The Basic Plus hospital cover will give you shared room accommodation in a public hospital with your choice of doctor.
The choice is yours. Both types of hospital cover can be taken on their own or combined with an extras cover depending on your needs and budget.
COVER
BASIC PLUS
EXCESS OPTION
$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.
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.
Important Information:
Clinical categories are defined by the Department of Health.
Waiting periods:
If you are transferring from another health fund and you have already served your waiting periods for an equivalent level of cover, you will not have to re-serve your waiting periods.
Pre-existing conditions: 12 months
Pregnancy and Birth related services: 12 months
All other hospital treatment, including Rehabilitation, Psychiatric, Services and Palliative Care: 2 months
Accidental Injury: Immediate
For more information on waiting periods, click here.
Important information about hospital cover
We understand that there is a lot to know about hospital cover. We have broken down some important information about hospital cover and what you need to know when purchasing hospital cover.
