HIF Hospital Cover Comparison Table

Key:
  • Included
  • Restricted
  • Not Included

Who do you need cover for?

  • Just me
  • Both of us
  • Myself & my kids
  • Our Family
 
Basic Plus
Bronze
Bronze Plus
Silver
Silver Plus
Gold Star
  • Basic Plus
  • Bronze
  • Bronze Plus
  • Silver
  • Silver Plus
  • Gold Star
 
Basic Plus
$1.79*
$3.57*
Factsheet
Bronze
$2.20*
$4.40*
Factsheet
Bronze Plus
$2.26*
$4.52*
Factsheet
Silver
$2.76*
$5.53*
Factsheet
Silver Plus
$3.86*
$7.72*
Factsheet
Gold Star
$4.29*
$8.57*
Factsheet
Hospital Accommodation
Public hospital - shared room (all admissions)
This provides cover for the cost of a private or shared room (whichever is available) in a public hospital anywhere in Australia.
IncludedIncludedIncludedIncludedIncludedIncluded
Private hospital - shared room (all admissions)
This provides cover for the cost of a shared room in an HIF-contracted private hospital anywhere in Australia.
IncludedIncludedIncludedIncludedIncludedIncluded
Private hospital - private room (maternity admissions only)
Unlimited private room cover for the management of labour and delivery of a child in an HIF-contracted private hospital anywhere in Australia.
Not IncludedNot IncludedNot IncludedNot IncludedIncludedIncluded
Private hospital - private room (all admissions)
This provides cover for the cost of a private room in an HIF-contracted private hospital anywhere in Australia.
IncludedNot IncludedNot IncludedNot IncludedNot IncludedIncluded
Clinical Categories
Rehabilitation
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.
RestrictedRestrictedRestrictedRestrictedIncludedIncluded
Hospital psychiatric services
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.
RestrictedRestrictedRestrictedRestrictedRestrictedIncluded
Palliative care
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
RestrictedRestrictedRestrictedRestrictedIncludedIncluded
Brain and nervous system
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.

Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Eye (not cataracts)
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.

For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.

Cataract procedures are listed separately under Cataracts.

Eyelid procedures are listed separately under Plastic and reconstructive surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Ear, nose and throat
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.

The implantation of a hearing device is listed separately under Implantation of hearing devices.

Orthopaedic neck conditions are listed separately under Back, neck and spine.

Sleep studies are listed separately under Sleep studies

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Tonsils, adenoids and grommets
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
IncludedIncludedIncludedIncludedIncludedIncluded
Bone, joint and muscle
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.

Chest surgery is listed separately under Lung and chest.

Spinal cord conditions are listed separately under Brain and nervous system.

Spinal column conditions are listed separately under Back, neck and spine.

Joint reconstructions are listed separately under Joint reconstructions.

Joint replacements are listed separately under Joint replacements.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Joint reconstructions
Hospital treatment for surgery for joint reconstructions.

For example: torn tendons, rotator cuff tears and damaged ligaments.

Joint replacements are listed separately under Joint replacements.

Bone fractures are listed separately under Bone, joint and muscle.

Procedures to the spinal column are listed separately under Back, neck and spine.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
IncludedIncludedIncludedIncludedIncludedIncluded
Kidney and bladder
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

For example: kidney stones, adrenal gland tumour and incontinence.

Dialysis is listed separately under Dialysis for chronic kidney failure.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Male reproductive system
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

For example: male sterilisation, circumcision and prostate cancer.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
IncludedIncludedIncludedIncludedIncludedIncluded
Digestive system
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

Endoscopy is listed separately under Gastrointestinal endoscopy.

Hernia and appendicectomy procedures are listed separately under Hernia and appendix.

Bariatric surgery is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Hernia and appendix
Hospital treatment for the investigation and treatment of a hernia or appendicitis.

Digestive conditions are listed separately under Digestive system.
IncludedIncludedIncludedIncludedIncludedIncluded
Gastrointestinal endoscopy
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).

Non-endoscopic procedures for the digestive system are listed separately under Digestive system.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Gynaecology
Hospital treatment for the investigation and treatment of the female reproductive system.

For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

Fertility treatments are listed separately under Assisted reproductive services.

Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.

Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Miscarriage and termination of pregnancy
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Chemotherapy, radiotherapy and immunotherapy for cancer
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Pain management
Hospital treatment for pain management that does not require the insertion or surgical management of a device.

For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.

Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Skin
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.

For example: melanoma, minor wound repair and abscesses.

