Top Hospital

Our Top Hospital cover provides comprehensive benefits for hospital accommodation, theatre fees, medical, surgical and other agreed charges in our agreement hospitals. Defence Health has agreements with a huge range of private hospitals and day hospital facilities in Australia. That gives you a broad choice - wherever you are.

Defence Health is a member of the Australian Health Service Alliance (AHSA) which represents 60% of the private health funds across Australia. The AHSA negotiates directly with hospitals and health service providers on behalf of millions of private health insurance members. Defence Health members benefit directly from the buying power the Alliance delivers.

A current listing of more than 500 Defence Health agreement private hospitals and day hospital facilities is available on Find a hospital page.

Excess options to reduce your hospital premium

You can reduce your premium by choosing Top Hospital with one of the excess options below. If you are admitted to hospital, the excess you choose is payable once per policy per financial year, and is only applied to adult admissions. Your dependent children are exempt from the excess payment.

Excess options for couples and families

Top Hospital 300 - $300 excess
Top Hospital 500 - $500 excess
Top Hospital 800 - $800 excess

Excess options for singles

Top Hospital 250 - $250 excess
Top Hospital 400 - $400 excess

	Treatment in an agreement hospital or public hospital
General hospital costs	100% covered for: private or shared room accommodation same day hospitalisation and day surgery intensive / coronary care, etc. If an excess option is selected, the excess will not apply to your dependent children.
Theatre fees / Labour ward	100% covered. If an excess option is selected, the excess will not apply to your dependent children.
Drugs supplied in hospital	100% covered when related to the reason for admission and covered under the agreement with the hospital. Public hospital generally supply drugs without charge.
Surgically implanted medical devices or joint replacement	100% covered for no-gap prostheses as defined in the Federal Government’s Prostheses Listing. There is a no-gap prosthesis available for every Medicare procedure. Other more expensive prostheses may be available for your surgery. However, if you agree to have one of these, your benefit will be limited to that payable for the no-gap alternative.
Doctors' fees	If your doctor chooses to use the Access Gap Cover schedule of fees, Defence Health can cover up to 100% of the doctor’s fee. At a minimum, Defence Health will cover the difference between the Medicare rebate and the Medicare Benefits Schedule (MBS) fee. More information...
Hospital in the home	Defence Health has agreements with a number of hospitals to deliver out of hospital care to hospital patients for services such as wound management, intravenous therapy and post-natal care.
Ambulance treatment	100% covered for all treatment provided by a registered ambulance service in Australia, including emergency services, non-emergency services, mobile intensive care, air and sea ambulance services.
Complementary healthcare services	The following range of programs and services help you look after your health and wellbeing outside of hospital. midwifery services hospital substitute programs chronic care programs maternity support service home nursing When clinically appropriate to your personal circumstances, your treating practitioner will work with the service providers to put the most appropriate services in place for you. More information...

Treatment in a non-agreement private hospital

Cover is limited in non-agreement private hospitals. You will incur out-of-pocket expenses.

What is not covered

For details on what is not covered by Top Hospital please refer to the What is not covered page.

This information is current as at 1 April 2011 and effective through to 31 March 2012. It replaces all earlier versions. Please read it carefully.

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