Young Choice

Hassle-free cover that’s easy to manage
  • Budget hospital cover with a $250 excess per adult on the policy.
  • Basic extras.

What’s included?

Hospital cover:

  • 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

Extras cover:

  • A basic range of extras, including dental, optical and some therapies.


  • This cover has an excess of $250 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.

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:

  • Psychiatric service
  • Rehabilitation
  • Surgery by a podiatrist
  • Gastric banding and bariatric/obesity-related surgery (incl. reversals)
  • Plastic and reconstructive surgery.

Excluded services

We pay no benefit on:

  • Pregnancy and birth-related treatment
  • Labour ward
  • Infertility investigations and assisted reproductive services
  • Sterility reversals
  • Joint replacements and revisions
  • Cataracts, eye lens, glaucoma and macular degeneration treatment
  • Dialysis for chronic kidney disease. 

More information

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

Help me find the cover I need

Get the brochure 

Important Information Guide


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