Private Hospital Cover

Private Hospital Cover

You want a comprehensive private hospital cover that provides for the health needs of yourself and everyone in your family.

Private Hospital Cover gives you private and public hospital cover Australia-wide.

  • You can choose your level of excess - no excess, $250 excess or $500 excess
  • Cover 365 days per year
  • No exclusions
  • 100% national Ambulance Cover
Private Hospital Cover (Effective from 1 April 2013)
Our highest level of cover for all public and most private hospital services 365 days per year
Excess Options No excess
$250 excess
$500 excess
Public or Private Hospital
  • shared or private room
Same day hospital stays
Theatre fees
Intensive care
Pharmacy in hospital
Medical Gap
Obstetrics (pregnancy & birth-related services)
Voluntary sterilisation
Cardio-thoracic services (e.g. heart & chest)
Assisted reproductive services (e.g. IVF)
Psychiatric
Rehabilitation
Eye surgery
Joint replacements
Plastic and Reconstructive Surgery
Dialysis
Other Medicare Services
Cosmetic Surgery
Services not covered by Medicare
100% national Ambulance Cover
Excess
  • An excess is the amount you pay up front if you go to hospital.
  • You can choose an excess on your cover to save on your premium.The higher your excess, the less you pay in premiums.
  • No excess for kids under 21.
  • Public Hospital or Day Surgery: You only pay half the excess
  • The good news is, no matter how many times someone on your membership goes to hospital during a financial year, the most excess you’ll pay is:
What’s your excess? Maximum excess for the year
  Single Couple/Family
$250 excess $250 $500
$500 excess $500 $1,000
Key Features
  • We have agreements with around 21,000 doctors and 500 private hospitals across the country
  • We pay benefits for Medicare listed items while you’re in hospital.



 

How much does it cost?

Monthly premium
From 1 April 2013
Without Rebate		 Single Single Parent Family Couple / Family
No Excess $183.32 $274.98 $366.64
$250 Excess $164.36 $246.54 $328.73
$500 Excess $145.40 $218.11 $290.81

 

Monthly premium
From 1 April 2013
With 30% Rebate		 Single Single Parent Family Couple / Family
No Excess $128.32 $192.48 $256.64
$250 Excess $115.01 $172.54 $230.08
$500 Excess $101.75 $152.66 $203.56
Note: The Australian Government Rebate on Private Health Insurance is income tested and applies to all Peoplecare products. The premiums above are the full premium and the premium with a 30% rebate taken out (because this is the premium that applies to most people). Your rebate will be between 0% and 40% depending on your household income and the age of the oldest person on your membership. See here for more info and to work out your rebate tier. If you have a Lifetime Health Cover loading, your rates will also be different. See here for more info.

 

 

Full Product Info

Click on the links below to download a full description of your level of cover.

 

Other Important Info

There are some important things you need to know about your cover. Please click on the links below to read more.