Hospital cover

Hospital cover is designed to assist you with the costs associated with going to hospital as a private patient. In most cases, it covers you for up to 100% of the hospital facilities you use, including the ward, the bed, meals, theatre, treatments, equipment and care. It can also help you pay for doctors’ fees, prostheses, pharmaceutical fees and ambulance fees associated with going to hospital.

We have five levels of hospital cover:

gold premium hospital

No exclusions or restrictions; if Medicare pays a benefit on the procedure you are having in hospital, so does Gold Premium Hospital.

Silver Plus Smart hospital

A comprehensive everyday level of cover that suits most people’s needs but it doesn’t cover you for procedures such as joint replacement or their revisions or for kidney dialysis.

Bronze Plus Step Up Hospital

This cover is ideal for young people who are new to health insurance. It doesn’t cover you for: joint replacement procedures and their revisions, kidney dialysis, spinal surgery or major eye surgery.

Bronze Plus First Start Hospital

Well suited to young people taking out hospital cover for the first time, who don’t have any specific health issues or concerns.

basic public hospital

Basic Plus Public Hospital is great for people who don’t need or want to be covered in a private hospital, but do value the ability to choose their own doctor in a public hospital.

Extras cover

Extras cover is designed to assist you with the costs of healthcare services and treatments (like dental, optical, physiotherapy, speech therapy, natural therapies, vaccines and more) that aren’t provided by a doctor in hospital. The amount you can get back depends on the level of cover you choose.

We have three levels of extras cover, which you can mix-and-match with any of our hospital covers:

premium extras

This is our top-level extras. It is a great cover for people who are high users of particular healthcare treatments or services. It's also our only extras cover with benefits for orthodontics – the ideal choice for families with growing smiles.

smart extras

Smart Extras excludes cover for orthodontic treatment and is ideal for singles, couples or families. Its benefits are only slightly lower than our top extras offers, and most annual benefits limits are available 'per membership' rather than 'per person'.

value extras

Value Extras is an ideal starter cover for those who only use the occasional extra healthcare services. This one leaves out orthodontics and major dental, but includes great general dental and a range of the most commonly used specialist and alternative therapies.