From
17.30

per week

Price quoted is for Top Hospital only cover for a single, including 25.415% government rebate and $500 excess.

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Top Hospital cover

Our highest level of hospital cover

If you’re worried about public hospital waiting times, and want to ensure you and your family can see the doctor of your choice, then Top Hospital cover is for you.

With our Top Hospital cover, you’ll get comprehensive insurance that covers you for things like accommodation in a private or public hospital, theatre fees, intensive care and many surgical events, plus you can choose the excess level that suits you and your family that you pay towards any in-patient treatment.

What you're covered for

Everything you're covered for under our Top Hospital Cover
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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.

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Private hospital accommodation

Accommodation in a private hospital for surgeries and procedures.

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Theatre fees

Fees that a hospital charge for the usage of the operating room and equipment.

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Intensive care

For time required to be spent in intensive care.

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Surgically implanted prostheses

Benefits for surgically implanted artificial hips and knees etc.

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Medical gap

Cover for the 25% of cost between the 75% Medicare Benefit and the Medicare Benefits Schedule fee for inpatient services.

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Tonsils and adenoids removal

Surgery to remove the adenoids and tonsils.

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Colonoscopies

Cover for colonoscopies

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Grommets in ears

For treatment of conditions affecting the middle ear.

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Gynaecological services

Cover for gynaecological treatments in hospital.

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Hernia repair

Treatment for hernias provided in hospital.

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Joint reconstructions

Reconstructive surgeries for shoulders, knees, etc.

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Back surgery

Including herniated discs and vertebral fusion surgeries.

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Brain surgery

Including biopsies and craniotomy.

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Assisted reproductive services

Includes services such as IVF.

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In-hospital rehabilitation services

Rehabilitation of patients with neurological, muscular skeletal, orthopaedic and other medical conditions following stabilisation of their acute medical issues.

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Heart surgeries

Cardiac and cardiac related services

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Major eye surgery

Includes cataract surgery and surgery for other major eye conditions. Does not include laser surgery to restore vision.

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Gastric banding and obesity surgery

A benefit limitation period (BLP) applies.

A BLP of two years (24 months) applies to bariatric surgery (weight loss surgery) including but not limited to gastric banding, gastric sleeving/diversion and gastric bypass surgery, including replacement, repair of adjustments.

Hospital benefits payable on these hospital services during the designated BLP will be the minimum benefit declared by the Minister for Health and Ageing, except when a waiting period hasn't been fully served yet, in which case no benefit applies.

BLPs don't apply to new Members transferring from another private insurer, or for existing Members changing your level of hospital cover, as long as you transfer within 63 days of ceasing your previous cover. If you hadn't fully served your waiting periods under your previous cover, you'll be required to finish serving these waiting periods before you'll be entitled to benefits in a private or public hospital.

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Access Gap Cover

The Access Gap benefit, for in-patient services, is a benefit over and above the Medicare Benefits Schedule for participating doctors.

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Most pharmaceuticals relating to your admission

Most pharmaceuticals (prescribed medications) relating to your surgery, procedure or hospital admission.

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Nursing home type patients

We pay a benefit towards a nursing home patient. This amount is determined by the Federal Government. Certification is required.

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Mechanical aids and appliances

Benefit up to 85% of the cost or hire of approved mechanical appliances and artificial aids.

Covered products include: blood pressure monitors, glucometers, tens machines, crutches, walking frames, wigs, . A limit of $2,000 per person per Membership Year applies. Benefit replacement periods apply on certain mechanical aids.

Benefits are not available on second hand equipment or on consumables. A benefit is payable for short term hiring (up to 3 months) of some mechanical aids and the purchase of some machines and monitors is limited to once every three years.

* Excluding repairs and consumables (mask and tubing) for CPAP machines which are paid at 85% of cost up to $250 once every 12 months, within the $2,000 per person per membership year limit for mechanical aids and appliances.

Tens machine (not circulation booster): Sub limit of 85% of cost up to $250 per person per membership year.

Pleaset note: A letter of referral from your doctor or practitioner may be needed. Please contact us before purchasing an aid or appliance to check these requirements and what benefits may be payable.

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Mammograms and bone density test

Benefit up to $75, limited to 2 services for each of these tests. Claims are subject to there being no Medicare benefit payable. The Membership Year limit is $300 per person covered. 

Also includes benefits for digital mammography and breast tomosynthesis.

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Hearing aids

The hearing aid/s benefit limit is provided to use over three Membership Years, based on the date your purchase of a hearing aid/s is made. The limit amount applied is based on your length of membership with Territory Health Fund.

  • Up to 10 years - $1,000
  • 10-15 years membership - $1,500
  • 15+ years - $2,000.

Benefits per person are calculated at 85% of purchase cost up to the appropriate benefit limit.

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Nursing

  • Special – Benefit of up to $150 per day limited to $750 per person covered.
  • Home – Benefit up to $15 per visit or $60 per day limited to $600 covered.
  • Bush – Benefit up to $15 towards the cost of treatment with an annual limit of $300 per person.

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Hospital boarder

Benefits up to $35 per day to a maximum of four days per person listed on the membership.

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Renal dialysis

Treatment for kidney failure, e.g. chronic renal failure.

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Hip and knee joint replacement surgery

A benefit limitation period (BLP) of two years (24 months) applies to hip or knee joint replacements.

Hospital benefits payable on these hospital services during the designated BLP will be the minimum benefit declared by the Minister for Health and Ageing, except when a waiting period hasn't been fully served, in which case no benefit applies.

BLPs don't apply to new Members transferring from another private insurer, or for existing Members changing your level of hospital cover, as long as you transfer within 63 days of ceasing your previous cover. If you hadn't fully served your waiting periods under your previous cover, you'll be required to finish serving these waiting periods before you'll be entitled to benefits in a private or public hospital.

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Public hospital accommodation as a private patient

If you need to have treatment in a public hospital, you'll be treated as a private patient.