Health insurance A-Z

Clinical categories

Here we list all 38 clinical hospital categories and what types of services they include. RBHS’s Gold Hospital cover includes all of the services listed below. Just be aware that normal waiting periods apply.

Extras services

Extras covers aren’t yet standardised from health fund to health fund – that’s why we’ve created a more detailed listing so that you’re sure about all RBHS’s Extras services.


Waiting periods & pre-existing conditions (PEC)

Waiting periods for Hospital and Extras covers and pre-existing conditions rule for Hospital covers are explained here.

Why have private health insurance?

There are plenty of reasons that we believe private hospital cover is important, but we’ve narrowed it down to the top eight.

Tax and hospital cover

Hospital cover can be used in your tax return to avoid paying the Medicare Levy Surcharge. Your hospital cover information automatically populates on your tax return, so you do not need to do a thing. We explain all you need to know on this page.

How to read your PHIS

The Private Health Information Statement (PHIS) is a summary of the key features of your cover in the government’s standard format.


We explain all the key terms and give examples of how health cover works.