Hospital cover helps pay for your treatment as a private patient in an Australian hospital, for treatments listed as included cover on your policy.
With this kind of health insurance, you can:
- skip public waiting lists for procedures,
- stay in a private hospital, in a private room, and
- receive treatment from a doctor or specialist you choose.
Depending on the treatment you require, you may need to sit through waiting periods before you can begin claiming, unless you’ve sat through them before. Waiting periods differ depending on the treatment you need.
What’s covered under your hospital insurance policy?
It depends on your level of cover. Let’s take a look.
- Basic hospital cover. Enjoy admittance to private hospitals, and avoid public waiting lists!
- Medium hospital cover. You get all the benefits of basic cover, with added policy features.
- Top level hospital cover. This covers any service Medicare pays a benefit to.
What’s covered under ‘private hospital treatment’?
You should know that something as simple as ‘private hospital treatment’ actually covers more than 5,000 different treatments! Think appendectomies, ear nose and throat procedures, splinting up broken bones, chemotherapy, treatment for viruses, and much more. Basic treatment is covered, even if certain others (listed in the above table) are limited or excluded – depending on your level of cover, your insurer, and your policy.
What isn’t covered under this kind of policy?
It’s simple really: your hospital cover generally doesn’t include treatment that occurs outside a hospital. For example, it will not cover things like,
- dental checkups,
- physiotherapy sessions,
- chiropractic work, or
The above treatments are subsidised by extras policies, which are sometimes called an ancillary policy.