To make it easier for consumers to understand their coverage and make product comparisons, all health insurers must now use the same standard set of clinical definitions and categories to communicate which treatments and services are covered.
To comply with the legislation of these clinical categories, some Territory Health Fund hospital products have undergone minor changes. Depending on your policy, this means that from 1 April 2019, benefits for some procedures or services that you were previously covered for may now only be partially covered (Restricted Benefits*), or in some cases excluded. On a positive note, you may now receive full benefit entitlements for other services that previously had Restricted Benefit entitlements.
You may like to visit the Australian Government - Department of Health website to learn more. You can also read through their information and guidelines on the clinical categories and how this change will impact across all health funds here.
In the following section you can view the changes specific to your policy and find out how you will be affected by these new clinical category classifications.
 |
Indicates the clinical category is a minimum requirement of the product tier and is covered in full. |
 |
Indicates the clinical category is a minimum requirement of the product tier covered on a restricted basis. |
|
Indicates the clinical category is not a minimum requirement of the product tier, these are additional clinical categories to the minimum requirements and are covered in full. |
|
Indicates the clinical category is covered on a not a minimum requirement of the product tier and offered on a restricted basis. |
 |
Indicates the clinical category is not covered under this product (excluded service). |
| Closed product |
In the below tables we refer to products that are no longer available for purchase by new Members of Territory Health Fund. These products are referred to as closed products. Members covered by any of our closed products can be assured that we will regularly review the benefits paid under these products to ensure the benefits paid are aligned with the cost of treatment for the services covered. A policy holder will still retain their cover under a closed product as long as they held this closed product cover prior to Territory Health Fund making this product no longer available for purchase. |
Click the '+' to read more about each category
Rehabilitation
Definition:
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Hospital psychiatric services
Definition:
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
For example: psychosis such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Palliative care
Definition:
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Brain and nervous system
Definition:
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease. Treatment of spinal column (back bone) conditions is listed separately under 'Back, neck and spine'.
Chemotherapy and radiotherapy for cancer is listed separately under 'Chemotherapy, radiotherapy and immunotherapy for cancer'.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Eye (not cataracts)
Definition:
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.
For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye. Cataract procedures are listed separately under Cataracts.
Eyelid procedures are listed separately under Plastic and reconstructive surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Ear, nose and throat
Definition:
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.
Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.
The implantation of a hearing device is listed separately under Implantation of hearing devices. Orthopaedic neck conditions are listed separately under Back, neck and spine.
Sleep studies are listed separately under Sleep studies.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Tonsils, adenoids and grommets
Definition:
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Bone, joint and muscle
Definition:
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.
Chest surgery is listed separately under Lung and chest.
Spinal cord conditions are listed separately under Brain and nervous system. Spinal column conditions are listed separately under Back, neck and spine.
Joint reconstructions are listed separately under Joint reconstructions. Joint replacements are listed separately under Joint replacements.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Joint reconstruction
Definition:
Hospital treatment for surgery for joint reconstructions.
For example: torn tendons, rotator cuff tears and damaged ligaments.
Joint replacements are listed separately under Joint replacements.
Bone fractures are listed separately under Bone, joint and muscle.
Procedures to the spinal column are listed separately under Back, neck and spine.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Kidney and bladder
Definition:
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
For example: kidney stones, adrenal gland tumour and incontinence.
Dialysis is listed separately under Dialysis for chronic kidney failure.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Male reproductive system
Definition:
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
For example: male sterilisation, circumcision and prostate cancer.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Digestive system
Definition:
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.
Endoscopy is listed separately under Gastrointestinal endoscopy.
Hernia and appendicectomy procedures are listed separately under Hernia and appendix.
Bariatric surgery is listed separately under Weight loss surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Hernia and appendix
Definition:
Hospital treatment for the investigation and treatment of a hernia or appendicitis.
Digestive conditions are listed separately under Digestive system.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Gastrointestinal endoscopy
Definition:
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).
Non-endoscopic procedures for the digestive system are listed separately under Digestive system.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Gynaecology
Definition:
Hospital treatment for the investigation and treatment of the female reproductive system.
