ASTUTE SIMPLICITY HEALTH we ve got you covered. Premiums. Western Australia. Effective April 1, 2019 UNDERWRITTEN BY:

Size: px
Start display at page:

Download "ASTUTE SIMPLICITY HEALTH we ve got you covered. Premiums. Western Australia. Effective April 1, 2019 UNDERWRITTEN BY:"

Transcription

1 ASTUTE SIMPLICITY HEALTH we ve got you covered Premiums Western Australia Effective April 1, 2019 UNDERWRITTEN BY:

2 Contents Packaged premiums Singles base rate 3 Couples & Families base rate 4 Hospital premiums Singles base rate 5 Couples & Families base rate 6 Extras premiums Singles base rate 7 Couples & Families base rate 7 These products are underwritten by St. Luke s Medical and Hospital Benefits Association ACN (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission. 2

3 Australian Government Rebate Income Tiers Table Base Tier Tier 1 Tier 2 Tier 3 Single Income $0 - $90,000 $90,001 - $105,000 $105,001 - $140,000 $140,001 + Couples/Families Income $0 - $180,000 $180,001 - $210,000 $210,001 - $280,000 $280,001+ Packaged Premiums effective April 1, 2019 Singles base rate Packaged Astute Gold 250 $250 $96.25 $ Packaged Astute Gold 500 $500 $89.60 $ Packaged Simplicity Saver Bronze $250 $63.65 $ Packaged Simplicity Starter Bronze $500 $61.05 $ Packaged Astute Gold 250 $250 $ $ Packaged Astute Gold 500 $500 $99.60 $ Packaged Simplicity Saver Bronze $250 $70.75 $ Packaged Simplicity Starter Bronze $500 $67.85 $ Packaged Astute Gold 250 $250 $ $ Packaged Astute Gold 500 $500 $ $ Packaged Simplicity Saver Bronze $250 $77.85 $ Packaged Simplicity Starter Bronze $500 $74.65 $ Packaged Astute Gold 250 $250 $ $ Packaged Astute Gold 500 $500 $ $ Packaged Simplicity Saver Bronze $250 $84.95 $ Packaged Simplicity Starter Bronze $500 $81.45 $

4 Packaged Premiums effective April 1, 2019 Couples & Families base rate Packaged Astute Gold 250 $500 $ $ Packaged Astute Gold 500 $1000 $ $ Packaged Simplicity Saver Bronze $500 $ $ Packaged Simplicity Starter Bronze $1000 $ $ Packaged Astute Gold 250 $500 $ $ Packaged Astute Gold 500 $1000 $ $ Packaged Simplicity Saver Bronze $500 $ $ Packaged Simplicity Starter Bronze $1000 $ $ Packaged Astute Gold 250 $500 $ $ Packaged Astute Gold 500 $1000 $ $ Packaged Simplicity Saver Bronze $500 $ $ Packaged Simplicity Starter Bronze $1000 $ $ Packaged Astute Gold 250 $500 $ $ Packaged Astute Gold 500 $1000 $ $ Packaged Simplicity Saver Bronze $500 $ $ Packaged Simplicity Starter Bronze $1000 $ $ Families Dependant Extension base rate Packaged Astute Gold 250 Extended $500 $ $ Packaged Astute Gold 500 Extended $1000 $ $ Packaged Astute Gold 250 Extended $500 $ $ Packaged Astute Gold 500 Extended $1000 $ $ Packaged Astute Gold 250 Extended $500 $ $ Packaged Astute Gold 500 Extended $1000 $ $ Packaged Astute Gold 250 Extended $500 $ Packaged Astute Gold 500 Extended $1000 $ $

5 Australian Government Rebate Income Tiers Table Base Tier Tier 1 Tier 2 Tier 3 Single Income $0 - $90,000 $90,001 - $105,000 $105,001 - $140,000 $140,001 + Couples/Families Income $0 - $180,000 $180,001 - $210,000 $210,001 - $280,000 $280,001+ Hospital Premiums effective April 1, 2019 Singles base rate Astute Top Hospital Gold 250 $250 $69.35 $ Astute Top Hospital Gold 500 $500 $62.70 $ Simplicity Saver Bronze $250 $36.75 $79.60 Simplicity Starter Bronze $500 $34.10 $73.90 Astute Top Hospital Gold 250 $250 $77.05 $ Astute Top Hospital Gold 500 $500 $69.70 $ Simplicity Saver Bronze $250 $40.85 $88.50 Simplicity Starter Bronze $500 $37.90 $82.10 Astute Top Hospital Gold 250 $250 $84.80 $ Astute Top Hospital Gold 500 $500 $76.70 $ Simplicity Saver Bronze $250 $44.95 $97.35 Simplicity Starter Bronze $500 $41.70 $90.35 Astute Top Hospital Gold 250 $250 $92.55 $ Astute Top Hospital Gold 500 $500 $83.70 $ Simplicity Saver Bronze $250 $49.05 $ Simplicity Starter Bronze $500 $45.50 $