Removal of excess skin due to weight loss is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Breast surgery (medically necessary)
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Diabetes management (excluding insulin pumps)
Hospital treatment for the investigation and management of diabetes.

For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.

Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.

Treatment for ulcers is listed separately under Skin.

Provision and replacement of insulin pumps is listed separately under Insulin pumps.
Not IncludedIncludedIncludedIncludedIncludedIncluded
Heart and vascular system
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedNot IncludedNot IncludedIncludedIncludedIncluded
Lung and chest
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedNot IncludedIncludedIncludedIncludedIncluded
Blood
Hospital treatment for the investigation and treatment of blood and blood-related conditions.

For example: blood clotting disorders and bone marrow transplants.

Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedNot IncludedIncludedIncludedIncludedIncluded
Back, neck and spine
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.

Joint replacements are listed separately under Joint replacements.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal cord conditions are listed separately under Brain and nervous system.

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedNot IncludedNot IncludedIncludedIncludedIncluded
Plastic and reconstructive surgery (medically necessary)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident or congenital.

For example: burns requiring a graft, cleft palate, club foot and angioma.

Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Not IncludedNot IncludedNot IncludedIncludedIncludedIncluded
Dental surgery
Hospital treatment for surgery to the teeth and gums.

For example: surgery to remove wisdom teeth, and dental implant surgery.
Not IncludedNot IncludedIncludedIncludedIncludedIncluded
Podiatric surgery
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:
  • accommodation; and
  • the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.
Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so.
Not IncludedNot IncludedIncludedIncludedIncludedIncluded
Implantation of hearing devices
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Stapedectomy is listed separately under Ear, nose and throat.
Not IncludedNot IncludedIncludedIncludedIncludedIncluded
Cataracts
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Not IncludedNot IncludedNot IncludedNot IncludedIncludedIncluded
Joint replacements
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal fusions are listed separately under Back, neck and spine

Joint reconstructions are listed separately under Joint reconstructions.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Not IncludedNot IncludedNot IncludedNot IncludedIncludedIncluded
Dialysis for chronic kidney failure
Hospital treatment for dialysis treatment for chronic kidney failure.

For example: peritoneal dialysis and haemodialysis.
Not IncludedNot IncludedNot IncludedNot IncludedNot IncludedIncluded
Pregnancy and birth
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition.

For example, respiratory conditions are covered under Lung and chest.

Female reproductive conditions are listed separately under Gynaecology.

Fertility treatments are listed separately under Assisted reproductive services.

Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Not IncludedNot IncludedNot IncludedNot IncludedNot IncludedIncluded
Assisted reproductive services
Hospital treatment for fertility treatments or procedures.

For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).

Treatment of the female reproductive system is listed separately under Gynaecology.

Pregnancy and birth-related services are listed separately under Pregnancy and birth.
Not IncludedNot IncludedNot IncludedNot IncludedNot IncludedIncluded
Weight loss surgery
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

For example: gastric banding, gastric bypass, sleeve gastrectomy.
Not IncludedNot IncludedNot IncludedNot IncludedNot IncludedIncluded
Insulin pumps
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
Not IncludedNot IncludedNot IncludedNot IncludedNot IncludedIncluded
Pain management with device
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).

Treatment of pain that does not require a device is listed separately under Pain management.
Not IncludedNot IncludedNot IncludedNot IncludedIncludedIncluded
Sleep studies
Hospital treatment for the investigation of sleep patterns and anomalies.

For example: sleep apnoea and snoring.
Not IncludedNot IncludedNot IncludedNot IncludedIncludedIncluded
Other Features
Choice of hospital excess
On all Hospital covers, Members can select from a range of excess options to reduce their premium. Please see the table further down this page for a full comparison, or refer to the individual product factsheets for more details on the excesses that apply.
Not includedNot includedNot includedNot includedIncludedIncluded
HIF Second Opinion 
HIF Second Opinion is a free service for HIF members with Silver Plus or Gold Star Hospital and/or Premium Options Extras cover. It gives you access to the Best Doctors' network of the world's leading medical specialists, enabling you to get a free second opinion on any diagnosis, condition or treatment. Plus, eligible HIF members get free access to the Best Doctors' online medical advice portal, giving you the opportunity to submit questions to a panel of experienced Australian GPs, access expert insights and use their online symptom checker.
Not includedNot includedNot includedNot includedIncludedIncluded
AccessGap Cover
Did you know... doctors can charge more than the Medicare Benefits Schedule (MBS)? And if they do, their patients will incur an out of pocket expense for the difference between the fee charged and the MBS. The good news is that HIF’s medical gap cover arrangement, AccessGap, is designed to minimise or eliminate these out of pocket expenses for inpatient medical services in a registered overnight hospital or day facility.
IncludedIncludedIncludedIncludedIncludedIncluded

