Gold Hospital Elevate

Gold Hospital Elevate is HBF’s highest level of hospital cover, providing cover across all hospital treatment categories.. Benefits include cover for a private room^* at a Member Plus hospital (subject to availability), travel and accommodation benefits^* for eligible hospital admissions, unlimited urgent road ambulance cover^*, and no excess for kids^* on single parent and family policies. It provides peace of mind for life’s planned and unexpected hospital needs.

Gold Hospital Elevate is HBF’s highest level of hospital cover. Unlike Silver Hospital Plus, it includes all hospital treatment categories, with no restricted or excluded services. This means it includes cover for Pregnancy and birth, Assisted reproductive services, Weight loss surgery, and removes restrictions on Hospital psychiatric services, Rehabilitation and Palliative care. Gold Hospital Elevate also includes travel and accommodation benefits^* for eligible hospital admissions, which Silver Hospital Plus does not.

Also known as hospital cover, hospital insurance helps contribute towards costs if you’re admitted to hospital (such as doctors’ fees and accommodation and theatre fees).

When you buy hospital insurance for the first time or after not having it for a long time, or you upgrade to include a new service, there will generally be a waiting period you need to serve before you can claim.

At HBF, waiting periods for hospital insurance are as follows

• 12 months for pre-existing conditions ^* and Pregnancy and birth
• Two months for other in-hospital treatments
• Seven days for Urgent ambulance (by road)
• From the day after you join for Accident Cover^*

An excess is a sum of money you pay upfront before you receive hospital treatment. Generally, the higher your excess, the lower your premium.

An excess is paid once per member, per calendar year (to a maximum of twice per couple or family policy) no matter how many times you may be hospitalised. Excess applies for day and overnight admissions.

You won’t be required to pay an excess for any dependant children on your single parent or family policy^*.

Where your treatment is an included service on your hospital cover, your hospital costs will either be fully or partially covered depending on the type of agreement your health fund has with your specialists and hospital.

With HBF, when you’re admitted to hospital for treatment you will get 100% back for the cost of your hospital accommodation and specialists so long as you choose providers that have ‘no-gap’ (otherwise known as ‘fully covered’) agreements with HBF. Just be aware of out-of-pocket costs, which can include excess or co-payments. Please note, outpatient services are not covered under hospital insurance.

Before you book hospital treatments, contact us and we’ll help you understand what you can claim, how much you can claim, and if any excess, co-payments or waiting periods apply. To ensure we give you accurate advice, please have a written cost estimate from your provider on-hand.

Hospital insurance helps cover the cost of 'inpatient' services — these are treatments you receive when you're admitted to hospital for care (e.g. for surgery). Hospital insurance helps cover your medical specialists' fees, as well as accommodation, approved prostheses and theatre fees.

The specific hospital treatments and services you're covered for (e.g. chemotherapy, a colonoscopy, tonsil removal, knee reconstructions etc.) depend on the level of hospital cover you choose.

Learn more about hospital insurance here.