6 Hospital Premiums effective April 1, 2019 Couples & Families base rate Astute Top Hospital Gold 250 $500 $ $ Astute Top Hospital Gold 500 $1000 $ $ Simplicity Saver Bronze $500 $73.45 $ Simplicity Starter Bronze $1000 $68.20 $ Astute Top Hospital Gold 250 $500 $ $ Astute Top Hospital Gold 500 $1000 $ $ Simplicity Saver Bronze $500 $81.65 $ Simplicity Starter Bronze $1000 $75.85 $ Astute Top Hospital Gold 250 $500 $ $ Astute Top Hospital Gold 500 $1000 $ $ Simplicity Saver Bronze $500 $89.85 $ Simplicity Starter Bronze $1000 $83.45 $ Astute Top Hospital Gold 250 $500 $ $ Astute Top Hospital Gold 500 $1000 $ $ Simplicity Saver Bronze $500 $98.05 $ Simplicity Starter Bronze $1000 $91.05 $ Families Dependant Extension base rate Astute Top Hospital Gold 250 Extended $500 $ $ Astute Top Hospital Gold 500 Extended $1000 $ $ Astute Top Hospital Gold 250 Extended $500 $ $ Astute Top Hospital Gold 500 Extended $1000 $ $ Astute Top Hospital Gold 250 Extended $500 $ $ Astute Top Hospital Gold 500 Extended $1000 $ $ Astute Top Hospital Gold 250 Extended $500 $ $ Astute Top Hospital Gold 500 Extended $1000 $ $

7 Australian Government Rebate Income Tiers Table Base Tier Tier 1 Tier 2 Tier 3 Single Income $0 - $90,000 $90,001 - $105,000 $105,001 - $140,000 $140,001 + Couples/Families Income $0 - $180,000 $180,001 - $210,000 $210,001 - $280,000 $280,001+ Extras Premiums effective April 1, 2019 Singles base rate Base Tier Rebate (Full Rebate) % Fortnightly Monthly Extras Protect $28.70 $62.20 Tier 1 Rebate % Fortnightly Monthly Extras Protect $31.90 $69.15 Tier 2 Rebate 8.352% Fortnightly Monthly Extras Protect $35.10 $76.10 Tier 3 Rebate (No Rebate) Fortnightly Monthly Extras Protect $38.30 $83.05 Extras Premiums Couples & Families base rate Base Tier Rebate (Full Rebate) % Fortnightly Monthly Extras Protect $57.40 $ Tier 1 Rebate % Fortnightly Monthly Extras Protect $63.80 $ Tier 2 Rebate 8.352% Fortnightly Monthly Extras Protect $70.20 $ Tier 3 Rebate (No Rebate) Fortnightly Monthly Extras Protect $76.60 $

8 PO Box 915 Launceston Tasmania 7250 p e astute@stlukes.com.au ABN: UNDERWRITTEN BY:

A smarter home loan for you

A smarter home loan for you A smarter home loan for you Simple Solutions. Straight Up. 2 A smarter home loan Buying a home is the great Aussie dream and no matter what stage of life you re at, your broker is committed to helping

More information

GPO Box 1493 ADELAIDE SA Address: Telephone: Facsimile: (08) Byron Gregory. Chief Executive:

GPO Box 1493 ADELAIDE SA Address: Telephone: Facsimile: (08) Byron Gregory. Chief Executive: Fund Name: Address: Health Partners GPO Box 1493 ADELAIDE SA 5001 Telephone: 1300 113 113 Facsimile: (08) 8113 2259 Chief Executive: Byron Gregory Claims Enquiries: Membership Enquiries: Hospital Claims

More information

Tasmania 2019 STATE PREMIUMS & BENEFITS

Tasmania 2019 STATE PREMIUMS & BENEFITS Tasmania 2019 STATE PREMIUMS & BENEFITS Brochure effective 1 April 2019 Am I eligible for the Australian Government Rebate on private health insurance? To find out if you re eligible, you first need to

More information

Western Australia 2018 STATE PREMIUMS & BENEFITS

Western Australia 2018 STATE PREMIUMS & BENEFITS Western Australia 2018 STATE PREMIUMS & BENEFITS At Emergency Services Health, we make your private health insurance choices as simple as possible to ensure maximum value. Our products are straightforward,

More information

The home loan that s made for you

The home loan that s made for you The home loan that s made for you 2 The home loan that s made for you We all have features in a home that we aren t willing to compromise on. Just like your home, a Smartline Select TM loan is made for

More information

Getting you to where you want to go

Getting you to where you want to go Getting you to where you want to go Buying your first home? Looking to upgrade your family home? Expanding your investment portfolio? Whatever your goal, Loan Market Go TM can help you get there. With

More information

St. Luke s Gap Cover Information for Medical Practitioners

St. Luke s Gap Cover Information for Medical Practitioners St. Luke s Gap Cover Information for Medical Practitioners Closing the gap in private health care. r health your health fund your health your health fund your health your health fund your health your health

More information

1

1 1 2 3 4 5 6 PLATINUM Corporate Over $240,000 in savings per year! Loans, Mortgages and Deposits Company loans up to $4 Million at 0.75% below current market rates and reduced negotiation fees of 0.50%