For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.
Fertility treatments are listed separately under Assisted reproductive services.
Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.
Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Miscarriage and termination of pregnancy
Definition:
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Chemotherapy, radiotherapy and immunotherapy for cancer
Definition:
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
Surgical treatment of cancer is listed separately under each body system.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Pain management
Definition:
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.
Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Skin
Definition:
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.
The removal of foreign bodies is also included.
Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.
For example: melanoma, minor wound repair and abscesses.
Removal of excess skin due to weight loss is listed separately under Weight loss surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Breast surgery (medically necessary)
Definition:
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.
This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Diabetes management (excluding insulin pumps)
Definition:
Hospital treatment for the investigation and management of diabetes.
For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.
Treatment for diabetes-related conditions is listed separately under each body system affected.
For example, treatment for diabetes-related eye conditions is listed separately under Eye.
Treatment for ulcers is listed separately under Skin. Provision and replacement of insulin pumps is listed separately under Insulin pumps.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Heart and vascular system
Definition:
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Lung and chest
Definition:
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Blood
Definition:
Hospital treatment for the investigation and treatment of blood and blood-related conditions.
For example: blood clotting disorders and bone marrow transplants.
Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Back, neck and spine
Definition:
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
For example: sciatica, prolapsed or herniated disc, spinal disc replacement and spine curvature disorders such as scoliosis, kyphosis and lordosis.
Joint replacements are listed separately under Joint replacements.
Joint fusions are listed separately under Bone, joint and muscle.
Spinal cord conditions are listed separately under Brain and nervous system. Management of back pain is listed separately under Pain management.
Pain management that requires a device is listed separately under Pain management with device.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Plastic reconstructive surgery (medically necessary)
Definition:
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.
For example: burns requiring a graft, cleft palate, club foot and angioma.
Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Dental surgery
Definition:
Hospital treatment for surgery to the teeth and gums.
For example: surgery to remove wisdom teeth, and dental implant surgery.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Podiatric surgery (provided by a registered podiatric surgeon)
Definition:
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:
- accommodation; and
- the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Implantation of hearing devices
Definition:
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
Stapedectomy is listed separately under Ear, nose and throat.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Cataracts
Definition:
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Joint replacements
Definition:
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint.
Joint fusions are listed separately under Bone, joint and muscle.
Spinal fusions are listed separately under Back, neck and spine.
Joint reconstructions are listed separately under Joint reconstructions.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Dialysis for chronic kidney failure
Definition:
Hospital treatment for dialysis treatment for chronic kidney failure. For example: peritoneal dialysis and haemodialysis.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Pregnancy and birth
Definition:
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.
Treatment for the baby is covered under the clinical category relevant to their condition.
For example, respiratory conditions are covered under Lung and chest.
Female reproductive conditions are listed separately under Gynaecology. Fertility treatments are listed separately under Assisted reproductive services.
Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Assisted reproductive services
Definition:
Hospital treatment for fertility treatments or procedures.
For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).
Treatment of the female reproductive system is listed separately under Gynaecology.
Pregnancy and birth-related services are listed separately under Pregnancy and birth.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Weighted loss surgery
Definition:
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
For example: gastric banding, gastric bypass, sleeve gastrectomy.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Insulin pumps
Definition:
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Pain management with device
Definition:
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).
Treatment of pain that does not require a device is listed separately under Pain management.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
|
|
|
* Better Hospital previously known as Value Plus hospital cover.
Sleep studies
Definition:
Hospital treatment for the investigation of sleep patterns and anomalies.
For example: sleep apnoea and snoring.
| Cover |
Top Hospital (closed) |
Intermediate Hospital (closed) |
Better Hospital* (available for purchase) |
Vital Hospital (available for purchase) |
| Product tier | Gold | Basic+ | Silver+ | Bronze+ |
| Level of excess | Nil/$250/$500 | $250/$500 | $250/$500 | $250/$500/$750 |
| Are you covered? | |
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* Better Hospital previously known as Value Plus hospital cover.