Hospital cover
* Price calculated for singles membership in NSW with the highest excess level available. This includes the Federal Government Rebate and a 0% Lifetime Health Cover loading. The minimum payment frequency is fortnightly. Please click here for information on your payment options.
Take a look ...
If your health needs are changing or you're thinking about having a baby and want comprehensive hospital cover for total peace of mind.
What's included?
Comprehensive hospital cover, including obstetrics-related and assisted reproductive services, hip and knee joints replacement, major eye surgery, renal dialysis and more.
Purchase with...
Top Hospital can be purchased on its own, or with an extras cover of your choice.
| Services |
Included: |
| Ambulance services - more info > | Yes |
|---|
| Knee reconstruction surgery and investigations | Yes |
|---|
| Shoulder reconstruction surgery & investigations | Yes |
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| Appendicitis treatment | Yes |
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| Removal of tonsils and adenoids | Yes |
|---|
| Surgical removal of wisdom teeth | Yes |
|---|
| Colonoscopies | Yes |
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| Palliative care | Yes |
|---|
| Psychiatric treatment | Yes |
|---|
| Rehabilitation treatment | Yes |
|---|
| Heart-related services | Yes |
|---|
| Obstetrics-related services | Yes |
|---|
| Assisted reproductive services | Yes |
|---|
| Plastic & reconstructive surgery | Yes |
|---|
| Major eye surgery - including cataract & lens-related services | Yes |
|---|
| Hip & knee joint replacement surgery | Yes |
|---|
| Renal dialysis | Yes |
|---|
| All other in-hospital services where a Medicare benefit is payable | Yes |
|---|
| Excess options | No excess or $250 or $500 |
|---|
What benefits are paid?
For the services included under each of our covers, we'll pay benefits (less any applicable excess) towards:
- private hospital accommodation
- overnight accommodation in a private or shared room
- same day admissions
- intensive care
- theatre fees
- public hospital accommodation as a private patient
- overnight accommodation in a private or shared room
- same day admissions (shared room only)
- doctors' fees for in-hospital medical services when you are treated as a private patient
- surgically implanted prostheses and other items on the Federal Government's Prostheses Schedule.
What's an excess?
If you have an excess on your cover, you pay
this amount towards the cost of your hospital
treatment. The higher the excess on your cover,
the lower your premium. An excess applies per
person per calendar year and doesn't apply to
children on your membership.
Key
- Yes
- Services we pay benefits for
- No
- Services we don't pay benefits for
- Restricted
- Services we pay limited benefits for in a private hospital. Because the benefits for restricted services generally won't cover the full cost of treatment in a private hospital and you may end up with significant out-of-pocket expenses, it's important to consider whether you're likely to need these services.
Waiting periods apply including the general 2 month waiting period, 12 months for pre-existing ailments and a 12 month waiting period for obstetrics-related services. For more information including other benefit assessment information, please refer to Things worth knowing.
Note: no benefits are payable for cosmetic surgery on any of our products.