Our top, comprehensive cover gives you Australia wide cover in a contracted private hospital or private day facility.
If you would prefer to pay a lower premium and still have the most comprehensive cover, our Five Star Gold Hospital Cover has a choice of three different excess amounts that you can choose to pay on admissions to hospitals.
It is the same top cover with no exclusions but with a known upfront excess amount to pay. The higher the excess, the lower the premium.
We have contracts with more than 445 private hospitals Australia wide, to give you peace of mind knowing that you will be covered. Using a contracted private hospital will provide you with the maximum cover for your accommodation and theatre fees.
No restrictions or exclusions: This level of cover has no restrictions on services covered. You will be fully covered in a shared or private room in a private hospital or private day facility. For private room accommodation in a public hospital the Fund will pay an additional benefit of $80 above the shared ward accommodation rate.
Important Information:
Clinical categories are defined by the Department of Health.
Waiting periods:
If you are transferring from another health fund and you have already served your waiting periods for an equivalent level of cover, you will not have to re-serve your waiting periods.
Pre-existing conditions: 12 months
Pregnancy and Birth related services: 12 months
All other hospital treatment, including Rehabilitation, Psychiatric, Services and Palliative Care: 2 months
Accidental Injury: Immediate
For more information on waiting periods, click here.
