Benefit Limitations apply if you currently do not have Private Health Insurance

If you are considering this product, during your first 24 months of cover (but after the standard hospital waiting periods have been served) this service is subject to ‘Benefit Limitations’. This means that the benefits payable on these services are limited to Public Hospital Benefits only.

Public Hospital Benefits

A Public Hospital Benefit is the level of benefit which will cover you for a stay in a shared ward of a public hospital. But it will not go anywhere near paying for the cost for a stay in a private room in a public hospital or a stay in a private hospital, you will pay large out of pocket expenses to cover the difference in costs.

Restrictions Apply

This service is limited to Public Hospital Benefits

Public Hospital Benefits

A Public Hospital Benefit is the level of benefit which will cover you for a stay in a shared ward of a public hospital. But it will not go anywhere near paying for the cost for a stay in a private room in a public hospital or a stay in a private hospital, you will pay large out of pocket expenses to cover the difference in costs.

30 Day Moneyback Guarantee

We've created this simple guide to help you compare our health insurance products. It allows you to easily see what's included in each of our hospital and extras packages to help you make an informed decision.

Step 1

Select cover for:

Step 2

Compare our combined Hospital and Extras covers

  • Individuals Icon

    Singles

  • Select the products to compare:

  • Hospital(Waiting Periods)

    examples of services

  • Removal of tonsils & appendix(2 months unless pre-existing)
  • Knee & shoulder surgery(2 months unless pre-existing)
  • Colonoscopies & bowel surgery(2 months unless pre-existing)
  • Major eye surgery(2 months unless pre-existing)
  • Major Joint replacement(2 months unless pre-existing)
  • Heart surgery(2 months unless pre-existing)
  • Rehabilitation programs(2 months)
  • Pregnancy & birth related services(12 months)
  • Renal dialysis(2 months unless pre-existing)
  • Psychiatric conditions(2 months)
  • Ambulance (1 day)
  • Extras (Waiting Periods)
  • General Dental(2 months)
  • Major Dental(12 months)
  • Orthodontia(12 months)
  • Optical(6 months)
  • Physiotherapy(2 months)
  • Exercise Phsiology(2 months)
  • Chiropractic(2 months)
  • Osteopathy(2 months)
  • Natural Therapies(2 months)
  • Speech Therapy(2 months)
  • Podiatry Consultations(2 months)
  • Orthoptics(2 months)
  • Occupational Therapy(2 months)
  • Dietetics(2 months)
  • Home Nursing(2 months)
  • Antenatal & Postnatal Services(2 months)
  • Pharmaceutical Prescriptions(2 months)
  • Psychology(2 months)
  • Hearing Aids(36 months)
  • Artificial Aids(2 - 12 months)
  • Healthier Lifestyle(6 months)
  • Total extras value
  • Price
  • More Info
  • Basic Saver
  • from
    $12.95*
    per week
  • 50%
    back on extras
  • LOW
    hospital level
  • more info
  • Basic Saver
  • Covered
  • restrictions apply
  • restrictions apply
  • N/A
  • N/A
  • restrictions apply
  • restrictions apply
  • N/A
  • N/A
  • restrictions apply
  • Covered
  • Basic Saver
  • $450
  • N/A
  • N/A
  • $200
  • $200 combined annual limit
  • N/A
  • $100
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $950
  • from
    $12.95*
    per week
  • basic saver
  • Basic Plus
  • from
    $17.56*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Basic Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • restrictions apply
  • restrictions apply
  • restrictions apply
  • N/A
  • restrictions apply
  • Covered
  • Basic Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $200
  • $200
  • N/A
  • N/A
  • $150
  • $2,450
  • from
    $17.56*
    per week
  • basic plus
  • Mid Plus
  • from
    $22.42*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Mid Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • Covered
  • Covered
  • N/A
  • Covered
  • restrictions apply
  • Covered
  • Mid Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $300
  • $200
  • N/A
  • N/A
  • $150
  • $2,550
  • from
    $22.42*
    per week
  • mid plus
  • Hospital Plus
  • from
    $28.57*
    per week
  • 50%
    back on extras
  • HIGH
    hospital level
  • more info
  • Hospital Plus
  • Covered
  • Covered
  • Covered
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • restrictions apply
  • Covered
  • Hospital Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $100
  • $200
  • N/A
  • N/A
  • N/A
  • $150
  • $2,350
  • from
    $28.57*
    per week
  • hospital plus
  • Top Cover
  • from
    $37.28*
    per week
  • 75%
    back on extras
  • HIGH
    hospital level
  • more info
  • Top Cover
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Top Cover
  • $600
  • $1,200
  • $350
  • $300
  • $550 combined annual limit
  • $250
  • $400 combined annual limit
  • $500
  • $300
  • $800
  • combined annual limit includes orthotics
  • $250
  • $5,550
  • from
    $37.28*
    per week
  • top cover
Join Today Claim Straight Away

No 2 month wait to claim on Extras when you join any Hospital & Extras package.

