First Choice Hospital

Basic hospital cover

I’m healthy and on a budget – I want hospital cover just in case something unexpected happens
  • Avoid the Medicare Levy Surcharge
  • Budget-friendly
  • Our basic hospital cover
  • Choose a higher excess to reduce your premium

What's covered?

We cover all services where a Medicare benefit is payable unless it’s on the list of excluded or restricted services. Covered services include:

  • Colonoscopies
  • Appendicitis treatment
  • Removal of tonsils and adenoids
  • Knee reconstruction surgery and investigations.

For these services we pay benefits towards (less any applicable hospital excess):

  • 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)
  • Surgically implanted prostheses and other items on the Federal Government’s Prostheses Schedule

What's restricted?

We cover the following restricted services but pay lower benefits towards them in a private hospital:

  • Psychiatric treatment
  • Rehabilitation treatment.

What's not covered?

We don’t pay benefits towards the following excluded services:

  • Cardio-thoracic procedures such as angiograms or open heart and bypass surgery
  • Major eye surgery – including cataract and lens-related services
  • Hip and knee joint replacement surgery
  • Obstetrics-related services
  • Assisted reproductive services such as IVF and GIFT
  • Plastic and reconstructive surgery
  • Renal dialysis.

Your excess options

An excess is an amount that you agree to pay if admitted to hospital in exchange for lower premiums. It’s paid per member per calendar year but does not apply to any child on the membership. Your excess options are:

Level 1 Level 2 Level 3
Excess options $150 $250 $500

Before you join it's important that you take a look at Things worth knowing for information on waiting periods (including pre-existing ailments) and other benefit assessment information.

Is this cover right for me?

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Other Joining Options

Call us on:

132 331 within Australia
+61 3 8622 5780 outside Australia

8am - 8pm Monday to Friday or
8am - 4pm on Saturday,
Australian Eastern Standard Time