HIF Hospital Cover at a glance:
- Your choice of doctor.
- Your choice of a private or shared room (if you have shared room cover you can still choose a private room by making a co-payment).
- Accommodation and theatre room fees for all items specified as covered in your particualr HIF policy.
- Medical payments for in-patient services through the HIF AccessGap cover.
Key Benefits and Cover Type Comparison
Restrictions and Exclusions Summary
|
None |
Cosmetic services *
Services not covered by Medicare |
|
None |
Cosmetic services *
Services not covered by Medicare |
|
Psychiatric
Cardio-thoracic surgery or monitoring **
Eye Surgery
Joint Replacement
Assisted Reproductive Technology |
Cosmetic services *
Services not covered by Medicare |
|
Psychiatric
Palliative Care
Rehabilitation |
Cosmetic services *
Services not covered by Medicare
Cardio-thoracic surgery or monitoring **
Eye Surgery
Joint Replacement
Assisted Reproductive Technology
Obstetrics (Maternity) |
A restricted service means a basic public hospital rate will be paid for accommodation and all other charges raised during the stay and out-of-pocket expenses will be paid by the member. An excluded service means all charges raised during the stay will be paid by the member.
* Where a service is deemed by Medicare to be cosmetic and / or does not attract a Medicare rebate, all charges raised in association with the hospital stay will not be eligible for payment.
** Some examples of cardio-thoracic surgery or monitoring are: heart bypass, angiogram, coronary care, lung surgery.
Contact HIF prior to admission to confirm benefits payable.