxottica discount on lenses and add-ons.

John
Item Fee Benefit New Benefit
Frame $228.00 $110.00 $228.00
Single Vision Lenses $156.00 $156.00 $122.00
Reflective Coating $32.00 $32.00 $0.00
UV Coating $12.00 $12.00 $0.00
Total $428.00 $310.00 $350.00
Gap $118.0 $78.00

John has saved $40 out of pocket.    *Annual Limit Reached

Lucy has never owned glasses. As Lucy has access to Rollover Benefits, she received a higher benefit. Member received the 20% Luxottica discount on lenses and add-ons.

Lucy
Item Fee Benefit New Benefit
Frames $228.00 $110.00 $228.00
Single Vision Lenses $156.00 $156.00 $156.00
Reflective Coating $32.00 $32.00 $32.00
UV Coating $12.00 $12.00 $12.00
Total $428.00 $310.00 $428.00
Gap $118.00 $0.00

Lucy has saved $118 out of pocket. 

Specsavers Store

Steven did not claim optical benefit in 2021. As Steven has access to Rollover Benefits, they received a higher benefit.

Two pair purchased – with Rollover

Patient C
Item Fee Benefit New Fee New Benefit
Frame $129.50 $110.00 $97.13 $97.13
Progressive Lens $220.00 $176.00 $165.00 $132.00
Reflective Coating $56.00 $41.00 $44.80 $35.84
Frame $79.50 $79.50 $59.63 $59.63
Progressive Lens $220.00 $176.00 $165.00 $132.00
Total $750.00 $528.50 $531.55 $456.59
Gap $176.50 $74.96

Each pair was greater than $149, so eligible for the 25% glasses discount and 20% off the add-ons.

Steven has saved $101.54 out of pocket.

Tully has bought a pair of glasses. They have joined six months ago and do not have Rollover benefits available yet.

One pair purchased

Tully
Item Fee Benefit New Fee New Benefit
Frame $159.00 $110.00 $119.25 $119.25
Single Vision Lens $160.00 $128.00 $120.00 $96.00
Reflective Coating $49.00 $39.20 $39.20 $31.36
Total $368.00 $277.20 $278.45 $246.61
Gap $90.80 $31.84

Pair was greater than $149, so eligible for the 25% glasses discount and 20% off the add-ons.

Tully has saved $58.96 out of pocket.

Dependents

Update dependent definition: Effective 1 April 2022

ESH Dependents Orange

Emergency Service Health literature refers to a number of different types of dependents.

Our Fund Rules refer to the Contributor and dependents. Dependents are any spouse/partner and any child of the Contributor eligible to be covered under your policy. 

From the 1 April 2022, the Fund Rules collectively refers to your children eligible to be covered under your policy as “dependent persons” and are made up of the following types:

  • Dependent child;
  • Non-classified dependent person;
  • Dependent student;
  • Dependent non-student; and
  • Dependent person with a disability.

A dependent child is where your child is aged under 18 and a non-classified dependent person is when your child is aged 18 and over but under 21.  Together, we refer to these two types of dependent persons as younger dependent children (that is, where the child is aged less than 21 years).

A  dependent student is a child of the Contributor who is 21  years and over,  but under 32 years of age, who is considered to be a full time student of a school, college, or university recognised by our Fund.

A dependent non-student is a child of the Contributor who is 21 years and over but under 25 years of age, and not eligible to be a student dependent.

A dependent person with a disability is a child of the Contributor and the child is participating in the National Disability Insurance Scheme (NDIS) and hence holds an active NDIS plan.  The child may be any age 18 years and over, but would only be registered as a dependent person with a disability if they do not meet any of the other dependent person types.

In all cases a child is taken to include a natural child, adopted child, foster child or a child who is a legal ward of the Contributor or their spouse/partner.

Other than for a dependent person with a disability, a child ceases to be eligible as a dependent on a policy if they are married or in a defacto relationship.

Important Information

Once your children reach an age where they are no longer protected by your cover, they can sign up to their own Emergency Services Health policy without any Waiting Period provided they:

  • Take out a policy with cover no greater than yours; and
  • Join from their 21st birthday (25th birthday for Gold Combined Extended Family or Single Parent Extended Family).

Or, if your children have been covered as a dependent students, provided they:

  • Take out a policy with cover no greater than yours; and
  • Join from March 1 following a completed study year, or
  • Join from the date they left full-time study, or
  • If still a student at the age of 31 years, join from their 32nd birthday.

Or, if your children have been covered as a dependent persons with a disability, but they are no longer participating in the NDIS:

  • Take out a policy no greater than yours; and
  • Join from the date they ceased to participate in the NDIS.

In all these circumstances, your children have two months in which to join with their premiums being calculated from the date they ceased to be an eligible dependent.

Win my premiums

win my premiums

Refer an eligible family member or colleague to join Police Health or Emergency Services Health, and if they join before 31 January 2022, you and your referred member will have the chance to win both your premiums paid, by us, for a year! *

How it works

Simply have them quote your name and the code ‘REFER’ when joining before 31 January 2022. It’s that simple.

And keep in mind, for each new member that joins and mentions you recommended us, your chances to win increase.

So, now’s the time to spread the word about our cover like no other.

Who can I refer?

You can recommend our health cover to your extended family. Here’s a snapshot of which relatives are eligible to join Emergency Services Health/Police Health…

eligibility

And don’t forget your eligible colleagues!


Emergency Services Health is a private health insurer for current/former employees or volunteers from:


  • Fire response and recovery
  • Ambulance & medical response and recover (includes Allied Health)
  • Water response and recovery
  • State emergency response and recovery


Police Health is a private health insurer for current, retired and former police officers, police employees and volunteers of state, territory or federal police departments, police unions and associations in Australia.


If you’re looking to refer someone and are unsure about the eligibility, either you or they can get in touch – and we’d be happy to clarify.


*Terms & Conditions apply.

Promoter: Police Health Limited ABN 86 135 221 519 320 King William Street Adelaide SA . Promotion Period: The ‘Promotion’ commences on the 1 November 2021 at 9:00am ACDT and ends on 31 January 2022 at 4:45pm ACDT (‘Offer Period’). Prize: The winner(s) Police Health Limited private health insurance policy paid for 12 consecutive months up to the value of $10,542.75. For clarity there is one random draw and two ‘prizes’. ‘Prize (1)’ is awarded to the, ‘new member’ (Winner 1) selected in the draw of the ‘Promotion’ and who joined as the result of the referral by ‘Winner 2’. Draw: computerised random selection in the presence of an independent scrutineer – 18 February 2022 at 02:30 pm ACDT using TPAL ELECTRONIC DRAW SYSTEM Permit no. 1224 (or re-draw, if necessary, on 21/03/2022). Notification: The ‘Winners’ will be contacted individually by phone and email (winning confirmation email) within two (2) business days of the draw. The ‘Winners’ will be published in the next member Newsletter published on 19 March 2022 (and any re-draw in April 2022). Permits: Authorised under: ACT Permit No. TP 21/01772; NSW Permit No. TP/00420; and SA Permit No. T21/1603.

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