GP cover is structured around using a nominated contracted GP in the myFED GP Network; limited cover exists for certain non-nominated/non-contracted GP visits, and protocols/utilisation monitoring can apply.

Specialist benefits depend on using the Fedhealth Specialist Network and being referred by a contracted GP; going without a referral can trigger an upfront co-payment, and non-network specialist consultations have no benefit.

Hospital cover is designed around the myFED Hospital Network; voluntary use of a non-network hospital attracts a co-payment, and after emergency stabilisation you may be expected to transfer to a network hospital to avoid additional cost.

Emergency trauma treatment in a casualty/trauma unit is paid from Risk whether or not you are admitted, but authorisation timeframes apply and non-PMB visits can attract a co-payment per visit.

Chronic medicine cover applies to PMB CDL conditions and is funded according to formulary rules and the Medicine Price List; designated pharmacy network rules apply and non-compliant use can trigger co-payments.

Oncology is covered at PMB level of care at the designated service provider (ICON), subject to protocols and registration on the oncology programme; using non-DSP arrangements can trigger a co-payment.

Female contraception is covered subject to an approved list and must be prescribed by a GP or gynaecologist; it is not intended for pills prescribed for acne.

Out-of-hospital mental health consultations are linked to the GP benefit and are limited; in-hospital mental health treatment is covered at PMB level of care at the relevant network facility, while voluntary use of non-network facilities attracts a co-payment.

Specialised radiology is not covered as a day-to-day (out-of-hospital) benefit on myFED, but in-hospital specialised radiology can be paid from Risk subject to authorisation and an annual limit.

The option indicates a maximum number of child dependants and applies child rates up to a stated age threshold for child dependants.