Combined cover
We believe in making life as simple and as uncomplicated as possible. We simply offer two hospital products and two extras products. You can match them as you wish.
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is for the costs of:
- Hospital accommodation - whether same-day, overnight or long-stay
- Operating theatre fees
- Doctors' charges for in-hospital treatment
- Pharmaceuticals supplied in-hospital
- Prostheses, e.g. pacemakers, hip joints etc.
You can take either hospital product on its own or with either of the extras products.
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Covers up to 100% of the costs of being a private patient in both private and public hospitals.
No exclusions. No worries, comprehensive health insurance.
It is also available at a reduced premium in return for an optional excess.
Permanent ADF personnel can access ADF Top Hospital with or without an excess.
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Covers the cost of a shared ward in a public hospital. Designed for members who are living in rural areas without access to private hospitals. Will cover you for urgent medical procedures but timing of elective surgery is likely to be affected by public hospital waiting lists. Choice of doctor limited to those doctors associated with the public hospital.
Permanent ADF personnel can access ADF Public Hospital.
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is for those services which are not covered by Medicare, such as physiotherapy, chiropractic, dental and optical treatment and supplies, and suchlike.
You can take either extras product on its own or with either of the hospital products.
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Provides excellent benefits on an extensive range of general health care services.
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Provides good benefits on a select range of general health care services.
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* Public Hospital cover is not available in the Northern Territory. Current members moving to the NT are able to upgrade their cover to Top Hospital without the imposition of waiting periods.
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