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Hospital Cover

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

Reviewed and updated 2 October 2024

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.

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
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Clinical Category
Eye (not cataracts)
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Clinical Category
Gastrointestinal Endoscopy
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Clinical Category
Gynaecology
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Clinical Category
Heart and Vascular System
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Clinical Category
Hernia and Appendix
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Clinical Category
Hospital Psychiatric Services
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Clinical Category
Implantation of Hearing Devices
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Clinical Category
Insulin Pumps
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Clinical Category
Joint Reconstructions
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Clinical Category
Joint Replacements
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Clinical Category
Kidney and Bladder
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Clinical Category
Lung and Chest
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Clinical Category
Male Reproductive System
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Clinical Category
Miscarriage or Termination of Pregnancy
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Clinical Category
Pain Management
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Clinical Category
Pain Management with Device
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Clinical Category
Palliative Care
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Clinical Category
Plastic and Reconstructive Surgery (medically necessary)
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Clinical Category
Podiatric Surgery (by a registered podiatric surgeon)
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Clinical Category
Pregnancy and Birth
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Clinical Category
Rehabilitation
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Clinical Category
Skin Conditions
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Clinical Category
Sleep Studies
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Clinical Category
Tonsils, Adenoids and Grommets
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Clinical Category
Weight Loss Surgery
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Clinical Category

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