ADF hospital cover options
ADF Top Hospital
The ADF Top Hospital product provides comprehensive benefits for hospital accommodation, theatre fees, medical, surgical and other agreed charges in more than 475 Defence Health agreement private hospitals and day hospital facilities.
This product may also provide benefits for medical, surgical, nursing and other services provided outside of hospital where those services are intended to substitute for treatment provided in hospital. These treatments will only be available to you if they are 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.
Excess options to reduce your hospital premium
You can reduce your premium by choosing one of the excess options below with ADF Top Hospital. The excess you choose is payable by you once per policy per financial year on overnight accommodation and theatre fees. It is not applied in the case of same day procedures or children under 16 years of age.
Excess options for ADF Families
ADF Top Hospital 300 – reduced premium in return for a $300 excess
ADF Top Hospital 500 – reduced premium in return for a $500 excess
ADF Top Hospital 800 – reduced premium in return for a $800 excess
Excess options for ADF Singles
ADF Top Hospital 250 – reduced premium in return for a $250 excess
ADF Top Hospital 400 – reduced premium in return for a $400 excess
Find a Defence Health agreement hospital
Search from more than 475 Defence Health agreement private hospitals and day hospital facilities. This is one of the best ranges in Australia.
ADF Public Hospital
The ADF Public Hospital product covers the cost of a shared ward in a public hospital only. It is designed for members living in rural areas without access to private hospitals. It allows you to choose your doctor from one of the doctors associated with the public hospital, but may not help you avoid the public hospital waiting lists.
ADF Public Hospital cover is not adequate for private hospital treatment as you will incur significant out-of-pocket expenses.
This product may also provide benefits for medical, surgical, nursing and other services provided outside of hospital where those services are intended to substitute for treatment provided in hospital. These treatments will only be available to you if they are clinically appropriate to your personal circumstances. Your treating practitioner will work with the service providers to put the most appropriate services (if any) in place for you.
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