What is hospital cover?
Hospital cover is private health insurance that covers you for the cost of hospital treatment and some medical expenses incurred during admission to hospital. With Mutual Community hospital cover, depending on your level of cover you are covered within our network of Members First or Participating Private hospitals, or public hospitals in Australia for the following: • Accommodation fees for overnight or same-day stays • Operating theatre, intensive care and labour ward fees • Pharmaceuticals supplied to you while in hospital as part of your hospital treatment (covered by the Pharmaceutical Benefit Scheme) • Allied services such as physiotherapy, occupational therapy and dietetics • Surgically implanted Government-recognised No Gap prostheses You are covered for the cost of any medical treatment up to the Government Schedule fee – this is the amount set by the Federal Government for each medical service covered by Medicare. Medicare pays 75% of the Schedule fee and Mutual Community pay
Private hospital cover helps reduce the costs associated with treatment in hospital (e.g. doctors fees, accommodation, operating theatre, intensive care, and pharmaceuticals in hospital). Having private hospital cover also allows you to choose your own doctor (such as your own obstetrician), and choose when you have treatment for elective surgery. Hospital Advanced Savings and Hospital Savings provide ‘minimum benefits’ for some hospital services. This means you would experience additional out-of-pocket expenses if you were treated for those services in a private hospital. If you are planning treatment for any services with ‘minimum benefits’, you should consider a higher level of cover to help reduce your out-of-pocket expenses. All HCF hospital covers allow you to claim for the following expenses: • Overnight and same day accommodation charges, less your excess (if applicable) • Operating theatre and critical care fees • Intensive care and Neo-natal intensive care • Coronary care • P
• With Health Partners Gold and Silver Hospital cover, you are covered for all medically necessary admissions for which a Medicare Rebate applies, including pregnancy, knee reconstructions and heart surgery. With Health Partners Bronze Hospital cover, you are covered for all medically necessary admission for which a Medicare Rebate applies, except for pregnancy, assisted reproductive services, dialysis associated with chronic renal failure, surgical weight loss procedures and joint replacement. Restrictions may apply for procedures where a Medicare Rebate does not apply (eg. cosmetic surgery, laser eye surgery and sterilisation reversal). If you need to go to hospital, we recommend you contact Health Partners on 1300 113 113 prior to your admission to verify your level of cover, as well as any excess, co-payment or gap payments you may have to make.
Hospital cover is private health insurance that covers you for the cost of hospital treatment and some medical expenses incurred during admission to hospital. With Australia hospital cover, depending on your level of cover you are covered within our network of Members First or Participating Private hospitals, or public hospitals in Australia for the following: • Accommodation fees for overnight or same-day stays • Operating theatre, intensive care and labour ward fees • Pharmaceuticals supplied to you while in hospital as part of your hospital treatment (covered by the Pharmaceutical Benefit Scheme) • Allied services such as physiotherapy, occupational therapy and dietetics • Surgically implanted Government-recognised No Gap prostheses You are covered for the cost of any medical treatment up to the Government Schedule fee – this is the amount set by the Federal Government for each medical service covered by Medicare. Medicare pays 75% of the Schedule fee and Australia pays the remainin
Hospital cover is private health insurance that covers you for the cost of hospital treatment and some medical expenses incurred during admission to hospital. With HBA hospital cover, depending on your level of cover you are covered within our network of Members First or Participating Private hospitals, or public hospitals in Australia for the following: • Accommodation fees for overnight or same-day stays • Operating theatre, intensive care and labour ward fees • Pharmaceuticals supplied to you while in hospital as part of your hospital treatment (covered by the Pharmaceutical Benefit Scheme) • Allied services such as physiotherapy, occupational therapy and dietetics • Surgically implanted Government-recognised No Gap prostheses You are covered for the cost of any medical treatment up to the Government Schedule fee – this is the amount set by the Federal Government for each medical service covered by Medicare. Medicare pays 75% of the Schedule fee and HBA pays the remaining 25%. If yo