* Please note: The daily pricing above is based on a single policy in Western Australia (WA) which has the highest hospital excess applied and is paid by direct debit on an annual basis after deducting a 25.059% Federal Government Rebate and a 4% annual discount. This also excludes any Lifetime Health Cover (LHC) Loading that may apply. Depending on your current household income, the rebate you can claim may be reduced. This pricing is correct as of 1 April 2019. Prices may vary for other Australian states and territories.

Did you know...

HIF now covers a number of providers who allow you to access hospital services in the comfort of your own home. Depending on your level of cover, the in-home services you can access include chemotherapy, rehabilitation, complex wound management and chronic health disease management. For more information and to find out which providers are covered, get in touch on 1300 134 060 (Monday to Friday) or email hello@hif.com.au

What about hospital waiting periods?

Whether we’re answering your call, or helping you switch from another health fund, we don’t like to keep people waiting. But unfortunately waiting periods (the time you have to wait before you can claim for treatment) are a universal necessity. All health funds have them. We wouldn't be able to offer our affordable premiums and generous rebates without them.

Waiting periods protect us and our members against people who simply join us, claim large amounts and then leave. We always try to keep waiting periods to an absolute minimum though. That’s why, if you join us from another health fund, we’ll take your previous membership into account so you don’t have to re-serve waiting periods on an equivalent level or higher level of cover.

For HIF Hospital Cover, the waiting periods are as follows:

  • 2 months: General hospitalisation
  • 2 months: Psychiatric care, rehabilitation & palliative care (regardless of whether it's pre-existing or not)
  • 12 months: All pregnancy related services
  • 12 months: Pre-existing conditions or ailments

Waiting period exemption for Psychiatric Care
New Members transferring from another health fund who previously had limited psychiatric cover, can now upgrade their policy without serving a two month waiting period for the higher or additional benefits. The waiting period exemption for psychiatric care benefits can only be accessed once in a lifetime, and is only available after a person has served their initial two month waiting period for any psychiatric treatment.

What is a pre-existing condition?

The pre-existing condition waiting period applies to new Members and Members upgrading their policy to any higher level benefits under the new policy.

A pre-existing condition is defined as: ‘Any ailment, illness, or condition where, in the opinion of a medical adviser appointed by the health insurer, the signs or symptoms of that illness, ailment or condition existed at any time in the period of six months ending on the day on which the person became insured under the policy.’

A pre-existing condition can be identified by the presence of signs or symptoms of the illness, ailment or condition (i.e. it’s not necessary for the member or their doctor to know what their condition is, or for it to be diagnosed).

In assessing whether a condition/illness is a pre-existing condition or not, an HIF-appointed medical practitioner will take into account information provided by your treating doctor. This rule applies whether the condition was known to the Member or not. 

Are ambulance services included on Hospital cover?

Ambulance cover is not included in any of our Hospital policies; however, under New South Wales and Australian Capital Territory legislation, we’re obliged to contribute toward the cost of operating state or territory-provided emergency ambulance services on behalf of anyone with HIF Hospital cover who is a permanent state or territory resident. In those circumstances, eligible Members with HIF Hospital cover simply need to advise the ambulance provider of their HIF cover and we’ll finalise the invoice directly with the relevant service provider. 

Ambulance services and state-funded ambulance transport differs across Australia. Here’s a quick guide to the various state/territory-based rules:

  • Queensland and Tasmania. Residents are covered for unlimited emergency services provided by their respective state governments. Interstate ambulance service charges for these residents may not apply if reciprocal agreements are in place with the other states where the ambulance service was required.
  • NSW and the ACT. Residents who hold HIF Hospital cover are covered for unlimited emergency ambulance services provided in their home state by their state government or territory ambulance service. Interstate emergency services may also be covered if there’s a reciprocal state agreement.
  • WA, SA, Victoria and the NT. In all other locations and circumstances, you can claim on your Extras cover for emergency and non-emergency ambulance services, subject to the service being provided by the recognised St John or state government-controlled ambulance organisation (the service being deemed as medically necessary by the attending ambulance officer).

When will I have to pay an excess?

