Top Hospital Cover with Essential Extras

If you're looking for comprehensive private hospital cover but also want cover for extras like optical, dental or physio (and many more), consider our Top 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 Top Hospital cover

Under our Private 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
  • Prostheses

Our Top Hospital comes with a choice of excess – you can choose to pay a $500 excess, $250 excess or no excess at all. 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.

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.

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