Important info

Things you ought to know

Going into hospital

What's covered?
What's not covered?
Waiting periods
Hospital treatment costs
Paying for hospital costs
Access Gap and out-of-pocket expenses
Find a hospital
Pre-existing ailments
Pregnancy and birth
After-hospital care

Using your extras

What's covered?
What's not covered?
Waiting periods
Out-of-pocket expenses
Dental treatments
Telehealth services
Find a provider
Health management benefit
Dental preferred providers

Government initiatives

Australian Government rebate on private health insurance
Medicare Levy Surcharge
Australian Government private health insurance reforms
Lifetime Health Cover Loading (LHC)
Lifetime mental health waiting period waiver
Pharmaceutical Benefit Scheme
Medicare Safety Net
Medicare Benefits Schedule
Age-based discount

Member resources

Make a claim
Change membership details
Rate change facts
Where do your premiums go?
Suspend your membership
Authority to access membership
Pet insurance
Safe Sleep Space Program
Premium payment options
Refer a friend
Strive for Health
Aged care transition & advisory services
Care Coordination Program
Forms
Product guides
Mobile app

Useful definitions

Accidents
Membership card
Ambulance
Benefit
Calendar year
Cooling off period
Cosmetic surgery
Default benefit
Dependants
Excess
Informed financial consent
Inpatient/outpatient
Limit
Medical practitioner
Membership categories
Nursing home type patient
Overseas products, treatments and services
Overseas travel
Pain management with device
Plastic and reconstructive surgery
Policyholder
Remote travel and accommodation
Restricted services
School accident cover
Spouse/partner authority
Surgically-implanted prostheses
Transaction authority
Transferring to Union Health
Waiting periods
Workers compensation
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