Bronze+ Hospital

Private hospital cover at an affordable price
  • Has restrictions and exclusions.
  • $500 OR $750 excess per adult on the policy.

What’s included?

  • Treatment in a private hospital for medically necessary treatment (restrictions and exclusions apply).
  • 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


  • This cover has an excess of $500 OR $750 to keep premium costs lower.
  • 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.


  • Covers single dependants until age 21, and full-time student dependants up to age 25.
  • Non-student dependants who are single 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
  • Robotic surgery consumables.

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

Restricted services:

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

  • Hospital psychiatric services
  • Rehabilitation.

Excluded services

We pay no benefit on:

  • Back, neck and spine
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Implantation of hearing devices
  • Cataracts
  • Joint replacements
  • Dialysis for chronic kidney failure
  • Pregnancy and birth
  • Assisted reproductive services
  • Weight loss surgery
  • Insulin pumps
  • Pain management with device
  • Surgery by a podiatrist

More information

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

Help me find the cover I need

Get the brochure 

Important Information Guide