More information

Northern Territory 2018 STATE PREMIUMS & BENEFITS

Northern Territory 2018 STATE PREMIUMS & BENEFITS Northern Territory 2018 STATE PREMIUMS & BENEFITS At Emergency Services Health, we make your private health insurance choices as simple as possible to ensure maximum value. Our products are straightforward,

More information

SA METROPOLITAN FIRE SERVICE SUPERANNUATION SCHEME S U P E R I N F O : BUDGET EDITION

SA METROPOLITAN FIRE SERVICE SUPERANNUATION SCHEME S U P E R I N F O : BUDGET EDITION SA METROPOLITAN FIRE SERVICE SUPERANNUATION SCHEME S U P E R I N F O : BUDGET EDITION 2016 FEDERAL BUDGET Federal Budgets are big, complicated documents and it can be difficult to figure out just how they

More information

CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU

CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives.

More information

Health Insurance. Young Singles and Couples Health Cover

Health Insurance. Young Singles and Couples Health Cover Health Insurance Young Singles and Couples Health Cover At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. This brochure is a summary of the

More information

ABN FINANCIAL REPORT

ABN FINANCIAL REPORT ABN 44 079 902 499 FINANCIAL REPORT FOR THE HALF YEAR ENDED 31 DECEMBER 2014 Central Park, Level 43 152-158 St Georges Terrace Perth WA 6000 Correspondence to: PO Box 7757 Cloisters Square

More information

METHODOLOGY Health Insurance Star Ratings

METHODOLOGY Health Insurance Star Ratings METHODOLOGY Health Insurance Star Ratings What are the CANSTAR Private Health Insurance Star Ratings? CANSTAR Private Health Insurance Star Ratings combine three separate health insurance product types

More information

Health Insurance. 40+ Singles and Couples health cover

Health Insurance. 40+ Singles and Couples health cover Health Insurance 40+ Singles and Couples health cover At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. This brochure is a summary of the cover

More information

Central Park, Level 43 152-158 St Georges Terrace Perth WA 6000 Correspondence to: PO Box 7757 Cloisters Square Perth WA 6850 Auditor s Independence Declaration to the Directors of Lycopodium Limited T

More information

Brochure effective 1 April State Premiums & Benefits SOUTH AUSTR ALIA

Brochure effective 1 April State Premiums & Benefits SOUTH AUSTR ALIA Brochure effective 1 April 2019 2019 State Premiums & Benefits SOUTH AUSTR ALIA With over 57,000 members nationally, Police Health is Australia s only health fund just for the policing community. That

More information

Young Adult Support Plan. Keep yourself covered between 21 and 25

Young Adult Support Plan. Keep yourself covered between 21 and 25 Young Adult Support Plan Keep yourself covered between 21 and 25 Effective from 1 April 2016 No hassle health cover So you re over 21 and not studying full-time. Did you know that you re no longer covered

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Part 2 (Adviser Profile) Date 03 10 2017 1 FINANCIAL SERVICES GUIDE: PART 2 (Adviser Profile) PART 2 (Adviser Profile) Part 2 (Adviser Profile) contains the following sections:

More information

SUPERCEDED IN THIS REPORT: A HEALTHY COMPARISON

SUPERCEDED IN THIS REPORT: A HEALTHY COMPARISON Report No. 4 October 2011 IN THIS REPORT: We research & rate hospital, extras and packaged private health insurance to uncover outstanding value insurers A HEALTHY COMPARISON Private health insurance gives

More information

Central Park, Level St Georges Terrace Perth WA 6000 Correspondence to: PO Box 7757 Cloisters Square Perth WA 6850 Auditor s Independence D

Central Park, Level St Georges Terrace Perth WA 6000 Correspondence to: PO Box 7757 Cloisters Square Perth WA 6850 Auditor s Independence D Central Park, Level 43 152-158 St Georges Terrace Perth WA 6000 Correspondence to: PO Box 7757 Cloisters Square Perth WA 6850 Auditor s Independence Declaration to the Directors of Fox Resources Limited

More information

Young Adult Membership Application Form

Young Adult Membership Application Form Young Adult Membership Application Form Return completed form to: Navy Health PO Box 172 Box Hill VIC 3128 or email to query@navyhealth.com.au For more information, please call 1300 306 289. Current member

More information

Home Loans. Talk to us today.

Home Loans. Talk to us today. Home Loans Talk to us today. Find the right loan for you At Heritage we understand everyone s needs are different, so we take a personalised approach to finding a home loan that suits you. We have dedicated

More information

Key information in connection with the Rights Offer and important dates are set out below for your reference:

Key information in connection with the Rights Offer and important dates are set out below for your reference: 17 October 2018 Dear Renounceable Pro Rata Rights Issue Notice to Eligible Shareholders On 16 October 2018, White Cliff Minerals Limited (Company) announced a

More information

SAVINGS. The results are reflected in a consumer-friendly five-star concept, with five stars signifying outstanding value offered by the product.

