Ultimate Choice

An exceptional package for total peace of mind
  • Top hospital cover, with no excess to pay.
  • Generous extras benefits to look after your health and wellbeing.
  • Bonus to spend on extras out-of-pocket expenses.

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 inpatient hospital medication in almost all private hospitals in Australia. Find out more.

Extras cover:

  • The highest and most comprehensive level of extras, including major dental, optical, physiotherapy and other therapies.
  • High major dental benefit.
  • No limits on general dental. 
  • Bonus of $125 (single) or $250 (family) to put towards your extras out-of-pocket expenses (conditions apply).
  • Limits increase with years of membership for selected services.


  • 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 a premium loading of approximately 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.

More information

Annual limits reset on 1 January. For full information on benefits, limits, pre-existing condition rules and waiting periods, download the Ultimate Choice brochure and read in conjunction with the Important Information Guide.

Help me find the cover I need

Get the brochure 

Important Information Guide



Please select your rebate tier to view the premiums

The premiums displayed below are inclusive of the direct debit discount of 1.5% and are subject to your individual circumstances and should be considered as an indicative guide only. Please note Lifetime Health Cover loading (if applicable) is not included in these premiums.

  Fortnightly Monthly Quarterly Half yearly
  Direct debit Manual payment Direct debit Manual payment Direct debit Manual payment Direct debit Manual payment
Couple 223.75 227.15 484.80 492.15 1,454.35 1,476.50 2,908.70 2,953.05
Single 111.85 113.55 242.35 246.05 727.15 738.25 1,454.35 1,476.50
Single Parent 171.15 173.75 370.80 376.50 1,112.55 1,129.50 2,225.15 2,259.00
Couple or Family 227.10 230.55 492.05 499.50 1,476.20 1,498.60 2,952.35 2,997.30
Single Parent with extended dependent 209.75 212.95 454.50 461.40 1,363.45 1,384.20 2,726.95 2,768.45
Couple or Family with extended dependent 279.65 283.90 606.00 615.20 1,817.95 1,845.60 3,635.90 3,691.25

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