Total Care Hospital and Comprehensive Extras

Our top hospital cover with our widest range of extras benefits
  • No restrictions or exclusions for medically necessary procedures.
  • Three excess levels ($0, $300, $500).

What’s included?

Hospital cover

  • Treatment in a private hospital for medically necessary treatment.
  • Medicare covers 75% of the Medical Benefit Schedule (MBS) fee set by the Government for doctors’ charges and TUH covers the remaining 25%.
  • Accommodation, theatre fees, intensive care, cardiac care, industry approved prostheses and hospital medication in almost all private hospitals in Australia. Find out more

Extras cover

  • Wide range of extras, including dental, orthodontics, optical, physiotherapy, massage, podiatry, health appliances and more.
  • Health & Wellness benefit provides up to 80% on health screenings, and wellbeing, weight loss and fitness programs (up to overall annual limit).
  • Annual limits increase with years of membership.
  • Bonus to spend on extras out-of-pocket expenses.

Excess

  • This cover is available with no excess or can include a $300 or $500 excess to reduce premium costs.
  • The excess is payable by adults on the policy if they are admitted into hospital.
  • The excess is only payable once per adult per calendar year.

Dependants:

  • Covers single dependants until age 21, and full-time student dependants up to age 25.
  • If you have Total Care Hospital and Comprehensive Extras covers you can purchase extended dependant cover for a premium loading of approximately 30%. This allows your non-student dependants, who are single and earn less than $50,000 a year,to stay on your policy until age 25.

What’s not included?

  • Hospital treatment that is not medically necessary or treatment which is not eligible for Medicare benefits;
  • GP visits or other specialist appointments before you are admitted or after you are discharged from hospital;
  • Gap fees charged by specialists over the Medicare Benefits Schedule;
  • Experimental procedures/therapies;
  • High-cost medications; and
  • Robotic surgery consumables.

For further information, please refer to the Important Information Guide.

More information

Annual limits reset on 1 January. For full information on included services, benefits, limits, excesses, pre-existing condition rules and waiting periods, download the Total Care Hospital and Comprehensive Extras brochure and read in conjunction with the Important Information Guide.

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Important Information Guide