SAVINGS. The results are reflected in a consumer-friendly five-star concept, with five stars signifying outstanding value offered by the product. SAVINGS AWARD METHODOLOGY What are the CANSTAR Deposit Account Star Ratings? CANSTAR s Deposit Star Ratings use a sophisticated rating methodology, unique to CANSTAR, which compares deposit products in

More information

Order Form to Register a Company

Order Form to Register a Company Order Form to Register a Company Check Questions Answers Does the company have a proposed name? (If No, Australian Company Number allotted by ASIC will be the Company s name. e.g. "123 456 789 Pty Ltd)

More information

Your application. X Join X. X Male X Female. X X Mail. SECTION A: I m applying to. SECTION B: Your details. SECTION C: Contact details

Your application. X Join X. X Male X Female. X  X Mail. SECTION A: I m applying to. SECTION B: Your details. SECTION C: Contact details Your application 1. Please complete this form USING BLACK INK and write within the boxes in CAPITAL LTTRS. Mark appropriate answer boxes with a CROSS. Start at the left of each answer space and leave a

More information

The Rialto, Level 30 525 Collins St Melbourne Victoria 3000 Correspondence to: GPO Box 4736 Melbourne Victoria 3001 T +61 3 8320 2222 F +61 3 8320 2200 E info.vic@au.gt.com W www.grantthornton.com.au Auditor

More information

Singles, Couples & Families. Effective 1 October 2017 TAS

Singles, Couples & Families. Effective 1 October 2017 TAS Singles, Couples & Families Effective 1 October 2017 TAS ii St.LukesHealth singles, couples and families Welcome to St.LukesHealth If you have started to read this brochure you have already recognised

More information

Schedule of Interest Rates Lending Interest rates are correct as at 31 January 2019

Schedule of Interest Rates Lending Interest rates are correct as at 31 January 2019 Schedule of Interest Rates Lending Interest rates are correct as at 31 January 2019 1. Credit Cards Credit Cards Product Purchase Rate p.a. Cash Advance Rate p.a. Low Rate Visa Credit Card 9.90% 18.99%

More information

HOW A PERSONAL LOAN WORKS

HOW A PERSONAL LOAN WORKS HOW A PERSONAL LOAN WORKS 07. 2016 SETTING UP MY PERSONAL LOAN What is a variable interest rate loan? A variable interest rate Personal Loan has an interest rate that may change during the loan term. Accordingly,

More information

ANZ Breakfree terms AND conditions

ANZ Breakfree terms AND conditions ANZ Breakfree terms AND conditions 01.2011 Contents Terms & Conditions 4 1 Defined Terms 4 2 Eligibility for ANZ Breakfree Benefits 5 3 Your initial Mandatory Accounts 7 4 substitute and additional Mandatory

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING ACCOUNT FEES AND CHARGES 06.02.2018 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Centralist Pty Ltd ACN Financial Statements For the period from 27 April 2017 to 30 June 2017

Centralist Pty Ltd ACN Financial Statements For the period from 27 April 2017 to 30 June 2017 Financial Statements For the period from 27 April 2017 to 30 June 2017 Contents Detailed Profit and Loss Statement Detailed Statement of Financial Position Notes to the Financial Statements Director's

More information

ALL ABOUT RETIREMENT Your future comes FIRST

ALL ABOUT RETIREMENT Your future comes FIRST ALL ABOUT RETIREMENT Your future comes FIRST This brochure outlines some of the things you ll need to consider when planning for retirement, including how much you need. We ll explain how you can boost

More information

Comparison of Benefits

Comparison of Benefits 2019 Comparison of Benefits for Small Groups HMO POS Access POS myhfhp.org 9/24/2018 17HLG-COMPBEN3 Health First Small Group HMO Plans / Health First Platinum HMO 100 5588 0% $0 / $0 $1,300 / $2,600 $20

More information

Ratings range from five to one star. Five-star rated products have been assessed as offering outstanding value to consumers.

Ratings range from five to one star. Five-star rated products have been assessed as offering outstanding value to consumers. q METHODOLOGY MOTORCYCLE INSURANCE STAR RATINGS What is the CANSTAR Motorcycle Insurance Star Ratings? CANSTAR s Motorcycle Insurance Star Ratings uses a sophisticated and unique methodology that compares

More information

ANZ Personal Banking GENERAL FEES AND CHARGES 07.10

ANZ Personal Banking GENERAL FEES AND CHARGES 07.10 ANZ Personal Banking GENERAL FEES AND CHARGES 07.10 Contents General banking 3 Credit cards 6 Lending 7 Housing loans 7 Security for loans 10 Car loans 11 Personal Loans 12 International payments and travel

More information

Loans.

Loans. Loans www.gatewaybank.com.au Gateway Loans we can help you to dream big Gateway can help to make your dreams a reality with our range of competitive and flexible home and personal loans. Whether you want

More information

Financial Services Guide (General Insurance Products)

Financial Services Guide (General Insurance Products) 1 We recommend that you print and save this document for future reference Financial Services Guide (General Products) PURPOSE OF THIS DOCUMENT The purpose of this Financial Services Guide (FSG) is to give

More information

TRAVEL POLICY PROMOTION TERMS AND CONDITIONS

TRAVEL POLICY PROMOTION TERMS AND CONDITIONS TRAVEL POLICY PROMOTION TERMS AND CONDITIONS 1. This travel policy offer (the Travel Policy Offer ) is being run by Irish Life Health dac ( Irish Life Health ) in conjunction with Mondial Assistance Ireland

More information

Please retain both the FSG and the ARP for your reference and any future dealings with First Mutual.

