Choose the level of hospital cover that is right for you
We believe in making life as uncomplicated as possible. We simply offer two hospital products for you to choose from.
Step 1: Choose the hospital cover that suits you best
| |
Top Hospital |
Public Hospital * |
|
Hospital cover 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.
|
Top Hospital covers up to 100% of the costs of being a private patient in both private and public hospitals.
No exclusions. No worries.
This is set and forget, comprehensive health insurance.
|
Public Hospital 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. |
* Public Hospital cover is not available in the Northern Territory. Current members moving to the Northern Territory are able to upgrade their cover to Top Hospital without the imposition of waiting periods.
Step 2: Decide if you want an excess of not
If you choose Top Hospital cover, you can reduce your premium by choosing one of the excess options below. The excess you choose is payable by you once per policy per financial year. It is not applied in the case of dependant children.
Excess options for singles
Top Hospital 250 - reduced premium in return for $250 excess
Top Hospital 400 - reduced premium in return for $400 excess
Excess options for couples and families
Top Hospital 300 - reduced premium in return for $300 excess
Top Hospital 500 - reduced premium in return for $500 excess
Top Hospital 800 - reduced premium in return for $800 excess
Choose the level of hospital cover that is right for you
We believe in making life as uncomplicated as possible. We simply offer two hospital products for you to choose from.
Step 1: Choose the hospital cover that suits you best
| |
Top Hospital |
Public Hospital * |
|
Hospital cover 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.
|
Top Hospital covers up to 100% of the costs of being a private patient in both private and public hospitals.
No exclusions. No worries.
This is set and forget, comprehensive health insurance.
|
Public Hospital 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. |
* Public Hospital cover is not available in the Northern Territory. Current members moving to the Northern Territory are able to upgrade their cover to Top Hospital without the imposition of waiting periods.
Step 2: Decide if you want an excess of not
If you choose Top Hospital cover, you can reduce your premium by choosing one of the excess options below. The excess you choose is payable by you once per policy per financial year. It is not applied in the case of dependant children.
Excess options for singles
Top Hospital 250 - reduced premium in return for $250 excess
Top Hospital 400 - reduced premium in return for $400 excess
Excess options for couples and families
Top Hospital 300 - reduced premium in return for $300 excess
Top Hospital 500 - reduced premium in return for $500 excess
Top Hospital 800 - reduced premium in return for $800 excess