Hospital Cover

Get more with Private Hospital Insurance

Receive treatment in a private hospital for medically necessary inpatient services outlined in your policy – plus access to our exclusive member services and programs to help you leave the hospital sooner.

Shorter wait times

Enjoy reduced wait time for elective surgery which can be over a year long in the public hospital system.

Reduced medical costs

Take advantage of lower or no out-of-pocket expenses for in hospital specialist/doctor fees with our Access Gap Cover.

Freedom of choice

Choose your doctor and attend a hospital where you’re more likely to be given your own private room.

Find the right level of cover for you

Health insurance can be overwhelming so let's keep things simple. Unsure what level of cover need? Compare our hospital covers below.

Hospital Cover

Basic+ Hospital

This is an excellent entry-level choice for individuals seeking affordable private hospital coverage that shields you from any applicable Medicare Levy Surcharge.

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Bronze+ Hospital

Opt for focused protection with cover for common treatments and without the burden of hefty costs associated with coverage for major hospital procedures.

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Silver+ Hospital Essentials

Strike the perfect balance between comprehensive coverage and cost-effectiveness with protection for various hospital treatments, minus higher-cost items such as pregnancy and cataracts.

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Silver+ No Pregnancy Hospital

Get coverage that aligns with your needs, including a diverse range of treatments while excluding pregnancy, birth, assisted reproductive services and weight loss surgery.

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Silver+ Family Hospital

Enjoy family-centric hospital cover with comprehensive cover across a broad spectrum of treatments, including pregnancy, birth and assisted reproductive services.

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Gold Hospital

Experience the gold standard with protection across all 38 hospital treatment categories, including specialised services such as cataracts and weight loss surgery so you're covered for every scenario.

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Choose Union Health to have your back

We take the complexity out of health insurance with great value health cover, outstanding local customer service and the ability to manage it all from your pocket with the Union Health App.