Basic Hospital Cover
Provides cover for private treatment in a public hospital which means:
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100% cover for a shared room of a public hospital
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100% cover for No-Gap Prosthesis List Items
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Choice of your own doctor or specialist
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Limited benefits in a private hospital*
Plus...
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Access Gap Cover to help reduce or eliminate out-of-pocket inpatient medical service costs
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Access to the Federal Government Rebate
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Exemption from Lifetime Health Cover penalties if joining before age 31
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Exemption from the Medicare Levy Surcharge
Basic Hospital Cover is designed for treatment in a public hospital and therefore is not recommended for treatment in a private hospital unless you can pay most of the cost yourself.
Theatre fees are not covered under Basic Hospital.
Download the Product Guide
We encourage our members to contact us prior to hospitalisation to obtain accurate information about what benefits are payable according to this level of cover, and what, if any, waiting periods apply.
Use our Doctor Search to view which Doctors commonly participate in the Access Gap Cover scheme.
*Up to the basic level set by the Department of Health. You may have to pay a significant gap charged above this set basic level for accommodation if you are admitted in a private hospital.