Intermediate Hospital with Essential Extras
If you're under 40 and looking for a medium level of private hospital cover that targets the services you're more likely to use, and exclude those you're not ready for yet, but also want cover for extras like optical, dental or physio (and many more), consider our Intermediate Hospital cover with Essential Extras. Our Essential Extras gives you cover for the same services as our top level of Extras cover, Premium Extras, but with lower limits to keep premiums lower.
What's covered under your Intermediate Hospital cover
Under our Intermediate Hospital cover, we will pay benefits (less any applicable excesses) towards:
- Accommodation in a shared or private room (if available)
- Overnight stays
- Same day admissions
- Theatre fees*
- Intensive care*
- Labour ward*
Our Intermediate Hospital cover comes with a choice of excess – you can choose to pay a $500 excess or $250 excess. This means if you're admitted to hospital, you'll pay your excess amount upfront, but then there are no further charges to pay on the covered items during your stay.
Find out more about Private Hospital cover.
* For hospital services or treatments that have Restricted benefit availability under Intermediate Hospital cover, no benefit is paid towards the cost of theatre charges raised for inpatient services in a private hospital or day surgery. If you have chosen Public Hospital cover and are an inpatient at a private hospital or day surgery, you will have a benefit entitlement to the default rate benefit for shared ward accommodation in a public hospital only.
What you get with Essential Extras cover
By combining our private hospital cover with our Essential Extras cover, you get top cover for 13 different health services, including optical, dental, physio, chiropractics, and exercise physiology, to name a few. Essential Extras offers generous limits on these benefits, while maintaining affordable premiums.
Find out more about our Essential Extras, including benefits, limits and what we'll pay towards covered services.
- Intermediate Hospital Cover product summary (printable)
- Essential Extras Cover product summary (printable)