Intermediate Hospital

Intermediate hospital cover

What's covered?

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

• Obstetrics-related services
• Assisted reproductive services such as IVF and GIFT
• Cardio-thoracic procedures such as angiograms or open heart and bypass surgery
• Colonoscopies
• Appendicitis treatment
• Removal of tonsils and adenoids
• Knee reconstruction surgery and investigations
• Plastic and reconstructive surgery (doesn’t include cosmetic surgery)
• Psychiatric treatment
• Rehabilitation treatment.

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

• Medically necessary ambulance transport

What's not covered?

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

• Major eye surgery – including cataract and lens-related services
• Hip and knee joint replacement 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:

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?