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Top Hospital - CoverWise (X1 to X5)
Reduce your premium by paying an excess
Choosing the right cover
Before you start, it's essential that you understand the 'rules' that apply to private health cover. Because these rules affect all health cover options, you must read and retain all information provided in the Important Information page.
If you have any questions at all about what the terms and conditions mean or how they might affect you, please call us on 1300 362 155.
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X1 |
$150 excess |
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X2 |
$250 excess |
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X3 |
$500 excess |
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*X4 |
$750 excess |
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*X5 |
$1000 excess |
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*Top Hospital CoverWise X4 or X5 will not exempt you from the Medicare Levy Surcharge |
What is covered in hospital?
You have the security of our Top Hospital cover explained below,
with an excess.
How does the excess work?
In much the same way you claim on your car or home insurance, the excess is deducted from the cost of your hospital stay.
When the hospital cost is less than your excess:
You must pay all hospital costs for your treatment.
This does not count towards your excess if you have subsequent hospital treatments in the same year.
The excess does not apply to in-patient medical gap claims which are still covered even if the hospital costs are lower than the excess.
Special benefits
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Only 1 excess applies per person in any calendar year.
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Families never pay more than 2 excesses in any calendar year.
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The great advantage of this cover is you only pay the excess once in any calendar year, even if you are admitted to hospital again.
Top Hospital CoverWise X1 to X5
With an Excess - 30% Rebate rates - effective 1 April 2010
| Product | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | X1 | $46.73 | $93.46 | $202.54 | $601.53 | $1,190.91 | $2,333.19 | | X2 | $42.48 | $84.91 | $184.00 | $546.56 | $1,082.05 | $2,120.00 | | X3 | $33.73 | $67.41 | $146.09 | $433.95 | $859.14 | $1,683.28 | | X4 | $28.14 | $56.33 | $122.02 | $362.38 | $717.50 | $1,405.71 | | X5 | $24.86 | $49.77 | $107.81 | $320.25 | $634.07 | $1,242.32 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
Top Hospital CoverWise X1 to X5
With an Excess - 30% Rebate rates including Direct Debit discount - effective 1 April 2010
| Product | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | X1 | $45.79 | $91.58 | $198.45 | $595.45 | $1,190.91 | $2,333.19 | | X2 | $41.61 | $83.23 | $180.34 | $541.02 | $1,082.05 | $2,120.00 | | X3 | $33.01 | $66.08 | $143.16 | $429.54 | $859.14 | $1,683.28 | | X4 | $27.58 | $55.17 | $119.58 | $358.75 | $717.50 | $1,405.71 | | X5 | $24.39 | $48.74 | $105.67 | $317.03 | $634.07 | $1,242.32 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
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What is covered in hospital |
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Private or shared room
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In a private or a public hospital, it’s your choice. Private rooms are subject to availability on admission.
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Accommodation charges
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Covers your room, theatre, intensive care, labour and recovery ward fees, medicines and drugs clinically required as part of your in-patient treatment.
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365 days accommodation cover
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For admissions longer than 35 consecutive days, your cover continues when your doctor provides an ongoing Acute Care Certificate.
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Day procedures
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These now account for more than half of all hospital treatment, such as knee arthroscopies, chemotherapy and cataract surgery.
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Surgically implanted prostheses
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All prostheses are covered in accordance with the Commonwealth Prostheses Listing.
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Major surgery
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Coronary/heart procedures, joint replacement, cataract surgery are just some of the major procedures covered.
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Obstetric related services
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In-patient services directly related to childbirth such as antenatal services, complications of pregnancy, delivery and post natal care.
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Assisted reproductive services
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Various treatments available to assist conception, such as IVF and GIFT.
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Psychiatric care
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In-hospital treatment and programs for mental disorders.
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Rehabilitation
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Treatment to restore self-sufficiency following an illness or injury usually in specialist centres and hospitals.
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Supported discharge
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The supported discharge program is designed to provide an alternative to inpatient bed days. This program provides a wide range of services that assist policy holders to be discharged from hospital to a safe and supported environment.
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Private midwife at a hospital birth
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Services of a qualified private midwife instead of an obstetrician. Up to $450 per hospital birth.
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Your personal comforts
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In participating private hospitals your cover includes the cost of local phone calls and TV hire.
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Autologous blood collections
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Enables the use of your own blood during operations.
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In-hospital medical gap cover
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Medicare rebates 75% of the Medicare Schedule Fee for in-hospital medical charges and Latrobe rebates the remaining 25%.
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Just Ask!®
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Additional medical benefits to reduce or eliminate the gap for in-hospital medical charges higher than the Medicare Schedule Fee.
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What is not fully covered in hospital |
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Treatment not covered by Medicare ie. procedures that do not have a benefit payable under the Medicare Benefit Schedule. Refer to non-Medicare covered treatments. Accommodation charges may not be fully covered in a non-participating private hospital
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