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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.

Terms and Conditions

Love your cover? Tell another

Young men are most at risk of testicular cancer. Police, firefighters & paramedics ‘too headstrong’ to get checked.

Man with eggs

Young men are most at risk of testicular cancer. Police, firefighters & paramedics ‘too headstrong’ to get checked.

Testicular cancer is most common among men aged 18 to 39. It’s a cancer that men aren’t “too young” to get diagnosed with. Over the past three decades, the rate of this type of cancer has grown by more than 50%.[1]

Although it affects small numbers in comparison to other health issues, it’s important to discuss, especially in communities where the “I’m fine” masculine bravado dominates. Emergency services work, particularly with police and firefighters, the culture is ‘strong is better’ and speaking up it stigmatised.

While there aren’t necessarily higher numbers of first responders with testicular cancer, the lack of openness and resistance to talking to people is creating a risk factor.

What causes testicular cancer?

The cause of this type of cancer is still widely unknown. It occurs when healthy cells become altered and develop abnormalities. Cancer cells continue to divide and multiply, forming a mass in the testicle.

There are some known risk factors, including abnormal development, family history, race, and age. Yes, it can occur at any age, but it’s most common in young adults. This also means many cases go undisclosed, because the general attitude is that “I’m young, so I’m fine.” 

Men who fail to get regular check-ups are at a greater risk of testicular cancer. While there’s no evidence to show that physical injuries (that emergency workers are prone to) increases the likelihood of testicular cancer, it is something to be mindful of. First responders should get checked if there’s a history of trauma to the testicles. For example, there was pain ‘down there’ after tackling someone to the ground.

Proactivity is the best prevention

At 98%, the survival rate is extremely high. However the real problems occur if the cancer has spread to the lymph nodes in the abdomen, pelvis or up into the lungs and liver. For the 30-something paramedic or firefighter, the last thing they’re thinking about is testicular cancer. Men on the front line think of themselves as tough and hold their physical masculinity in high regard.

For men in emergency roles who discover they have testicular cancer, being open with colleagues is essential.

In some cases, when a testicle needs to be removed, this can spur body image issues. It’s important to process these emotions, as it can challenge your perceived ‘worthiness’ to be on the force or out there saving lives. In more severe cases, chemotherapy is necessary, which can directly affect the sense of identity.

Coping with the cancer diagnosis will probably be a greater challenge for front-line workers, for this reason. This is where having adequate health support, beyond the physical treatment, becomes essential. For example, seeing a psychologist on a regular basis to work through identity issues.

The Cancer Council has put together a comprehensive resource that can help you (and others) understand this journey.

Often, life-changing situations like this leads to a sense of empowerment. If there’s one line of work that can benefit from more openness and experiences from people who have gone through, and overcome, personal challenges, it’s emergency services.

Showing real strength goes beyond just the muscle and capability. It’s being able to overcome tragedy and use your story to help others. It’s why you got into firefighting or paramedic work in the first place… to leverage your strength and willpower to support others.

That’s the real strength of a man.  

Cover like no other

We understand the demands of front line work more than any other insurer. After all, we've been looking after the health and wellbeing of the police community for more than 85 years. Whether you're already a member or interested in becoming one, call us to find out how to get the most out of our cover and benefits. We're here to help. 

Please note: some articles on this website are compiled from material obtained externally. Although we make every effort to ensure information is correct at the time of publication, we accept no responsibility for its accuracy. Health-related articles are intended for general information only and should not be interpreted as medical advice. Please consult your doctor. The views expressed in articles are not necessarily those of Emergency Services Health.

 

[1] https://www.cancer.org.au/about-cancer/types-of-cancer/testicular-cancer.html

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