Please retain both the FSG and the ARP for your reference and any future dealings with First Mutual. Financial Services Guide This Financial Services Guide ( FSG ) dated 25 May 2017 is issued by First Mutual Australia Pty Ltd ( First Mutual ) ACN 154 012 085 Australian Financial Services Licence no. 423710

More information

Financial Services Guide.

Financial Services Guide. Financial Services Guide. Money made simple. Wealth Market Pty Ltd Level 17, 135 King Street, Sydney NSW 2000 AFSL No. 482898 ABN 56 128 350 112 P 1800 011 471 E hello@wealthmarket.com wealthmarket.com

More information

QUARTERLY CASH FLOW REPORT. Please find attached Sterling Plantations Limited s quarterly cash flow report for the quarter ended 31 December 2017.

QUARTERLY CASH FLOW REPORT. Please find attached Sterling Plantations Limited s quarterly cash flow report for the quarter ended 31 December 2017. 30 January 2018 The Manager Company Announcements Office Australian Securities Exchange Exchange Plaza 2 The Esplanade PERTH WA 6000 By: e-lodgement (ASX code SBI) QUARTERLY CASH FLOW REPORT Please find

More information

METHODOLOGY Business Savings & Transaction Accounts July 2018

METHODOLOGY Business Savings & Transaction Accounts July 2018 METHODOLOGY Savings & Transaction Accounts July 2018 What are the Canstar Savings and Transaction Account Star Ratings? Canstar s Savings and Transaction Account Star Ratings involve a sophisticated rating

More information

Both ServiceM8 and the Partner agree to undertake reasonable action to achieve the outcomes of this Partner Agreement.

Both ServiceM8 and the Partner agree to undertake reasonable action to achieve the outcomes of this Partner Agreement. Partner Agreement Both ServiceM8 and the Partner agree to undertake reasonable action to achieve the outcomes of this Partner Agreement. Terms ServiceM8: ServiceM8 Pty Ltd, the company that owns and operates

More information

Here s a round-up of what the Federal Budget could mean for your family finances.

Here s a round-up of what the Federal Budget could mean for your family finances. 2014-15 FEDERAL BUDGET THE STORY PART 2 16 May 2014 FIN On Wednesday we brought you The Story, a budget summary outlining the key proposals from Treasurer Joe Hockey s 2014-15 budget. Now the dust has

More information

METHODOLOGY Health Insurance Star Ratings & Awards September 2018

METHODOLOGY Health Insurance Star Ratings & Awards September 2018 METHODOLOGY Health Insurance Star Ratings & Awards September 2018 What are the Canstar Health Insurance Star Ratings & Awards? Canstar s Health Insurance Star Ratings use a sophisticated and unique ratings

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING GENERAL FEES AND CHARGES 10.09.2018 TABLE OF CONTENTS General banking Lending Housing loans Security for loans Car loans Personal Loans International payments and travel money International

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING GENERAL FEES AND CHARGES 11.12.2017 TABLE OF CONTENTS General banking Lending Housing loans Security for loans Car loans Personal Loans International payments and travel money International

More information

Grant Thornton House Level 3 170 Frome Street Adelaide, SA 5000 Correspondence to: GPO Box 1270 Adelaide SA 5001 T 61 8 8372 6666 F 61 8 8372 6677 E info.sa@au.gt.com W www.grantthornton.com.au Auditor

More information

METHODOLOGY Overseas Student Health Cover (OSHC) Star Ratings

METHODOLOGY Overseas Student Health Cover (OSHC) Star Ratings METHODOLOGY Overseas Student Health Cover (OSHC) Star Ratings What are the CANSTAR Overseas Student Health Cover Star Ratings? CANSTAR s Overseas Student Health Cover (OSHC) Star Ratings use a sophisticated

More information

Adviser Profile PART 2

Adviser Profile PART 2 Adviser Profile PART 2 Date created 20th November 2014 GUIDE TO OUR RELATIONSHIP WITH YOU AND OTHERS This document is Part 2 of the Financial Services Guide (FSG). It sets out specific details about me,

More information

QUARTERLY CASH FLOW REPORT

QUARTERLY CASH FLOW REPORT 28 April 2015 The Manager Company Announcements Office Australian Securities Exchange Exchange Plaza 2 The Esplanade PERTH WA 6000 By: elodgement (ASX code SBI) QUARTERLY CASH FLOW REPORT 31 March 2015.

