Top Hospital

This is what are you covered for:

Do you want to compare Hospital Cover?

Choose from our Hospital health insurance products and compare their features side by side.

We pay out on thousands of procedures, too many to mention here. As a member if there is a specific benefit you are looking for, find out the item number from your doctor or specialist and call us and we’ll let you know how much you should get back.

You won’t be alone

We’ll fully cover the charge for a hospital boarder, to make sure you have the support you need while you are in hospital, this includes meals and accommodation in your room. Some conditions apply.

Want to keep the same level of cover but lower your premium?

Take out an excess. Regardless of how many times you may need to stay in hospital, you’ll only pay the excess if you stay in hospital overnight and you’ll only pay it once per adult member, per calendar year, to a maximum of twice per family policy. We won’t charge you an excess for day procedures.

Your options are:

Please note: The excess is payable in addition to any accommodation and theatre co-payments that may apply. You won’t be required to pay an excess for any dependant children on your family policy. Waiting periods also apply when transferring to a product that may have higher benefits, or when moving from a level of cover with an excess to a level of cover without an excess. You don’t need to pay the excess for any day procedures, which are very common which is unlike many other health funds.

We don’t charge an excess for the children on your policy

You can minimise out-of-pocket costs with GapSaver. Put a little money aside now and you can use it on out-of-pocket costs for things like Medical gaps (for your specialist) and hospital excesses. If you have Essentials cover, it also covers costs for in-hospital and out-of-hospital Essentials services (like physiotherapy or occupational therapy).  Simply select when you purchase Top Hospital Cover.

A few points to note:

Find out more about your policy details. 

*A single Top Hospital policy costs $1,350.70pa based on WA rates, which is the equivalent of $26.00 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.

#A single Top Hospital policy with $200 excess costs $1,221.35pa based on WA rates, which is the equivalent of $23.50 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.

***A couple/family Top Hospital policy costs $2,701.45pa based on WA rates, which is the equivalent of $51.95 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.

^A couple/family Top Hospital policy with $200/$400 excess costs $2,442.70pa based on WA rates, which is the equivalent of $47.00 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.

**A single Top Hospital policy with $500 excess costs $1,028.15pa based on WA rates, which is the equivalent of $19.80 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.

^^A couple/family Top Hospital policy with $500/$1000 excess costs $2,056.30pa based on WA rates, which is the equivalent of $39.55 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.