Hospital cover

If you ever need to go into hospital, Medicare covers you as a public patient in a public hospital in shared accommodation. But depending on the treatment you need, there could be a long wait - some of the most common hospital procedures have lengthy waiting lists when provided in a public hospital. Plus you don’t get the option to choose where you want to be treated, when you’re treated, or who your doctor will be. And treatment in a private hospital without health insurance can easily cost thousands of dollars.

Hospital cover gives you flexibility and control over admission to hospital, if you ever need it, and helps make it more affordable for you to be treated in a public or private hospital. You can receive the required treatment when and where you want it, by the doctor of your choice. Most importantly, it means you and your family have access to the best medical care – we have provider agreements with hundreds of private hospitals, day surgeries and other medical facilities, right across the country.

Having hospital cover also assists to cover the gap component over the Medicare Benefits Schedule for inpatient services.

We keep our hospital cover nice and simple - we offer a couple of Hospital cover choices to suit your circumstances and budget.

Please note that waiting periods may apply (including those for pre-existing conditions) and some products have restrictions, exclusions, benefit limitation periods, excesses and limits.

Private hospital cover

Private hospital coverTwo private hospital cover options, depending on the level of cover you require. Choose from our Top Hospital cover or Intermediate Hospital cover, with different levels of excess to suit your needs.

Public hospital cover

Public hospital coverA cost effective hospital cover that allows you to be treated as a private patient in any public hospital.

Singles and Couples Combined cover

Smart Start combined coverIf you're young and healthy, and kids aren't in the future plans just yet, you can save with a lower hospital cover premium. This cover is only available as a combined cover.

Extended Family/Extended Single Parent cover

Family Plus coverA comprehensive hospital cover that allows you to cover adult children up to the age of 25. Extended Family/Single Parent cover is only available as a packaged cover with Premium or Essential Extras.

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