Gold Hospital Elevate

Also known as hospital cover, hospital insurance helps cover costs when you're admitted to hospital. It covers things like your doctors' fees, accommodation and theatre fees.

Learn more about hospital cover

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.

HBF has a range of hospital cover products to suit all budgets. Private Health Insurance with hospital cover helps cover the cost of 'inpatient' services — these are treatments you receive when you're admitted to hospital for care (e.g. for surgery). The price of each product is based on the level of restrictions and exclusions on these eservices.

Compare all cover options

Yes. With HBF, you can purchase hospital cover on its own. Hospital insurance helps cover some of the costs when you're admitted to hospital. It can help cover some of the costs for things like doctors' fees, accommodation and theatre fees.