Our Member Service Centre is available to help you compare and determine the best level of hospital cover to match your needs. You can also talk to them about comparing extras.

  Gold Silver Bronze  Basic
  Gold Top Hospital Gold Hospital with co-payment options Gold Family Care Hospital Options Gold Hospital reducing excess Gold Hospital with excess options SilverPlus Silver  BronzePlus Healthy Start Basic Hospital Package Basic Public Hospital
What you’re covered for
Rehabilitation [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted] [restricted] [restricted]
Hospital psychiatric services [yes] [yes] [yes] [yes] [yes] [restricted] [restricted] [restricted] [restricted] [restricted]
Palliative care [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted] [restricted] [restricted]
Brain and nervous system [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Eye (not cataracts) [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Ear, nose and throat [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Tonsils, adenoids and grommets [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Bone, joint and muscle [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Joint reconstructions [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Kidney and bladder [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Male reproductive system [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Digestive system [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Hernia and appendix [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Gastrointestinal endoscopy [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Gynaecology [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Miscarriage and termination of pregnancy [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Chemotherapy, radiotherapy and immunotherapy for cancer [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Pain management [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Skin [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Breast surgery (medically necessary) [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Diabetes management (excluding insulin pumps) [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Heart and vascular system [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [restricted] [restricted]
Lung and chest [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [restricted] [restricted]
Blood [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [restricted] [restricted]
Back, neck and spine [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [restricted] [restricted]
Plastic and reconstructive surgery (medically necessary) [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [restricted] [restricted]
Dental surgery [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Podiatric surgery (provided by a registered podiatric surgeon) [restricted] [restricted] [restricted] [restricted] [restricted] [restricted] [restricted] [no] [restricted] [restricted]
Implantation of hearing devices [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [restricted] [restricted]
Cataracts [yes] [yes] [yes] [yes] [yes] [yes] [no] [no] [restricted] [restricted]
Joint replacements [yes] [yes] [yes] [yes] [yes] [yes] [no] [no] [restricted] [restricted]
Dialysis for chronic kidney failure [yes] [yes] [yes] [yes] [yes] [yes] [no] [no] [restricted] [restricted]
Pregnancy and birth [yes] [yes] [yes] [yes] [yes] [no] [no] [no] [restricted] [restricted]
Assisted reproductive services [yes] [yes] [yes] [yes] [yes] [no] [no] [no] [restricted] [restricted]
Weight loss surgery [yes] [yes] [yes] [yes] [yes] [no] [no] [no] [restricted] [restricted]
Insulin pumps [yes] [yes] [yes] [yes] [yes] [yes] [no] [no] [restricted] [restricted]
Pain management with device [yes] [yes] [yes] [yes] [yes] [yes] [no] [no] [restricted] [restricted]
Sleep studies [yes] [yes] [yes] [yes] [yes] [yes] [no] [no] [restricted] [restricted]
What else is covered?
365 days accommodation cover [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Private or shared room [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Accommodation charges [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Theatre fees [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [no]
Surgically implanted prostheses [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted] [restricted]
Private midwife at hospital birth [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [no]
TV hire, local phone [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [no] [no]
Accident cover, conditions apply [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [restricted]
Just Ask!® additional medical gap [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes] [yes]
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 Important: waiting periods and limited benefits may apply

[yes] Covered
Benefits will be paid for this service
[restricted] Restricted
Restricted services in a private hospital
[no] Excluded
If a service is an excluded benefit, this means that the service won't be covered by your health insurance policy, meaning we won’t pay a benefit towards these services.
  Gold Silver Bronze  Basic
  Gold Top Hospital Gold Hospital with co-payment options Gold Family Care Hospital Options Gold Family reducing excess Gold Family with excess options SilverPlus Silver  BronzePlus Healthy Start Basic Hospital Package Basic Public Hospital
General features
No excess or co-payment [yes] [no] [yes] [no] [no] [no] [no] [no] [yes] [yes]
Co-payment options $40 or $70 per day, max. 7 days each admission [no] [yes] [yes] [no] [no] [no] [no] [no] [no] [no]
Excess options. Applied once per person, maximum twice per family in any calendar year [no] [no] [no] [no] [yes] [yes] [yes] [yes] [no] [no]
Reducing excess. Excess reduces each year of membership [no] [no] [no] [yes] [no] [no] [no] [no] [no] [no]
Family cover including single dependants until their 25th birthday who are no longer student dependants [no] [no] [yes] [no] [no] [no] [no] [no] [no] [no]
A combined hospital and extras package, providing cover for treatment in a public hospital and limited cover for treatment in a private hospital [no] [no] [no] [no] [no] [no] [no] [no] [yes] [no]
Provides cover for treatment in a public hospital and limited cover for treatment in a private hospital [no] [no] [no] [no] [no] [no] [no] [no] [no] [yes]