Offer extended until May 31. *more info

Join Now

*(NSW) Varies from state to state. Price includes discount of up to 4% for direct debit from cheque or savings account, Federal Government 30% rebate on private health insurance, an excess of $500 per person per calendar year but does not the include Lifetime Health Cover loading.

step 2

Compare our combined Hospital and Extras covers

  • Couples Icon

    Couples

  • Select the products to compare:

  • Hospital(Waiting Periods)

    examples of services

  • Removal of tonsils & appendix(2 months unless pre-existing)
  • Knee & shoulder surgery(2 months unless pre-existing)
  • Colonoscopies & bowel surgery(2 months unless pre-existing)
  • Major eye surgery(2 months unless pre-existing)
  • Major Joint replacement(2 months unless pre-existing)
  • Heart surgery(2 months unless pre-existing)
  • Rehabilitation programs(2 months)
  • Pregnancy & birth related services(12 months)
  • Renal dialysis(2 months unless pre-existing)
  • Psychiatric conditions(2 months)
  • Ambulance (1 day)
  • Extras (Waiting periods)
  • General Dental(2 months)
  • Major Dental(12 months)
  • Orthodontia(12 months)
  • Optical(6 months)
  • Physiotherapy(2 months)
  • Exercise Phsiology(2 months)
  • Chiropractic(2 months)
  • Osteopathy(2 months)
  • Natural Therapies(2 months)
  • Speech Therapy(2 months)
  • Podiatry Consultations(2 months)
  • Orthoptics(2 months)
  • Occupational Therapy(2 months)
  • Dietetics(2 months)
  • Home Nursing(2 months)
  • Antenatal & Postnatal Services(2 months)
  • Pharmaceutical Prescriptions(2 months)
  • Psychology(2 months)
  • Hearing Aids(36 months)
  • Artificial Aids(2 -12 months)
  • Healthier Lifestyle(6 months)
  • Total extras value
  • Price
  • More Info
  • Basic Saver
  • from
    $25.90*
    per week
  • 50%
    back on extras
  • LOW
    hospital level
  • more info
  • Basic Saver
  • Covered
  • restrictions apply
  • restrictions apply
  • N/A
  • N/A
  • restrictions apply
  • restrictions apply
  • N/A
  • N/A
  • restrictions apply
  • Covered
  • Basic Saver
  • $450
  • N/A
  • N/A
  • $200
  • $200 combined annual limit
  • N/A
  • $100
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $950
  • from
    $25.90*
    per week
  • basic saver
  • Basic Plus
  • from
    $35.12*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Basic Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • restrictions apply
  • restrictions apply
  • restrictions apply
  • N/A
  • restrictions apply
  • Covered
  • Basic Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $200
  • $200
  • N/A
  • N/A
  • $150
  • $2,450
  • from
    $35.12*
    per week
  • basic plus
  • Mid Plus
  • from
    $44.84*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Mid Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • Covered
  • Covered
  • N/A
  • Covered
  • restrictions apply
  • Covered
  • Mid Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $300
  • $200
  • N/A
  • N/A
  • $150
  • $2,550
  • from
    $44.84*
    per week
  • mid plus
  • Family Plus
  • from
    $56.26*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Family Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • restrictions apply
  • restrictions apply
  • Coveredbenefit limitations apply
  • restrictions apply
  • restrictions apply
  • Covered
  • Family Plus
  • $500
  • $600
  • $250
  • $250
  • $350 combinded annual limit
  • $300 combined annual limit
  • includes orthotics
  • N/A
  • N/A
  • N/A
  • N/A
  • $100
  • $300
  • $200
  • N/A
  • N/A
  • $150
  • $3,000
  • from
    $56.26*
    per week
  • family plus
  • Hospital Plus
  • from
    $57.14*
    per week
  • 50%
    back on extras
  • HIGH
    hospital level
  • more info
  • Hospital Plus
  • Covered
  • Covered
  • Covered
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • restrictions apply
  • Covered
  • Hospital Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $100
  • $200
  • N/A
  • N/A
  • N/A
  • $150
  • $2,350
  • from
    $57.14*
    per week
  • hospital plus
  • Top Cover
  • from
    $74.56*
    per week
  • 75%
    back on extras
  • HIGH
    hospital level
  • more info
  • Top Cover
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Top Cover
  • $600
  • $1,200
  • $350
  • $300
  • $550 combined annual limit
  • $250
  • $400 combined annual limit
  • $500
  • $300
  • $800
  • combined annual limit includes orthotics
  • $250
  • $5,550
  • from
    $74.56*
    per week
  • top cover
Join Today Claim Straight Away

