Advantage Hospital No Pregnancy

  • Comprehensive hospital cover, with a $400 excess.
  • Has restrictions and exclusions.

What’s included?

  • 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%. Note that there may be extra for you to pay if your doctor charges over the MBS and does not participate in the Access Gap Cover Scheme.
  • Accommodation, theatre fees, intensive care, cardiac care, industry approved prostheses and hospital medication in almost all private hospitals in Australia. Find out more

Excess:

  • This cover has a $400 excess to reduce premium costs.
  • The excess is payable by adults on the policy if they are admitted to hospital (including same day surgery and procedures, such as chemotherapy and dialysis).
  • 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.
  • Non-student dependants, who are single and earn less than $50,000 a year, can stay on your policy as an extended dependant until the age of 25 for an additional premium loading.

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.

Restricted services:

We pay the default benefit for accommodation as determined by the Government and no benefit for theatre fees for:

  • Psychiatric services

Excluded services:

We pay no benefit for:

  • Congenital defects and conditions
  • Newborn/neonatal care
  • Pregnancy and birth-related
  • Labour ward
  • Infertility investigations, assisted reproductive services
  • Gastric banding and bariatric/obesity surgery, including reversal

More information

For full information on included services, benefits, limits, excesses, pre-existing condition rules and waiting periods, download the guide below and read in conjunction with the Important Information Guide. 

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Important Information Guide