About hospital and extras insurance
Private health insurance has two components, hospital cover and extras cover. Depending on your needs you can purchase both or just one.
Hospital cover allows you affordable access to a private hospital, whether it's for a same day procedure, overnight admission or a longer stay.
Extras cover gives you money back on the cost of health services not covered by Medicare. These include dental, optical, chiro, physio, and a range of alternative therapies.
We offer ADF packages that combine hospital and extras, and a range of hospital covers and extras covers that can be mixed and matched to meet your needs.
Our ADF Total Package Gold Plus and ADF Essentials Package Basic Plus are just for ADF members (permanent SERCAT 6-7, and reservist SERCAT 3-5 serving 20 or more training days in a financial year), their partners and families. These packages are our best value for money options and there is choice in the level of protection they offer.
Standalone cover for mixing and matching
We offer a range of hospital covers and extras covers that can be mixed and matched to meet your needs. ADF families get special pricing on the mix and match range.
We have four levels of hospital cover, Ultimate Gold, Value Silver Plus, Everyday Bronze Plus and Essentials Basic Plus. The level you choose determines the number and types of procedures and services you’re covered for. The higher your level of cover, the more you’ll be covered for.
We have three levels of extras cover – Premier, Value and Essentials. The higher your level of cover, the more services you’ll be covered for and the lower your out-of-pocket expenses will be.
As well as dental and optical networks that deliver great value and lower out-of-pockets, we also offer extra flexibility through flexi-limits. This means you can claim more of your favourite treatment. It can be claimed across the range of flexi-treatment categories, or you can choose to use it on your favourite service. So you can choose how you spend it.