Hospital cover

WHAT IS HOSPITAL COVER?

Hospital cover is one form of health insurance that covers your costs as a private patient in a public hospital, private hospital, or day hospital facility.

The insurance will cover a range of areas including; your hospital accommodation, medical treatment (theatre, doctor and pharmacy fees), prostheses, and ambulance (in some states) up to 100% of the MBS (Medicare Benefits Schedule) fee.

WHY SHOULD YOU GET HOSPITAL COVER?

One of the major benefits of hospital cover is peace of mind. As much as we like to think we have the stamina of youth, our health care needs change.

In Australia, we’re lucky to have a strong public healthcare system. But Medicare has its limitations. Private health care can help you and your family choose a preferred doctor or avoid elective surgery waiting lists.

WHY YOU SHOULD CONSIDER HOSPITAL COVER

Not only can hospital cover help you and your family choose a preferred doctor, or avoid elective surgery waiting lists, it can serve as a financial safety net and save you from unexpected tax.

If you’re looking for some peace of mind, or simply want to save on the Medicare Levy Surcharge, here’s why hospital cover matters.

WHAT ISN’T INCLUDED UNDER HOSPITAL COVER?

The procedures that aren’t included within a hospital only policy depend on your level of cover and your health fund. You can choose to include or exclude many services depending on your current life stage* – for example, pregnancy and assisted reproductive services can be removed once you have children.

If you’re after general treatment such as dental, optical, chiropractic or physiotherapy cover, these are only available under an extras policy rather than hospital cover.

*Services such as cosmetic surgery that have not been deemed medically necessary or approved by a doctor will not be covered on any health insurance cover.

WHAT ARE THE DIFFERENT LEVELS OF HOSPITAL COVER?

Hospital cover has different levels ranging from basic hospital insurance to medium and top cover. 

Basic cover will usually cover you for the basics (such as accidents, and appendix and tonsil removal) while a higher level of cover will cover you for more complex procedures (such as back surgery, cancer treatments, and heart procedures).

Please speak to one of our Health Insurance Advisors on 1300 76 76 00 about any questions for specific treatments and policy inclusions.