We’re committed to delivering market leading health insurance at an affordable price. That’s why we’ve introduced our Access Gap Cover initiative, which is designed to help minimise or, in some cases, eliminate out-of-pocket expenses when you go to hospital.

For most hospital services, Medicare sets an amount known as the Medicare Benefit Schedule fee (MBS). When you go into hospital, this is the amount you’re guaranteed will be covered - Medicare covers 75% of the MBS fee, and we cover the other 25%.

Some doctors, however, charge more than the MBS fee. We try and make treatment more affordable by offering Access Gap cover, if your doctor participates in what’s called the Access Gap scheme.

Find a provider

You can also find doctors who may participate in the Access Gap scheme by searching below by speciality, name, suburb, hospital or postcode. Then select a health practitioner to view their profile containing their gap participation, special interests, practice locations, contact details and more.