Which level of ADF hospital cover is right for you?
We believe in making life as simple and as uncomplicated as possible, so we offer two hospital products for you to choose from.
Step 1: Choose the hospital cover that suits you best
| |
ADF Top Hospital |
ADF Public Hospital * |
|
Hospital cover helps with 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.
|
Covers up to 100% of the costs of being a private patient in both private and public hospitals.
This is set and forget comprehensive health insurance.
|
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 residing in the Northern Territory are referred to the hospital covers for the Defence community. Health care costs in the NT are the lowest in Australia and the national ADF premiums are unable to compete. You will get lower premiums if you purchase the NT civilian cover.
Step 2: Decide if you want an excess or not
If you choose ADF Top Hospital cover, you can reduce your premium by choosing to pay an excess if and when you receive hospital treatment. The excess you choose is payable once per policy per financial year, and is only applied to adults. Your dependent children are exempt from the excess payment.
Step 3: Choose who is to be covered
The premiums you pay for health insurance will vary depending on who is to be covered by the policy:
- ADF single policies cover one person who may be the partner or child of a serving member.
- ADF family policies cover a serving member's partner and their child/children.
- ADF children only policies cover two or more children of a serving member.
Which level of ADF hospital cover is right for you?
We believe in making life as simple and as uncomplicated as possible, so we offer two hospital products for you to choose from.
Step 1: Choose the hospital cover that suits you best
| |
ADF Top Hospital |
ADF Public Hospital * |
|
Hospital cover helps with 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.
|
Covers up to 100% of the costs of being a private patient in both private and public hospitals.
This is set and forget comprehensive health insurance.
|
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 residing in the Northern Territory are referred to the hospital covers for the Defence community. Health care costs in the NT are the lowest in Australia and the national ADF premiums are unable to compete. You will get lower premiums if you purchase the NT civilian cover.
Step 2: Decide if you want an excess or not
If you choose ADF Top Hospital cover, you can reduce your premium by choosing to pay an excess if and when you receive hospital treatment. The excess you choose is payable once per policy per financial year, and is only applied to adults. Your dependent children are exempt from the excess payment.
Step 3: Choose who is to be covered
The premiums you pay for health insurance will vary depending on who is to be covered by the policy:
- ADF single policies cover one person who may be the partner or child of a serving member.
- ADF family policies cover a serving member's partner and their child/children.
- ADF children only policies cover two or more children of a serving member.