Top Hospital v Public Hospital

Top Hospital covers up to 100% of the costs of being a private patient in both private and public hospitals.

Public Hospital covers the cost of a shared ward in a public hospital and is designed for those without access to private hospitals.

 

Top
Hospital

Public
Hospital

Excess options
Singles

$250 or $400

No

Couples

$300, $500 or $800

No

Families

$300, $500 or $800

No

Single Parent Families

$300, $500 or $800

No

Agreement private hospital
Private room

Yes

Out-of-pockets apply

Shared room

Yes

Out-of-pockets apply

Agreement day hospital facility
Private room

Yes

Out-of-pockets apply

Shared room

Yes

Out-of-pockets apply

Public hospital
Private room

Yes

Out-of-pockets apply

Shared room

Yes

Yes

Doctors' fees
Amount of MBS fee not reimbursed by Medicare

Yes

Yes

Additional amount above the MBS fee

Yes*

Yes*

Benefits
Theatre fees

Yes

No

Labour ward fees

Yes

No

Intensive care unit/Critical care unit

Yes

Yes

High dependency care unit/Advanced dependency unit

Yes

Yes

Surgically implanted prostheses

Yes^

Yes^

Pharmaceuticals supplied in hospital

Yes

Yes#

Disposable items

Yes

Yes

Hospital in the home

Yes

Yes

Ambulance treatment

Yes

Yes

Midwifery

Yes

No

Home nursing

Yes

No

Recovery Assist - early discharge program

Yes

Yes

Mother Care - maternity early discharge program

Yes

Yes

Family Assist - maternity support program

Yes

Yes

Mental Health Relapse Prevention program

Yes

Yes

* If your doctor chooses to apply Defence Health’s Access Gap Cover schedule of fees, then we can cover up to 100% of the doctor's fee.
^ No-gap prostheses as defined in the Federal Government’s Prostheses Listing are covered 100%. More expensive prostheses may attract out-of-pocket expenses.
# Pharmaceuticals are not covered where you choose to be treated in a private hospital.

Non-resident limitations

The Top Hospital and Public Hospital products are not suitable for non residents without full Medicare entitlements. This includes overseas visitors from countries with Australian Government reciprocal health care arrangements.

  • Bookmark
  • Email
  • Print

Get covered today

Join now

Compare products

Compare and choose one that's right for you.

Compare products

Quick
quote

Find a product that suits your budget.

Get a quote