Intermediate Hospital cover
Medium level hospital cover
If you're looking for a medium level of cover, if you haven't started planning for a family and still feel fit and healthy, or just want cover just in case, our Intermediate Hospital Cover is for you.
With our Intermediate Hospital cover, you’ll be covered for things like accommodation in a private or public hospital, theatre fees, intensive care and many surgical events, but leaves out certain services that you may not need yet.
What you're covered for
Your choice of doctor/hospital
With private hospital cover, you'll avoid potentially long public hospital waiting times and can choose to be treated by your preferred doctor.
Private hospital accommodation
Accommodation in a private hospital for surgeries and procedures.
Reconstructive surgeries for shoulders, knees, etc.
Including herniated discs and vertebral fusion surgeries.
Including biopsies and craniotomy.
Tonsil and adenoids removal
Hospital admission for removal of tonsils and/or adenoids.
Cover for colonoscopies
Grommets in ears
For treatment of conditions affecting the middle ear.
Cover for gynaecological treatments in hospital.
In-hospital rehabilitation services
Rehabilitation of patients with neurological, muscular skeletal, orthopaedic and other medical conditions following stabilisation of their acute medical issues
Treatment for hernias provided in hospital.
Fees that a hospital charge for the usage of the operating room and equipment.
For time required to be spent in intensive care.
Surgically implanted prostheses
Benefits for surgically implanted artificial hips and knees etc.
Medically necessary plastic and reconstructive surgery
Medically necessary cosmetic procedures, such as for burns or major injuries.
Cover for the 25% of cost between the 75% Medicare Benefit and the Medicare Benefits Schedule fee for inpatient services.
Access Gap Cover
The Access Gap benefit, for in-patient services, is a benefit over and above the Medicare Benefits Schedule for participating doctors.
Most pharmaceuticals relating to your admission
Most pharmaceuticals (prescribed medications) relating to your surgery, procedure or hospital admission.
Nursing home type patients
We pay a benefit towards a nursing home patient. This amount is determined by the Federal Government. Certification is required.
Public hospital accommodation as a private patient (intermediate)
If you need to have treatment in a public hospital, you'll be treated as a private patient.
For Members with Intermediate Hospital cover, benefits are available for all included services, as well as restricted services, up to the public hospital default rate.