Using your hospital cover

Find a specialist

To reduce your out-of-pocket costs, we have agreements with more than 36,000 doctors across Australia. This is called Access Gap. Search here to see if your doctor has taken part in our Access Gap in the past. Remember, it is the personal choice of the doctor whether they participate in Access Gap and they can decide on a case-by-case basis.

Find a hospital

We have got agreements with most private hospitals in Australia. Find your nearest one with our hospital search. 

If you cannot find the hospital you are after, call us. 

Access gap

Access Gap is a scheme to reduce your out-of-pocket doctor expenses. First you need to ask your doctor if they participate. If they do, we pay them more than the Medicare Benefit Schedule fee – resulting in lower or no out-of-pocket expenses for you. 

Going to hospital guide

We have put together some quick tips for your hospital stay so that you can avoid painful mistakes.