Let’s Talk About the Essential Option

Out-of-hospital cover:

• Primary care services
• Network general practitioner (GP), dentist, pharmacy, and optometry

In-hospital cover:

• State hospital – unlimited cover
• Stabilisation in a private hospital (for emergencies)

A patient is considered stable when their medical condition is no longer at risk of deteriorating after treatment has begun. This includes treatment received in an emergency room or trauma unit, or emergency medical assistance provided at home or at the scene of an accident.

No. If you visit a Network GP, your claim will be funded directly by the Scheme. Your GP has a contract with Moto Health Care and knows exactly which services are covered. If your GP needs to charge for anything outside of the agreed services, they’ll let you know upfront.

Some specialists (even those in the network) may charge upfront for consultations. This is entirely up to the specialist. If that happens, simply submit your claim (along with the receipt) to the Scheme for reimbursement.

By using network providers, Moto Health Care can keep your contributions as low as possible. We negotiate specific rates with these providers to make sure you receive high-quality care with no out-of-pocket expenses. It’s how we ensure great value while maintaining access to trusted medical professionals.

Start by contacting the medical practitioner directly, and they’ll explain why the account was issued. If the matter isn’t resolved, please contact our call centre for assistance. We’re here to help you sort it out quickly and easily.