More information

AMO. More money in your pocket

AMO. More money in your pocket Revolution Home Loan An AMO Revolution Home Loan gives you a 100% offset account on either a fixed or variable rate loan with no restrictions. Most other lenders only offer an offset account with a variable

More information

Adviser Profile PART 2

Adviser Profile PART 2 Adviser Profile PART 2 Date created 20th November 2014 GUIDE TO OUR RELATIONSHIP WITH YOU AND OTHERS This document is Part 2 of the Financial Services Guide (FSG). It sets out specific details about me,

More information

Travel Insurance Star Ratings

Travel Insurance Star Ratings METHODOLOGY Travel Insurance Star Ratings What are the Canstar Travel Insurance Star Ratings? Canstar s Travel Insurance Star Ratings use a sophisticated and unique ratings methodology that compares both

More information

Transitioning from the ADF

Transitioning from the ADF Transitioning from the ADF Things you need to know about health care As an ADF member, you may not have given much thought to the health system. But whether you re single or married with kids, it s something

More information

APPLICATION FOR CREDIT

APPLICATION FOR CREDIT APPLICATION FOR CREDIT Tas Hotel & Catering Supplies Pty Ltd ABN 89 627 905 766 / ACN 627 905 766 Please complete this form in full and return to office@tashotel.com.au, in store or P.O. Box 3008 DC, Launceston

More information

you need to know about

you need to know about 1 your super 60s 2018 3 you need to know about Copyright H.E.S.T. Australia Limited 2017 This information is issued by H.E.S.T. Australia Limited ABN 66 006 818 695 AFSL No. 235249, Trustee of Health Employees

More information

December 2016 published 20/12/16

December 2016 published 20/12/16 December 2016 published 20/12/16 In Home Loans variable rates were pushed higher, with most making changes targeted towards investor loans, but some also increasing rates for owner occupiers. There was

More information

Your contributions. Contributions are paid into your account and invested in the investment option(s) of your choice... Investment Returns

Your contributions. Contributions are paid into your account and invested in the investment option(s) of your choice... Investment Returns The information in this document forms part of the Club Super (PDS) issued 13 August 2018. This document is called Club Super Additional Information How super works and is not attached to the Club Super

More information

For personal use only

For personal use only ASX Appendix 4D Results for announcement to the market 1. Company details Name of entity: Pepper Group Limited ACN: 094 317 665 ABN: 55 094 317 665 Reporting period: For the half-year ended 30 June 2016

More information

Financial Services Guide.

Financial Services Guide. Financial Services Guide. Money made simple. Wealth Market Pty Ltd Level 17, 135 King Street, Sydney NSW 2000 AFSL No. 482898 ABN 56 128 350 112 P 1800 011 471 E hello@wealthmarket.com wealthmarket.com

More information

Private health insurance reforms: Gold/Silver/Bronze/Basic product categories

Private health insurance reforms: Gold/Silver/Bronze/Basic product categories Gold/Silver/Bronze/Basic product categories A new system for categorising health insurance products will be introduced in 2019 Private health insurance products will be simplified for consumers through

More information

RSM Australia Pty Ltd 8 St Georges Terrace Perth WA 6000 GPO Box R1253 Perth WA 6844 INDEPENDENT AUDITOR S REPORT TO THE MEMBERS OF THE RETURNED AND SERVICES LEAGUE OF AUSTRALIA WA BRANCH (INC) T +61 (0)

More information

Business Transaction and Savings Accounts

Business Transaction and Savings Accounts METHODOLOGY Business Transaction and Savings Accounts What are the CANSTAR Business Transaction and Savings Account Star Ratings? CANSTAR s Business Transaction and Savings Account Star Ratings involve

More information

2017 Hub Wealth Management Federal Budget Summary

2017 Hub Wealth Management Federal Budget Summary 2017 Hub Wealth Management Federal Budget Summary Last night, Treasurer Scott Morrison outlined the Federal Government s 2017/18 Budget. Our summary focuses on key implications for clients of Hub Wealth.

More information

Calendar year deductible (Individual/Family) $250/$500 $750/$1,500 $500/$1,000 $1,500/$3,000 $1,000/$2,000 $3,000/$6,000 $1,350/$2,700 $3,750/$7,500

Calendar year deductible (Individual/Family) $250/$500 $750/$1,500 $500/$1,000 $1,500/$3,000 $1,000/$2,000 $3,000/$6,000 $1,350/$2,700 $3,750/$7,500 2016 PPO Medical PPO is available statewide. Rainier Health PPO is available in King and Pierce counties. PacMed PPO is available in King county. Prov/Swed PPO is available in King and Snohomish counties.

