From
22.20

per week

Price quoted is for Value Hospital cover standalone for a single in Queensland, including a 24.515% Australian Government Rebate with a $500 excess.

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Value Hospital Cover

A great value mid-level cover

Value Hospital cover is a great value mid-level cover, ideal if you are young or a healthy person who doesn’t want to pay for hospital services you’re less likely to need. Value Hospital provides a lower cost hospital option to get you through to the next stage of life.

Best suited for couples, singles and families wanting mid-level hospital cover with genuine value.

Features

  • Cover for a number of common services in a private hospital or day surgery facility*
  • Keeps premium costs down by limiting or excluding benefits on some services you may feel less likely to need cover for.
  • Choice of $250 or $500 excess
  • Combine with any of our extras products

* We will pay benefits for inpatient services in a private or public hospital where a Medicare benefit is payable, providing waiting periods have been served, except for restricted or excluded services where a lower or nil benefit entitlement exists. See below for further details.

What you're covered for

Everything you're covered for under our Value Hospital cover
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Your choice of doctor or hospital

With private hospital cover, you'll avoid potentially long public hospital waiting times and can choose to be treated by your preferred doctor.

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Private hospital accommodation*

Accommodation in a private hospital for surgeries and other inpatient procedures not listed as a restricted or excluded service.

* For hospital services or treatments that have Restricted benefit availability under Value Hospital Cover, no benefit is paid towards the cost of theatre charges raised for inpatient services in a private hospital or day surgery.

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Theatre fees

Fees that a hospital charge for the usage of the operating room and equipment.

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Surgically implanted prostheses

Surgically implanted stents, screws and plates (for fractures) and pacemakers. Prosthesis benefits as per the Government listing.

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Intensive care

For time required to be spent in intensive care.

For hospital services or treatments that have Restricted benefit availability under Value Hospital Cover, no benefit is paid towards the cost of theatre charges raised for inpatient services in a private hospital or day surgery.

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Tonsils and adenoids removal

Surgery to remove the adenoids and tonsils.

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Appendix removal

Removal of the appendix.

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Colonoscopies

Cover for colonoscopies, which is a prodedure to examinate the colon (large intestine or bowel).

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Grommets in ears

For treatment of conditions affecting the middle ear.

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Gynaecological services

Cover for gynaecological treatments in hospital.

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Hernia repair

Treatment for hernias provided in hospital.

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Joint reconstructions

Reconstructive surgeries for shoulders, knees, etc.

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Back surgery

Including herniated discs and vertebral fusion surgeries.

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Brain surgery

Including biopsies and craniotomy.

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Plastic and reconstructive surgery

Surgical specialty involving the restoration, reconstruction, or alteration of the human body (excludes cosmetic surgery).

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In-hospital rehabilitation treatment

Rehabilitation for hospital services with restricted or excluded benefit entitlement will have reduced or nil benefit eligibility.

For hospital services or treatments that have Restricted benefit availability under Value Hospital Cover, no benefit is paid towards the cost of theatre charges raised for inpatient services in a private hospital or day surgery.

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Access Gap cover

A benefit over and above the Medicare Benefits Schedule for participating doctors on inpatient services.

We'll do our best to avoid the jargon to help make your cover easy to use and understand, but there's some that are ticky to ignore. We recommend getting to know the difference between 'inpatient' Vs 'outpatient' services. Hospital accommodation and medical costs can only be paid if you're an 'inpatient' and admitted to hospital or day surgery at the time of treatment.

Learn the jargon and familiarise yourself with our glossary here and get to know all about Access Gap cover.

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Nursing home type patients

We pay a benefit towards a nursing home patient. This amount is determined by the Federal Government. Certification is required.

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Public hospital accommodation as a private patient in a shared room

If you need to have treatment in a public hospital, you'll be treated as a private patient in a shared room.