The level of hospital cover you choose is largely a personal choice that you might make depending on your needs.
You might need a higher level – silver or gold – to cover a particular health condition, like insulin pumps for diabetics or pain management for an extreme back condition.
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.