Budget Hospital

Private hospital cover at an affordable price
  • Has restrictions and exclusions.
  • $500 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 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:

  • Medically necessary plastic and reconstructive surgery
  • Surgery by a podiatrist
  • Psychiatric services
  • Rehabilitation.

Excluded services

We pay no benefit on:

  • Pregnancy and birth-related treatment
  • Labour ward
  • Sterility reversals
  • Infertility investigations, assisted reproductive services
  • Joint replacements and revisions
  • Cataracts,
  • Eye lens, glaucoma and macular degeneration treatment
  • Dialysis for chronic kidney disease
  • Gastric banding and bariatric/obesity surgery (incl. reversal)
  • Newborn/neonatal care
  • Spinal surgery/treatment and related admissions (except as the result of an accident)
  • Cochlear implants, related admissions and replacements
  • Insulin pumps, related admissions and replacements
  • Robotic surgery.

More information

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

Help me find the cover I need

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Important Information Guide