Hospital Cover

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

Reviewed and updated 13 August 2025

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.

What is Hospital Cover?

What is the difference between Hospital Cover and Extras Cover?

How does Hospital Cover work?

Should I take out Hospital Cover?

How to understand the difference between Basic, Bronze, Silver and Gold Hospital Cover

What is Basic, Bronze and Silver Plus Cover?

How should I decide what Hospital Cover tier is best for me?

Can I get Hospital-only Cover?

Can I get Hospital Cover without a waiting period?

Understand the 38 Hospital Cover Clinical Categories

Assisted Reproductive Services

Bone, Joint and Muscle

hospital cover

Clinical Category

Brain and Nervous System

hospital cover

Clinical Category

Breast Surgery (medically necessary)

Chemotherapy, Radiotherapy and Immunotherapy for Cancer

Dialysis for Chronic Kidney Failure

Gastrointestinal Endoscopy

Heart and Vascular System

Hospital Psychiatric Services

hospital cover

Clinical Category

Implantation of Hearing Devices

Joint Reconstructions

Male Reproductive System

hospital cover

Clinical Category

Miscarriage or Termination of Pregnancy

Pain Management with Device

Plastic and Reconstructive Surgery (medically necessary)

hospital cover

Clinical Category

Podiatric Surgery (by a registered podiatric surgeon)

Tonsils, Adenoids and Grommets

Hospital Cover

Understand the 38 Hospital Cover Clinical Categories

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