per week


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

Apply now

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

Everything you're covered
Toggle Item

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.

Toggle Item

Private hospital accommodation

Accommodation in a private hospital for surgeries and procedures.

Toggle Item

Theatre fees

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

Toggle Item

Surgically implanted prostheses

Benefits for surgically implanted artificial hips and knees etc.

Toggle Item

Intensive care

For time required to be spent in intensive care.

Toggle Item

Tonsil and adenoids removal

Hospital admission for removal of tonsils and/or adenoids.

Toggle Item


Cover for colonoscopies

Toggle Item

Grommets in ears

For treatment of conditions affecting the middle ear.

Toggle Item

Gynaecological services

Cover for gynaecological treatments in hospital.

Toggle Item

Hernia repair

Treatment for hernias provided in hospital.

Toggle Item

Joint reconstructions

Reconstructive surgeries for shoulders, knees, etc.

Toggle Item

Back surgery

Including herniated discs and vertebral fusion surgeries.

Toggle Item

Brain surgery

Including biopsies and craniotomy.

Toggle Item

In-hospital rehabilitation services

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

Toggle Item

Assisted reproductive services

Includes services such as IVF.

Toggle Item

Heart surgeries

Cardiac and cardiac related services

Toggle Item

Major eye surgery

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

Toggle Item

Renal dialysis

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

Toggle Item

Hip and knee joint replacement surgery

Surgery that involves complete removal of the damaged joint and tissue to be replaced by an artificial prosthesis.

Toggle Item

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.

Toggle Item

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.

Toggle Item

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.

Toggle Item

Hospital boarder

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

Toggle Item

Most pharmaceuticals relating to your admission

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