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Hospital Cover Comparison Table

If you’re still not sure which cover you need, this table might help. It explains the benefits each level of cover gives you so you can quickly compare them.

Legend
Yes Service is covered by this cover
Covered with a $100 co-payment per night for a private room Service is covered by this cover with a $100 co-payment per night for a private room to a maximum of $700 per hospital stay.
Covered as a private patient in a public hospital Service is covered by this cover as a private patient in a public hospital
No Service is not covered by this cover

Hospital Service

Top Hospital

Mid Hospital

Public Hospital

Accidents

Yes

Yes

Covered as a private patient in a public hospital

Public hospital accommodation (as a private patient)

Yes

Covered with a $100 co-payment per night for a private room

Yes

Private hospital accommodation (private room)

Yes

Covered with a $100 co-payment per night for a private room

Covered as a private patient in a public hospital

Private hospital accommodation (shared room)

Yes

Yes

Covered as a private patient in a public hospital

No hospital excess for child dependents when admitted as a private patient

Yes

Yes

Covered as a private patient in a public hospital

Emergency Ambulance cover

Yes

Yes

Covered as a private patient in a public hospital

Cardiac surgery and coronary care

Yes

Yes

Covered as a private patient in a public hospital

Eye surgery

Yes

Yes

Covered as a private patient in a public hospital

Intensive care

Yes

Yes

Covered as a private patient in a public hospital

Joint reconstruction

Yes

Yes

Covered as a private patient in a public hospital

Medical Gap up to the Medical Benefits Scheduled fee (20% more if your doctor is a part of Budget Directs Health Insurance's medical gap cover scheme)

Yes

Yes

Covered as a private patient in a public hospital

Nursing home type patients

Yes

Yes

Covered as a private patient in a public hospital

Palliative care

Yes

Yes

Covered as a private patient in a public hospital

Plastic and reconstructive surgery (medically required)

Yes

Yes

Covered as a private patient in a public hospital

Psychiatric care

Yes

Yes

Covered as a private patient in a public hospital

Rehabilitation

Yes

Yes

Covered as a private patient in a public hospital

Same-day treatment

Yes

Yes

Covered as a private patient in a public hospital

Surgically-implanted prosthesis

Yes

Yes

Covered as a private patient in a public hospital

Theatre

Yes

Yes

Covered as a private patient in a public hospital

Other agreed charges

Yes

Yes

Covered as a private patient in a public hospital

Cataract surgery

Yes

No

Covered as a private patient in a public hospital

Dental implants done in hospital

Yes

No

Covered as a private patient in a public hospital

Joint replacement

Yes

No

Covered as a private patient in a public hospital

Delivery suite

Yes

No

Covered as a private patient in a public hospital

Obstetrics

Yes

No

Covered as a private patient in a public hospital

IVF and related services

Yes

No

Covered as a private patient in a public hospital

Renal dialysis

Yes

No

No

Gastric banding

Yes

No

No

Cosmetic surgery (not medically necessary)

No

No

No

If you'd like to do a health insurance comparison with the other options in the market, you can find our Health Insurance products on Compare The Market.

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