Hospital cover is for things like accommodation, theatre and doctors’ fees in hospital. We love keeping our hospital cover simple with five types of private hospital cover to best suit your needs. All our covers come with an exceptional level of ambulance cover.
Products
Basic Accident Hospital is an affordable option for those seeking essential cover in case of an accident.
Basic Plus Hospital is our affordable hospital cover that provides a handful of useful hospital services above and beyond the Basic minimum tier. This is the ultimate fit and healthy cover.
Bronze Plus Hospital is designed for the healthy and budget conscious, and is family friendly. It packs value into hospital insurance that includes ambulance cover and no excess for kids.
Silver Plus Essentials Hospital is ideal for those looking for an affordable yet comprehensive level of hospital cover.
Silver Plus Hospital is designed for those who want a top-level of cover without pregnancy cover. It gives you all the cover of Silver Hospital with the addition of joint replacements, kidney dialysis, cataracts, insulin pumps & pain management with device – many of the key services that are more useful as we age.
Starting your own family is an exciting time. Silver Plus Grow Hospital cover pays towards hospital pregnancy and birth services as a private patient for members who’ve served their 12-month waiting period.
Did you know about the Peoplecare combined Hospital and Extras cover discount? Get a 10% discount off any Peoplecare Extras cover when combined with any Peoplecare Hospital cover. Excludes Flex Essentials Extras and Flex Up Extras.
Australian Service Excellence Awards CSIA 2023 Highly Commended
* IPSOS 2023 survey results for open private health insurance funds.
Comparison
^Any restrictions or exclusions on your cover will apply here too. Please visit peoplecare.com.au for more information on restrictions or exclusions.
*Anything within the above table that is a pre-existing condition has a 12-month waiting period except for rehabilitation, hospital psychiatric services and palliative care which have a 2-month waiting period and ambulance which has a 1-day waiting period.
#This product is only available in combination with an extras product.
**To be eligible for accident cover:
(a) the Member must be covered under a Product which includes coverage for Accidents;
(b) the event causing the injury must have occurred after coverage commenced;
(c) the event causing the injury must have occurred in Australia;
(d) the subsequent injury/injuries must have been obtained by said Member;
(e) an accident declaration form must be completed by a registered medical practitioner (excluding anyone on the same Policy) and provided to Peoplecare.
Accident cover includes temporary hospital coverage for up to 90 days, or a timeframe otherwise agreed by Peoplecare, for services that may be restricted or excluded under hospital cover, so long as the hospital treatment is required for the injury/injuries sustained during the event.
Accident cover excludes:
(a) medical conditions including sudden illness;
(b) injuries caused by medical conditions;
(c) pregnancy, birth and IVF related services;
(d) accidents arising from or during surgical procedures;
(e) injuries arising from an accident where those injuries are compensable or otherwisecovered by a third party;
(f) aggravation of a pre-existing condition.
'Accident’ means: An unforeseen event, occurring by chance and caused by an external force or object, which causes involuntary bodily injury to a member, requiring medical treatment by a Registered Medical Practitioner or Emergency Department (excluding by anyone on the same Policy) within 48 hours of the event. Any further treatment required must be completed within 90 days of the event or timeframe otherwise agreed to by Peoplecare.
Ambulance cover included
One thing that Peoplecare includes as a bonus is 100% land, air and sea ambulance cover with no annual limits with every Peoplecare cover.*
A short trip in an ambulance can be costly. To view what you are covered for, read here.
*State-recognised ambulance providers only.
