Using your hospital cover

Find a doctor

To reduce your out-of-pocket costs, we have agreements with more than 37,000 doctors across Australia. This is called Access Gap. Search below to see if your doctor has taken part in our Access Gap in the past. Remember, it’s the personal choice of the doctor whether they participate in Access Gap and they can decide on a case-by-case basis.

Find a hospital

We've got agreements with most private hospitals in Australia. Find your nearest one with our hospital search.

If you can't find the hospital you're after, give us a buzz.


Access Gap

Access Gap is a scheme to reduce your out-of-pocket doctor expenses. First you need to ask your doctor if they participate. If they do, we pay them more than the Medicare Benefit Schedule fee – resulting in lower or no out-of-pocket expenses for you. 

To make it easier to find doctors with a track record of providing Access Gap services, we’ve added a new search available here. 

Going to hospital guide

We really do care about people (the hint is in our name) and we want you to know we’ve got your back when you need us. We’ve put together a guide for your hospital stay – from what to ask your doctor to how we pay the bills so that you’re fully informed. 

Planning a family

Pregnancy’s an exciting time, but also full of questions. Between the internet and everyone’s “helpful” advice, it can be a bit of an information overload. We want to make this time as easy as possible, so we’ve put together all the FAQs we get – from before bub is born to when you leave hospital.

Reduce your out-of-pocket

Want to save on out-of-pocket expenses on your planned surgery?

We've provided our members a new search tool to make it easier to find doctors with a track record of providing Access Gap services.