No 2 month wait to claim on Extras when you join any Hospital & Extras package.

Offer extended until May 31. *more info

Join Now

*(NSW) Varies from state to state. Price includes discount of up to 4% for direct debit from cheque or savings account, Federal Government 30% rebate on private health insurance, an excess of $500 per person per calendar year but does not the include Lifetime Health Cover loading.

Step 2

Compare our combined Hospital and Extras covers

  • Single Parent Families Icon

    Single Parent Families

  • Select the products to compare:

  • Hospital(Waiting Periods)

    examples of services

  • Removal of tonsils & appendix(2 months unless pre-existing)
  • Knee & shoulder surgery(2 months unless pre-existing)
  • Colonoscopies & bowel surgery(2 months unless pre-existing)
  • Major eye surgery(2 month unless pre-existing)
  • Major Joint replacement(2 months unless pre-existing)
  • Heart surgery(2 months unless pre-existing)
  • Rehabilitation programs(2 months)
  • Pregnancy & birth related services(12 months)
  • Renal dialysis(2 months unless pre-existing)
  • Psychiatric conditions(2 months)
  • Ambulance (1 day)
  • Extras(Waiting periods)
  • General Dental(2 months)
  • Major Dental(12 months)
  • Orthodontia(12 months)
  • Optical(6 months)
  • Physiotherapy(2 months)
  • Exercise Phsiology(2 months)
  • Chiropractic(2 months)
  • Osteopathy(2 months)
  • Natural Therapies(2 months)
  • Speech Therapy(2 months)
  • Podiatry Consultations(2 months)
  • Orthoptics(2 months)
  • Occupational Therapy(2 months)
  • Dietetics(2 months)
  • Home Nursing (2 months)
  • Antenatal & Postnatal Services (2 months)
  • Pharmaceutical Prescriptions (2 months)
  • Psychology (2 months)
  • Hearing Aids (36 months)
  • Artificial Aids (2 -12 months)
  • Healthier Lifestyle (6 months)
  • Total extras value
  • Price
  • More Info
  • Mid Plus
  • from
    $38.34*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Mid Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • Covered
  • Covered
  • N/A
  • Covered
  • restrictions apply
  • Covered
  • Mid Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $300
  • $200
  • N/A
  • N/A
  • $150
  • $2,550
  • from
    $38.34*
    per week
  • mid plus
  • Family Plus
  • from
    $48.06*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Family Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • restrictions apply
  • restrictions apply
  • Coveredbenefit limitations apply
  • restrictions apply
  • restrictions apply
  • Covered
  • Family Plus
  • $500
  • $600
  • $250
  • $250
  • $350 combinded annual limit
  • $300 combined annual limit
  • includes orthotics
  • N/A
  • N/A
  • N/A
  • N/A
  • $100
  • $300
  • $200
  • N/A
  • N/A
  • $150
  • $3,000
  • from
    $48.06*
    per week
  • family plus
  • Hospital Plus
  • from
    $48.81*
    per week
  • 50%
    back on extras
  • HIGH
    hospital level
  • more info
  • Hospital Plus
  • Covered
  • Covered
  • Covered
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • restrictions apply
  • Covered
  • Hospital Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $100
  • $200
  • N/A
  • N/A
  • N/A
  • $150
  • $2,350
  • from
    $48.81*
    per week
  • hospital plus
  • Top Cover
  • from
    $63.60*
    per week
  • 75%
    back on extras
  • HIGH
    hospital level
  • more info
  • Top Cover
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Top Cover
  • $600
  • $1,200
  • $350
  • $300
  • $550 combined annual limit
  • $250
  • $400 combined annual limit
  • $500
  • $300
  • $800
  • combined annual limit includes orthotics
  • $250
  • $5,550
  • from
    $63.60*
    per week
  • top cover
Join Today Claim Straight Away

No 2 month wait to claim on Extras when you join any Hospital & Extras package.

