Accidental injury benefit
Comprehensive ambulance cover
Travel and accommodation benefit
Includes treatment of back, neck and spine, lung and chest, sleep studies, and pain management. View all clinical inclusions.
Excludes pregnancy and birth, heart and vascular system and joint replacements. View all clinical exclusions.
- Palliative care
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Tonsils, adenoids and grommets
- Bone, joint and muscle
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Digestive system
- Hernia and appendix
- Gastrointestinal endoscopy
- Gynaecology
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Lung and chest
- Blood
- Back, neck and spine
- Plastic and reconstructive surgery (medically necessary)
- Dental surgery
- Podiatric surgery (by a registered podiatric surgeon)
- Implantation of hearing devices
- Sleep studies.
- Rehabilitation
- Hospital psychiatric services.
Treatment in a private hospital for a restricted service will incur significant out-of-pocket expenses. We cover the cost of a shared room in a public hospital.
You may upgrade your cover to receive hospital psychiatric services without a waiting period. You must have held continuous hospital cover for at least two months to be eligible for this exemption. The waiting period exemption is only available once in a person’s lifetime.
- Heart and vascular system
- Cataracts
- Joint replacements
- Dialysis for chronic kidney failure
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Insulin pumps
- Pain management with device.