More information

Overseas Student Health Cover (OSHC) Star Ratings and Awards

Overseas Student Health Cover (OSHC) Star Ratings and Awards METHODOLOGY Overseas Student Health Cover (OSHC) Star Ratings and Awards What are the Canstar Overseas Student Health Cover Star Ratings and Awards? Canstar s Overseas Student Health Cover (OSHC) Star

More information

Death and TPD insurance changes from 2 March 2015

Death and TPD insurance changes from 2 March 2015 ANZ Australian Staff Superannuation Scheme Death and TPD insurance changes from 2 March 2015 JANUARY 2015 One of the valuable features of the Scheme is the flexible death and Total and Permanent Disablement

More information

Fees and costs. Fact sheet. Information in this Fact sheet is current as at 1 July Contents. Contents. Overview 3 Fees and Costs 4

Fees and costs. Fact sheet. Information in this Fact sheet is current as at 1 July Contents. Contents. Overview 3 Fees and Costs 4 Fees and costs Fact sheet Information in this Fact sheet is current as at 1 July 2016 Contents Overview 1 Fees and costs 2 Contents Overview 3 Fees and Costs 4 The information in this document forms part

More information

SAVINGS AND TRANSACTION ACCOUNT STAR RATINGS

SAVINGS AND TRANSACTION ACCOUNT STAR RATINGS METHODOLOGY SAVINGS AND TRANSACTION ACCOUNT STAR RATINGS What are the CANSTAR Savings and Transaction Account Star Ratings? CANSTAR s Savings and Transaction Account Star Ratings involve a sophisticated

More information

Transition to Retirement

Transition to Retirement Transition to Retirement Super Concepts provides the documentation you need to commence a Transition to Retirement pension from your self managed superannuation fund Transition to Retirement (TTR) What

More information

Finally you re about to make some money... so what now?

Finally you re about to make some money... so what now? THE BARTONS MEDICAL GRADUATE PACKAGE Finally you re about to make some money... so what now? There is a range of financial decisions you ll now need to make which you probably haven t even thought about

More information

2018 State Premiums & Benefits SOUTH AUSTRALIA

2018 State Premiums & Benefits SOUTH AUSTRALIA 2018 State Premiums & Benefits SOUTH AUSTRALIA At Police Health, we make your private health insurance choices as simple as possible to ensure maximum value. Premium Cover: Our products are simple, great

More information

Important Information for BankSA Personal and Business Customers

Important Information for BankSA Personal and Business Customers Important Information for BankSA Personal and Business Customers Please read this Important Information flyer in conjunction with the terms and conditions and fees and charges documents for your deposit

More information

Australian Rugby Union Sports Injury Claim Form

Australian Rugby Union Sports Injury Claim Form Australian Rugby Union Sports Injury Claim Form QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239 545 AUSTRALIAN RUGBY UNION LIMITED This information must be completed and signed by the Injured

More information

PAYMAN. - Maintaining a full set of Employee records, including payroll ledgers and personnel records.

PAYMAN. - Maintaining a full set of Employee records, including payroll ledgers and personnel records. PAYMAN ABOUT PAYMAN PAYMAN is a full Payroll program that does the necessary calculations and then prepares the Payroll each week (or other period) from Employee time and master file records. PAYMAN produces

More information

About MyState. A little more about who we are and what we can do for you

About MyState. A little more about who we are and what we can do for you About MyState A little more about who we are and what we can do for you 2 At MyState, we strive to do the kind of things we believe other banks should be doing. Hi there, nice to meet you We d like to

More information

METHODOLOGY SAVINGS AND TRANSACTION ACCOUNT STAR RATINGS April 2018

METHODOLOGY SAVINGS AND TRANSACTION ACCOUNT STAR RATINGS April 2018 METHODOLOGY SAVINGS AND TRANSACTION ACCOUNT STAR RATINGS April 2018 What are the Canstar Savings and Transaction Account Star Ratings? Canstar s Savings and Transaction Account Star Ratings uses a sophisticated

More information

How to Register for a mygov account

How to Register for a mygov account Bishop Group Pty Ltd Michael Bishop B.Fin Adv.Dip.FS (FP) Authorised Representatives Godfrey Pembroke Limited Australian Financial Services Licensee and Insurance Broker 1st Floor, 132 Greenhill Road Unley

More information

Take advantage of the Significant Investor Visa through BT Wrap

Take advantage of the Significant Investor Visa through BT Wrap Take advantage of the Significant Investor Visa through BT Wrap Take advantage of the Significant Investor Visa through BT Wrap The Significant Investor Visa (SIV), introduced by the Australian Government

More information

Year-end tax planning tips. Taxable payments reporting Building & Construction Industry. Super stream (for employee superannuation contributions)

Year-end tax planning tips. Taxable payments reporting Building & Construction Industry. Super stream (for employee superannuation contributions) Business Newsletter June 2017 Taxable payments reporting Building & Construction Industry Businesses in the building and construction industry need to report the total payments they make to each contractor

More information

Financial Services Guide Part 2

Financial Services Guide Part 2 Financial Services Guide Part 2 Version 4.0 17 October 2017 ADVISER PROFILE GUIDE TO OUR RELATIONSHIP WITH YOU AND OTHERS This document is Part 2 (Adviser Profile) of the Financial Services Guide (FSG)

More information

For personal use only

For personal use only RSM Australia Pty Ltd Level 21, 55 Collins Street Melbourne VIC 3000 PO Box 248 Collins Street West VIC 8007 T +61 (0) 3 9286 8000 F +61 (0) 3 9286 8199 www.rsm.com.au INDEPENDENT AUDITOR S REPORT TO THE

