We haven't called out all the elements and inclusion in hospital cover. Why? Because it’s a personal choice, shaped by your needs-based cover levels: basic, bronze, silver, gold.
Some people want basic cover to avoid paying the Medicare Levy Surcharge or Lifetime Health Cover loading that kicks in at age 30. Or, to look after a particular health condition like diabetes requiring an insulin pump or an extreme back condition, you might need to dial it up to a silver or gold cover.
Good to know
All our hospital covers include:
Treatment as an inpatient in a private hospital for medically necessary treatment.
Accommodation, theatre fees, intensive care, cardiac care, government approved prostheses and hospital medication for all services included in your cover.
If you have a hospital visit coming up, ask your doctor for an estimate of possible costs (called informed financial consent) and ask if they’ll charge you under our access gap scheme which will help save on out-of-pocket costs.
And the younger you’re when you join, you might be eligible an age-based discount on selected covers – wow!
FIND A SPECIALIST
Use the search below to find out if your specialist has participated in the Access Gap Scheme.
No matter your age, there’s a bunch of extras you can use. Most importantly you want to keep yourself well and recover quickly if you do have an injury or require surgery. We have extras for when you’re healthy. Extras help you when you’re healing and some super helpful and handy inclusions that we bet you didn’t know about!
Healthy extras are designed for you to stay well. Covering part or all the cost of out of hospital treatments like physio, massage, optical and dental.
Treat yourself to a massage or acupuncture session
Stay on top of your dental check ups
Keep moving comfortably with new orthotics.
You need the most support when you’re healing. We’re with you on the road to recovery.
We can organise health aids to help your post injury recovery
Occupational therapy and physio will help get you moving post injury
Wellbeing is about a healthy body and mind. Psychology consultants and assessments including hypnotherapy are available
And did you know?
Wisdom teeth removal at the dentist is covered under general dental (for in-hospital surgery you’ll need hospital cover)
Play contact sport? You can claim 100% (no-gap) for mouthguards at the Health Hub and our preferred providers.
Some extras take care of chronic health conditions – screenings, monitors and other specialised equipment you need.
Out of towner? We’ve got you covered. If you live over 150km from your treatment we have a Remote Travel Allowance to help with travel and accommodation costs.
Not all inclusions are in all covers. Check what you’re covered for on the TUH mobile app.
To find out exactly what you’re covered for, check out the TUH mobile app. It’s a one-stop shop to keep on top of your extras limits, find a nearby provider, and see what else you might be entitled to - all from your phone. It even has a super easy way to refer family and friends to TUH. For every person who joins on your say-so, we’ll give you a $100 eGift card. How awesome is that?
We have a great range of hospital covers, so you can pick the one that suits your lifestyle and budget.With extras you can claim for services such as dental, optical, physio and massage. We have a great range of covers, so you can pick the one that suits your lifestyle and budget.
(*) Prices include direct debit discount. (R) Restrictions apply. Sub limits may apply on extras products, click on for more details. Set extras benefits apply per service and vary depending on cover. Waiting periods may apply. Your rates may differ based on your Lifetime Health Cover loading (LHC). Actual rates may differ from those stated by up to 5c due to rounding increments.
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Looks like we don’t have an option that suits your needs
Unfortunately, we don’t have a level of cover that matches the criteria you have selected. If you would like to discuss this further, please contact us on 1300 360 701 or via email at firstname.lastname@example.org.