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Hospital treatment for fertility treatments or procedures.

For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).

Not in this category:

• Treatment of the female reproductive system is listed separately under Gynaecology.
• Pregnancy and birth-related services are listed separately under Pregnancy and birth.

Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

For example: sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders such as scoliosis, kyphosis and lordosis.

Not in this category:

• Joint replacements are listed separately under Joint replacements.
• Joint fusions are listed separately under Bone, joint and muscle.
• Spinal cord conditions are listed separately under Brain and nervous system.
• Management of back pain is listed separately under Pain management.
• Pain management that requires a device is listed separately under Pain management with device.
• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.

Not in this category:

• Chest surgery is listed separately under Lung and chest.
• Spinal cord conditions are listed separately under Brain and nervous system.
• Spinal column conditions are listed separately under Back, neck and spine.
• Joint reconstructions are listed separately under Joint reconstructions.
• Joint replacements are listed separately under Joint replacements.
•  Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
• Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.
• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.

Not in this category:

• Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.
• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

Not in this category:

• This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.
• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for surgery to the teeth and gums. This covers hospital accommodation, theatre fees, anaesthetist fees and other medical fees.

For example: surgery to remove wisdom teeth, and dental implant surgery.

Hospital insurance does not provide benefits towards surgical fees from your treating dentist or oral surgeon. Benefits towards these fees may be claimable from extras cover.

Hospital treatment for dialysis treatment for chronic kidney failure.

For example: peritoneal dialysis and haemodialysis.

Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

Not in this category:

• Endoscopy is listed separately under Gastrointestinal endoscopy. Hernia and appendicectomy procedures are listed separately under Hernia and appendix.
• Bariatric surgery is listed separately under Weight loss surgery.
• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

Not in this category:

• Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.
• The implantation of a hearing device is listed separately under Implantation of hearing devices.
• Orthopaedic neck conditions are listed separately under Back, neck and spine.
• Sleep studies are listed separately under Sleep studies.
• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.

For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.

Not in this category:

• Cataract procedures are listed separately under Cataracts.
• Eyelid procedures are listed separately under Plastic and reconstructive surgery.
• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

Not in this category:

• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for surgery for joint reconstructions.

For example: torn tendons, rotator cuff tears and damaged ligaments.

Not in this category:

• Joint replacements are listed separately under Joint replacements.
• Bone fractures are listed separately under Bone, joint and muscle.
• Procedures to the spinal column are listed separately under Back, neck and spine.
• Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.

For example: burns requiring a graft, cleft palate, club foot and angioma.

Not in this category:

• Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.
• Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

Not in this category:

• Treatment for the baby is covered under the clinical category relevant to their condition. For example, respiratory conditions are covered under Lung and chest.
• Female reproductive conditions are listed separately under Gynaecology.
• Fertility treatments are listed separately under Assisted reproductive services.
• Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.