Hospital cover - what's covered
- Public or private hospital bed - shared or a private room (if available)
- Same-day surgery
- Theatre fees
- Special unit accommodation
- In-hospital psychiatric treatment
- In-hospital rehabilitation treatment
- In-hospital pharmacy
- Surgical medical devices and human tissue products, up to the benefit listed on the Government Medical Devices and Human Tissue Products List (a medical device and human tissue product is an artificial substitute for a body part)
- Ambulance services Australia wide
- Hospital substitution options
- Health programs
Hospital cover - what's not covered
There are a few things that aren't covered by your hospital cover. They include treatments & services that
- are received within your waiting periods
- Medicare doesn't cover
- are received outside Australia
- are covered by a compensation or another type of insurance (like third party or sports club insurance)
- were received more than 2 years ago
- Outpatient treatment & services
and:
- Some high cost (non PBS/TGA approved) drugs
- Pharmacy - most pharmacy items that you're given while you're in hospital are covered by your hospital bill. The hospital may charge you extra for pharmacy items that you take home with you and this isn't covered by your hospital cover.
- Medical devices and human tissue products that aren't listed on the Government Medical Devices and Human Tissue Products List. (A medical device and human tissue product is an artificial substitute for a body part.)
- Ambulance subscriptions or state-based levies
- Ambulance services paid for by the Government, compensation or another type of insurance
- Ambulance services that aren't medically necessary
- Some medical devices and consumables
- Experimental treatments
- Incidental fees such as Foxtel & newspapers