Our highest level of hospital cover
Value Plus Hospital cover is our most extensive hospital product – it’s most popular with people who want greater peace of mind, paying benefits for a wide range of inpatient hospital services like pregnancy, heart related procedures, major eye surgery and joint replacement surgery.
Best suited for couples, singles and families wanting our highest level of hospital cover.
- Our highest level of hospital cover
- Cover for private hospital accommodation^
- Doctors’ fees for services provided in a hospital^
- Cover for most major surgeries^
- Choose from a $250 or $500 excess
- Excellent benefits for mechanical aids and appliances
- Combine with any of our extras products
^ Once all applicable waiting periods have been served. Some services are excluded or restricted on this level of cover; for these services there is no benefit payable (excluded services) or reduced benefit entitlement (restricted services). See below for further details.
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.
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.
In-hospital rehabilitation services
Rehabilitation of patients with neurological, muscular skeletal, orthopaedic and other medical conditions following stabilisation of their acute medical issues
Pregnancy and birth-related services
Obstetric related services
Assisted reproductive services
Includes services such as IVF.
Cardiac and cardiac related services
Major eye surgery
Includes cataract surgery and surgery for other major eye conditions. Does not include laser surgery to restore vision.
Treatment for kidney failure, e.g. chronic renal failure.
Hip and knee joint replacement surgery
Surgery that involves complete removal of the damaged joint and tissue to be replaced by an artificial prosthesis.
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 and wigs. A benefit limit of 85% of the cost up to $2,000 per person per Membership Year applies. Benefit replacement periods apply on certain mechanical aids. Sub-limits may apply to benefits for some aids or appliances.
Please note: A letter of referral from your doctor or practitioner may be needed to accompany a claim. Please contact us before purchasing an aid or appliance to check these requirements and what benefits may be payable.
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.
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.
Benefits up to $35 per day to a maximum of four days per person listed on the membership.
Most pharmaceuticals relating to your admission
Most pharmaceuticals (prescribed medications) relating to your surgery, procedure or hospital admission.