If you choose Hospital Cover with an excess, an excess is only payable if you're admitted to hospital. It’s paid directly to the hospital at the time of admission and applied per-person per calendar year. Use the table below to see which excess rules apply to your cover.

Hospital coverSame-day admissionsOvernight admissionsDependants under 18Per-person excess options
Basic PlusN/A$500
$750
Bronze$200
$500
$750
Bronze Plus$200
$500
$750
Silver$500
$750
Silver Plus $200
$500
$750
Gold Starxx$0
$200
$500
$750

Commonly Asked Questions

Are accidents treated in a public or private hospital?

If you ever have an accident that requires urgent medical treatment, you’ll automatically be admitted to a public hospital Emergency Department for immediate treatment. On some occasions though (if the injury isn’t life threatening, for example), you may be asked if you’d like to be admitted and treated as a public or private patient. In those instances, it’s important to know your rights so here’s a quick rundown of the choices available to you:

 Public hospitalPrivate hospital
 Public patientPrivate patientPrivate patient
How quickly will I be treated?

Elective
Straight away (provided you've served your waiting periods).

Emergency
You'll receive immediate treatment for urgent or life threatening conditions. 

Elective
As soon as a spot becomes available (provided you've served your waiting periods).

Emergency
You'll receive immediate treatment for urgent or life threatening conditions.

Elective
You'll go on a waiting list and you could be waiting for weeks (even months, and over a year in some cases).

Emergency
You'll receive immediate treatment for urgent or life threatening conditions. 

Do I get to choose my own doctor?Yes, unless it's an emergency and your chosen doctor isn't available. Yes, providing your chosen doctor is eligible to work in that public hospital and it's not an emergency.  No, you'll be treated by whichever doctor is appointed by the hospital. 
Do I get to choose which hospital I go to?Yes, providing your chosen hospital can accommodate you and the required facilities are available. Yes, providing your chosen hospital can accommodate you and the required facilities are available. No, you'll be treated by whichever doctor is appointed by the hospital. 
Can I get a private room?Yes, if one is available. (Out-of-pocket expenses may apply if you don't have the right level of HIF Hospital cover). Yes, if one is available. Other patients may have priority depending on their medical needs. Possibly, but only if available and generally only if it's medically necessary. 
Do I have to pay for my hospital accommodation? No, the only expenses you'll need to cover are your hospital excess (if applicable) and an accommodation co-payment if you're in a private room and you are not covered for that. You may need to cover your hospital excess (if applicable) and your personal expenses such as TV hire (this might be negotiable with the hospital). No, but you may have to pay for personal expenses such as TV hire, telephone calls or meals for an overnight boarder (e.g. your partner or parent). 

How does admission differ for public and private patients in a public hospital?

Upon arriving at a public hospital, the staff will explain the admission process to you and ask if you’d like to be admitted as a public or private patient.

If you choose to be treated as a public patient, you will be asked to complete an admission form and provide your Medicare details. All expenses will be covered by Medicare so the admission shouldn't cost you anything.

Alternatively, you can choose to be treated as a private patient, in which case you’ll need to sign an election form that details all the associated costs.

If you do choose to be admitted as a private patient in a public hospital, it’s important to note that some out-of-pocket expenses may apply - expenses that would otherwise have been fully covered under Medicare, such as hospital excess payments (if applicable on your policy), plus any gaps that your doctor may charge for your treatment. So in some circumstances, it may be more financially advantageous to be admitted as a public patient. Just keep in mind that although you’ll lose your ability to choose your doctor and request a private room.

Essentially, your decision should be based on what’s in your best interests. Your private hospital insurance will give you more choices in terms of doctors and accommodation, but if you’re happy using the public system then you shouldn’t feel pressured to provide your Hospital Cover details.


Will my private hospital insurance cover the ambulance fees?

Our Hospital Cover options don’t include ambulance benefits but our popular range of Extras Cover options do, so we always recommend adding Extras to any Hospital policy.

On our basic Vital Options policy you’ll be covered for 50% of the ambulance fee up to an annual limit of $800pp. On all other HIF Extras options, you’ll be covered for 100% of the fee with no annual limit. That means you can claim on as many ambulance trips as you need each year (although we hope you’ll never need any!).

If you’re wondering if Extras Cover is worth having though, just remember that ambulance transport often costs over $900 per trip. In comparison, you can get HIF Extras with full ambulance coverage from a tiny $260.20 per year*, and that covers a host of other services too including dental, optical, physio and chiro.

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