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Cover

Hospital Cover

Learn how Hospital Cover works and about the Clinical Categories it includes.

Reviewed and updated 21 June 2023

If you are considering taking out private health insurance, you should consider Hospital Cover.

In this overview, we explain everything you need to know about the Hospital Cover tiers – Basic, Bronze, Silver and Gold.

We also provide a summary of each of the 38 Clinical Categories so you know, depending on which tier you select, exactly what you are covered for.

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We calculate

  • A price for a new policy
  • A comparison of your existing policy
  • Your Government Rebate,
    Age-based Discount and
    Lifetime Health Cover Loading

Understand the 38 Hospital Cover Clinical Categories

Assisted Reproductive Services
hospital cover
Clinical Category
Back, Neck and Spine
hospital cover
Clinical Category
Blood
hospital cover
Clinical Category
Bone, Joint and Muscle
hospital cover
Clinical Category
Brain and Nervous System
hospital cover
Clinical Category
Breast Surgery (medically necessary)
hospital cover
Clinical Category
Cataracts
hospital cover
Clinical Category
Chemotherapy, Radiotherapy and Immunotherapy for cancer
hospital cover
Clinical Category
Dental Surgery
hospital cover
Clinical Category
Diabetes Management
hospital cover
Clinical Category
Dialysis for Chronic Kidney Failure
hospital cover
Clinical Category
Digestive System
hospital cover
Clinical Category
Ear, Nose and Throat
hospital cover
Clinical Category
Eye (not cataracts)
hospital cover
Clinical Category
Gastrointestinal Endoscopy
hospital cover
Clinical Category
Gynaecology
hospital cover
Clinical Category
Heart and Vascular System
hospital cover
Clinical Category
Hernia and Appendix
hospital cover
Clinical Category
Hospital Psychiatric Services
hospital cover
Clinical Category
Implantation of Hearing Devices
hospital cover
Clinical Category
Insulin Pumps
hospital cover
Clinical Category
Joint Reconstructions
hospital cover
Clinical Category
Joint Replacements
hospital cover
Clinical Category
Kidney and Bladder
hospital cover
Clinical Category
Lung and Chest
hospital cover
Clinical Category
Male Reproductive System
hospital cover
Clinical Category
Miscarriage or Termination of Pregnancy
hospital cover
Clinical Category
Pain Management
hospital cover
Clinical Category
Pain Management with Device
hospital cover
Clinical Category
Palliative Care
hospital cover
Clinical Category
Plastic and Reconstructive Surgery (medically necessary)
hospital cover
Clinical Category
Podiatric Surgery (by a registered podiatric surgeon)
hospital cover
Clinical Category
Pregnancy and Birth
hospital cover
Clinical Category
Rehabilitation
hospital cover
Clinical Category
Skin Conditions
hospital cover
Clinical Category
Sleep Studies
hospital cover
Clinical Category
Tonsils, Adenoids and Grommets
hospital cover
Clinical Category
Weight Loss Surgery
hospital cover
Clinical Category
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