Time to get your own cover?

Time to get your own cover?



This is it. You’re ultimate adulting and getting your own health cover. Here’s everything you need to know:

What’s the point?

Public hospitals are free, so why would you pay to go to a private hospital? For one thing, waiting. A lot of people use the public system, so you can be waiting months (or more) to get the treatment you need.

With private cover, you can choose your doctor and get your treatment as soon as you need it. Not only that, but odds are you’ll have a room all to yourself.

More reasons we think it’s worth it.

How does it work?

There are two parts to private health cover – hospital and extras cover.

  • Hospital cover
    1. Cover for things like accommodation, theatre and doctors’ fees in hospital.
  • Extras cover
    1. Cover for everyday things like glasses or the dentist.

Our covers


We’ve got 3 levels of hospital cover, and they’re as simple as they sound.

Basic Hospital
(with a $500 excess)

Mid Hospital
(with a $500 excess)

Premium Hospital
(with your choice of no, $250 or $500 excess)

Cover for some things and not others

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Cover for most things, but with some restrictions

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Top cover

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We’ve got 4 levels of extras cover:

Basic Extras

Mid Extras

High Extras

Premium Extras

Cover for the basics (like general dental and optical)

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Cover for the basics plus a few other things

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Cover for pretty much everything

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Cover for pretty much everything with our highest limits

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You can mix & match all of our hospital and extras covers to find your perfect fit.

Ambulance cover

“At least get ambulance cover!”

– every parent ever

Lucky for you (and them), full ambulance cover is included with all of our levels of cover.

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Make it cheaper

Get the Government Rebate

Depending on your income, the Government offers a rebate to help with the cost of private health cover.

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Get an excess

The higher your excess, the less you pay in premiums. Simple as that.

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Boring but important stuff

Waiting periods

Good news! If you take out your own cover within 60 days of coming off your parents’ cover, you’ll be able to claim straight away for the things you were already covered for with them (as long as they’ve served their waits, of course). The only thing you can’t do is claim for services you have in the days between coming off your parents’ cover and taking out your own (if you didn’t get cover straight away).

If you one-up your parents and take out a higher level of cover, you’ll have some waiting periods.

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Other stuff

There are a few other things you should know about before you take out cover. They are:

Before you make up your mind

This is just a quick overview of our covers and what private health cover is all about. Before you choose your cover, you should really check out our full brochure or cover descriptions. Otherwise, give us a buzz on 1800 808 700 and we’ll talk you through it.

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