Peoplecare

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About Peoplecare

What is Peoplecare?

Peoplecare Health Insurance (Peoplecare) is a private health insurer that operates as an open health fund. 

Background

Peoplecare was established in 1953 as the health insurer for employees and families of the steel manufacturer John Lysaght Australia Ltd. 

In 1979 when BHP bought John Lysaght Australia Pty Ltd, Peoplecare offered insurance to BHP employees. In 2000, the insurer began to offer health insurance to employees at BlueScope Steel, One Steel, BHP Billiton and 40 affiliated companies.

In 2006, the health insurer became an open health fund and changed its name to Peoplecare.  Around this time, it helped establish a new private health fund, National Health Benefits Australia, which trades under the brand onemedifund. Peoplecare currently manages onemedifund.

In 2011, Peoplecare entered an agreement to manage the Reserve Bank Health Society, a not-for-profit health fund for current and former employees of the Reserve Bank of Australia and Note Printing Australia.

Based in Wollongong in NSW, most of its 70,000 members live in the Illawarra and Mornington Peninsula areas.

Who can join Peoplecare?

Anyone can join Peoplecare because it is an open health fund.

What products does Peoplecare offer?

Peoplecare offers:

• Hospital Cover
• Extras Cover
• Combined Hospital and Extras Cover
• Overseas Visitors Health Cover (OVHC)
• Overseas Student Health Cover (OVSC).

Do Peoplecare policies include Ambulance Cover?

Peoplecare includes unlimited Ambulance Cover nationwide with:

• Hospital Cover
• Extras Cover
• Combined Hospital and Extras Cover.

Unlimited Ambulance Cover includes:

• emergency ambulance treatment and transport to hospital via road, sea and air
• non-emergency ambulance transport by road and air
• emergency treatment without transport
• emergency ambulance treatment between hospitals.

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Is Peoplecare a not-for-profit health insurer?

Yes. Peoplecare is a not-for-profit health insurer.

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Does Peoplecare operate in all Australian states and territories?

Yes. Peoplecare operates in all Australian states and territories.

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How does Peoplecare Hospital Cover compare with other insurers?

Benchmarks	Peoplecare	Industry average
Member retention for Hospital Cover	85.9%	86.9%
% hospital-related charges covered	90.7%	89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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Does Peoplecare have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. Peoplecare has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	97	98
NT	2	2
QLD	51	60
SA	20	23
TAS	5	9
VIC	74	76
WA	22	24

Peoplecare also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	8	9
NSW	87	103
NT	1	2
QLD	48	57
SA	25	30
TAS	6	8
VIC	67	79
WA	19	24

Source: Peoplecare: performance

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How does Peoplecare Extras Cover compare with other insurers?

Benchmark	Peoplecare	Industry average
% Extras Cover charges covered	44.3%	51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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How does Peoplecare compare with other private health insurers?

Benchmarks	Peoplecare	Industry average
Market share	0.5%	–
% services with no gap	90.9%	88.3%
% services with no gap or where known gap payment made	98.0%	97.2%
Market share of complaints to the PHIO	0.5%	3.1%
% complaints investigated by the PHIO	0.5%	3.1%
Benefits as a % of contributions	83.3%	80.5%
Management expenses as a % of contribution income	13.6%	13.1%
Management expenses per average policy	$629	$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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Is Peoplecare a member of any industry organisations?

Yes. Peoplecare is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.

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Does Peoplecare let me claim online or via an app?

Yes. Peoplecare allows you to make a claim online through member Services or with the Peoplecare mobile app, Larry.

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How to contact Peoplecare

Phone:

1800 808 690 (members)
1800 509 829 (new members)

Website:

https://www.peoplecare.com.au/

Email:

info@peoplecare.com.au or online form

Address:

Head Office
Cnr Young and Victoria Streets
WOLLONGONG NSW 2500

Postal address:

Locked Bag 33
WOLLONGONG NSW 2500

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