Offer extended until May 31. *more info

Join Now

*(NSW) Varies from state to state. Price includes discount of up to 4% for direct debit from cheque or savings account, Federal Government 30% rebate on private health insurance, an excess of $500 per person per calendar year but does not the include Lifetime Health Cover loading.

Step 2

Compare our combined Hospital and Extras covers

  • Families Icon

    Families

  • Select the products to compare:

  • Hospital(Waiting Periods)

    examples of services

  • Removal of tonsils & appendix(2 months unless pre-existing)
  • Knee & shoulder surgery(2 months unless pre-existing)
  • Colonoscopies & bowel surgery(2 months unless pre-existing)
  • Major eye surgery(2 months unless pre-existing)
  • Major Joint replacement(2 months unless pre-existing)
  • Heart surgery(2 months unless pre-existing)
  • Rehabilitation programs(2 months)
  • Pregnancy & birth related services(12 months)
  • Renal dialysis(2 months unless pre-existing)
  • Psychiatric conditions(2 months)
  • Ambulance (1 day)
  • Extras (Waiting periods)
  • General Dental (2 months)
  • Major Dental(12 months)
  • Orthodontia(12 months)
  • Optical(6 months)
  • Physiotherapy(2 months)
  • Exercise Phsiology(2 months)
  • Chiropractic(2 months)
  • Osteopathy(2 months)
  • Natural Therapies(2 months)
  • Speech Therapy(2 months)
  • Podiatry Consultations(2 months)
  • Orthoptics(2 months)
  • Occupational Therapy(2 months)
  • Dietetics(2 months)
  • Home Nursing(2 months)
  • Antenatal & Postnatal Services(2 months)
  • Pharmaceutical Prescriptions(2 months)
  • Psychology(2 months)
  • Hearing Aids(36 months)
  • Artificial Aids(2 - 12 months)
  • Healthier Lifestyle (6 months)
  • Total extras value
  • Price
  • More Info
  • Mid Plus
  • from
    $44.84*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Mid Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • Covered
  • Covered
  • N/A
  • Covered
  • restrictions apply
  • Covered
  • Mid Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $300
  • $200
  • N/A
  • N/A
  • $150
  • $2,550
  • from
    $44.84*
    per week
  • mid plus
  • Family Plus
  • from
    $56.26*
    per week
  • 65%
    back on extras
  • MED
    hospital level
  • more info
  • Family Plus
  • Covered
  • Covered
  • Covered
  • N/A
  • N/A
  • restrictions apply
  • restrictions apply
  • Coveredbenefit limitations apply
  • restrictions apply
  • restrictions apply
  • Covered
  • Family Plus
  • $500
  • $600
  • $250
  • $250
  • $350 combinded annual limit
  • $300 combined annual limit
  • includes orthotics
  • N/A
  • N/A
  • N/A
  • N/A
  • $100
  • $300
  • $200
  • N/A
  • N/A
  • $150
  • $3,000
  • from
    $56.26*
    per week
  • family plus
  • Hospital Plus
  • from
    $57.14*
    per week
  • 50%
    back on extras
  • HIGH
    hospital level
  • more info
  • Hospital Plus
  • Covered
  • Covered
  • Covered
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • Coveredbenefit limitations apply
  • restrictions apply
  • Covered
  • Hospital Plus
  • $500
  • $600

  • combined annual limit

  • $250
  • $350 combined annual limit
  • $200
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • $100
  • $200
  • N/A
  • N/A
  • N/A
  • $150
  • $2,350
  • from
    $57.14*
    per week
  • hospital plus
  • Top Cover
  • from
    $74.56*
    per week
  • 75%
    back on extras
  • HIGH
    hospital level
  • more info
  • Top Cover
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Covered
  • Top Cover
  • $600
  • $1,200
  • $350
  • $300
  • $550 combined annual limit
  • $250
  • $400 combined annual limit
  • $500
  • $300
  • $800
  • combined annual limit includes orthotics
  • $250
  • $5,550
  • from
    $74.56*
    per week
  • top cover
Join Today Claim Straight Away

No 2 month wait to claim on Extras when you join any Hospital & Extras package.

Offer extended until May 31. *more info

Join Now

*(NSW) Varies from state to state. Price includes discount of up to 4% for direct debit from cheque or savings account, Federal Government 30% rebate on private health insurance, an excess of $500 per person per calendar year but does not the include Lifetime Health Cover loading.