Mid-level hospital cover
If you're looking for a high quality, lower cost hospital cover our Intermediate Hospital cover might be just for you. This level of hospital cover is suitable for those not yet planning for a family; still feeling fit and healthy or for those just wanting cover just in case.
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 other surgical procedures, but takes out, or reduces cover for certain hospital services that you may not consider to 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.
Fees that a hospital charge for the usage of the operating room and equipment.
Surgically implanted prostheses
Benefits for surgically implanted artificial hips and knees etc.
For time required to be spent in intensive care.
Tonsil and adenoids removal
Hospital admission for removal of tonsils and/or adenoids.
Removal of the appendix.
Cover for colonoscopies
Grommets in ears
For treatment of conditions affecting the middle ear.
Cover for gynaecological treatments in hospital.
Treatment for hernias provided in hospital.
Reconstructive surgeries for shoulders, knees, etc.
Including herniated discs and vertebral fusion surgeries.
Including biopsies and craniotomy.
Plastic and reconstructive surgery
Surgical specialty involving the restoration, reconstruction, or alteration of the human body (excludes cosmetic surgery).
In-hospital rehabilitation services
Rehabilitation of patients with neurological, muscular skeletal, orthopaedic and other medical conditions following stabilisation of their acute medical issues
Access Gap Cover
The Access Gap benefit, for in-patient services, is a benefit over and above the Medicare Benefits Schedule for participating doctors.
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.