Compare our hospital covers to find the option that best suits your circumstances using the table below:
HOSPITAL COVER
FIVE STAR GOLD
BASIC PLUS
Choice of Doctor
Choice of Hospital
Excess options available
Private Room, Public* or Private Hospital
*out of pocket costs could apply
Shared Room, Public or Private Hospital
*out of pocket costs could apply
Theatre Fees
Gap Medical Benefits
Prosthesis
Clinical Categories
Hospital services/treatments are classified by Clinical Category in order to make it easier for you to know
exactly what you are covered for, and what you are not covered for, should you be admitted to hospital.
The table below is provided for your information:
COVER
FIVE STAR GOLD
BASIC PLUS
EXCESS OPTION
$250, $500, $750
$750
Rehabilitation
R
Hospital psychiatric services
R
Palliative care
R
Brain and nervous system
R
Eye (not cataracts)
R
Ear, nose and throat
R
Tonsils, adenoids and grommets
R
Bone, joint and muscle
R
Joint reconstructions
R
Kidney and bladder
R
Male reproductive system
R
Digestive system
R
Hernia and appendix
R
Gastrointestinal endoscopy
R
Gynaecology
R
Miscarriage and termination of pregnancy
R
Chemotherapy, radiotherapy and immunotherapy for cancer
R
Pain management
R
Breast surgery (medically necessary)
R
Skin
R
Diabetes management (excluding insulin pumps)
R
Heart and vascular system
R
Lung and Chest
R
Blood
R
Back, neck and spine
R
Plastic and reconstructive surgery (medically necessary)
R
Dental surgery
R
Podiatric surgery* (provided by an accredited podiatric surgeon – limited benefits)
R
Implantation of hearing devices
R
Cataracts
R
Joint replacements
R
Dialysis for chronic kidney failure
R
Pregnancy and birth
R
Assisted reproductive services
R
Weight loss surgery
R
Insulin pumps
R
Pain management with device
R
Sleep studies
R
*Limited benefits apply – contact the Fund for information.
No restrictions or exclusions:
This level of cover has no restrictions on services covered. You will be fully covered in a shared or private room in a private hospital or private day facility. For private room accommodation in a public hospital the Fund will pay an additional benefit of $80 above the shared ward accommodation rate.
R - Restricted benefits: You will be covered in a shared ward in a public hospital only. If you are
admitted to a private hospital or private day facility to be treated, it is likely to result in large out of
pocket expenses. Some specialists may not operate in a public hospital, please take this into consideration
when choosing your hospital cover.
