What is accident hospitalisation?

All Peoplecare hospital covers come with accident hospitalisations included. Read on to find out how this works.

What is an accident?

An accident is an unforeseen event which causes injury and needs hospitalisation.

Accidents include injuries like:

  • fractures
  • wounds
  • sprains
  • strains
  • dislocations
  • concussions
  • compressions

Accidents do not include acute illnesses like:

  • appendicitis
  • stroke
  • heart attacks

Why is accident hospital cover helpful?

In most cases, going to a public hospital as a public patient is your best option in an emergency. If you’re admitted to hospital after fronting to the emergency department, that’s where your Peoplecare hospital cover kicks in.

Your Peoplecare hospital cover means you can be admitted to either a public hospital (as a private patient) or a private hospital (but we don’t cover emergency department fees at private hospitals). And in the case of an accident, you’ll have no waiting periods. Like any private hospital admission, you may have out of pocket charges so it’s only worth doing if you really need to.

Here are our reasons not to use your hospital cover in a public hospital in an emergency admission.