More information

Transition to Retirement Strategy By Darren Royals Lutheran Super

Transition to Retirement Strategy By Darren Royals Lutheran Super Transition to Retirement Strategy By Darren Royals Lutheran Super Some pre-retirees would like to make a gradual transition to retirement. Others are simply looking for ways to ramp up their super before

More information

METHODOLOGY SAVINGS AND TRANSACITION ACCOUNT STAR RATINGS

METHODOLOGY SAVINGS AND TRANSACITION ACCOUNT STAR RATINGS METHODOLOGY SAVINGS AND TRANSACITION ACCOUNT STAR RATINGS What are the CANSTAR Savings and Transaction Account Star Ratings? CANSTAR s Savings and Transaction Account Star Ratings involve a sophisticated

More information

Asimple home loan just for you

Asimple home loan just for you Asimple home loan just for you Get your dreams off the ground Buying ahome is morethan amilestone it sthe great Aussie dream. And whether you reafirst time buyer or aseasoned property investor, we ll help

More information

ANZ Business Select Package

ANZ Business Select Package ANZ Business Select Package TERMS AND CONDITIONS 30.11.2013 Contents 1.1 Defined Terms 4 1.2 Other Interpretation Provisions 6 1.3 Customer More Than One Person 6 2 Eligibility for ANZ Business Select

More information

ANNUAL FINANCIAL REPORT Photo by: Arnand van Heerden

ANNUAL FINANCIAL REPORT Photo by: Arnand van Heerden ANNUAL FINANCIAL REPORT 2017 Photo by: Arnand van Heerden Contents Directors Report 1 Corporate Governance Statement 24 Financial Report - Consolidated Statement of Profit or Loss and Other Comprehensive

More information

READY FOR YOUR NEXT STEP? WE RE WITH YOU

READY FOR YOUR NEXT STEP? WE RE WITH YOU ANZ AUSTRALIAN STAFF SUPERANNUATION SCHEME READY FOR YOUR NEXT STEP? WE RE WITH YOU STAY WITH ANZ STAFF SUPER TAKE US WITH YOU YOU DON T HAVE TO SAY GOODBYE WHEN YOU LEAVE ANZ LEAVING ANZ DOESN T MEAN

More information

the services we offer you: how we and others are paid; any potential conflict of interest we may have; our internal and external dispute resolution

the services we offer you: how we and others are paid; any potential conflict of interest we may have; our internal and external dispute resolution This Financial Services Guide (FSG) sets out the products and services that we offer you. It is designed to assist you in making an informed decision about whether to use any of those products or services

More information

address. Person 1 Person 2 Person 3 Person 4 Person 5

address. Person 1 Person 2 Person 3 Person 4 Person 5 1 Application 1 I wish to Join Medibank Private Transfer from an existing Medibank Private Membership Change my Medibank Private cover Add/delete spouse/partner/dependants Medibank Private (if you have

More information

Caravan & Trailer Insurance Premium, Excess, Discounts & Aussie Assist Benefits Guide

Caravan & Trailer Insurance Premium, Excess, Discounts & Aussie Assist Benefits Guide & Trailer Insurance Premium, Excess, Discounts & Aussie Assist Benefits Guide This RACV & Trailer Insurance Premium, Excess, Discounts & Aussie Assist Benefits Guide should be read with the RACV & Trailer

More information

Please find enclosed Initial Director s Interest Notices for Ms Lisa Gay and Ms Abigail Cleland.

Please find enclosed Initial Director s Interest Notices for Ms Lisa Gay and Ms Abigail Cleland. Computershare Limited ACN 005 485 825 Yarra Falls, 452 Johnston Street Abbotsford Victoria 3067 Australia PO Box 103 Abbotsford Victoria 3067 Australia Telephone 61 3 9415 5000 Facsimile 61 3 9473 2500

More information

FINANCIAL SERVICES GUIDE. Private Wealth Advisers

FINANCIAL SERVICES GUIDE. Private Wealth Advisers FINANCIAL SERVICES GUIDE Private Wealth Advisers 2 PWA Financial Services Guide ABOUT THIS GUIDE PRIVATE WEALTH ADVISERS This Financial Services Guide (FSG) is designed to assist you in deciding whether

More information

PERSONAL BANKING BENEFITS WHILE YOU WORK

PERSONAL BANKING BENEFITS WHILE YOU WORK ANZ@WORK PERSONAL BANKING BENEFITS WHILE YOU WORK WE RE MAKING WORK MORE REWARDING Thanks to our relationship with your employer, you can enjoy a range of personal benefits and discounts, simply by banking

More information

Stamp Duty on Transfers of Land

Stamp Duty on Transfers of Land Stamp Duty on Transfers of Land New South Wales NON-FIRST HOME BUYER - STAMP DUTY PAYABLE - NSW $0 - $14,000 $1.25 for every $100 or part of the dutiable value $14,001 - $30,000 $175 plus $1.50 for every

More information

Aggressive Growth Balanced Moderate Cash

Aggressive Growth Balanced Moderate Cash Super News Towers Watson Superannuation Fund Welcome to the May 2017 newsletter that keeps you up-to-date with the latest news about what s happening in super and your Fund. Changes to investments Over

More information