The level of hospital cover you choose is largely a personal choice that you might make depending on government regulations, so we’re not going into that too much here.
Sometimes you might need a certain level – basic, bronze, silver, gold, etc. – to cover a particular health condition, like insulin pumps for diabetics or pain management for an extreme back condition.
But the main thing to remember here for most is just to make sure you have enough cover to avoid the Lifetime Health cover loading. And if you're a certain age, you might be eligible for some sweet age-based discounts.
Regardless of the cover you choose, all our hospital covers include:
- Treatment as an inpatient in a private hospital for medically necessary treatment.
- Accommodation, theatre fees, intensive care, cardiac care, government approved prostheses and hospital medication for all services included in your cover.
Tip: Before being admitted into hospital you're entitled to ask your doctor for an estimate of possible costs (called informed financial consent) and also check if they will charge you under our access gap scheme to reduce your out-of-pocket costs.