Each Health Insurance policy will differ depending on the Insurance provider, and the features you choose will determine the benefits you will be able to claim for. There are three main levels of hospital cover.
Basic Cover
Basic Hospital Cover will give an individual a choice of a private hospital and a basic set of pre-determined included services. Typically Basic Hospital Cover will exclude the following:
- Major surgery
- Elective or plastic surgery
- Replacement’s
- Birthing services
- Reproductive services
Medium Cover
Medium Hospital Cover builds on the basic cover offering a few extra services and benefits including electing a preferred doctor. Medium Cover may exclude the following:
- Elective or plastic surgery
- Replacement’s
- Birthing services
- Reproductive services
Top Cover
Top Hospital Cover is designed for individuals wanting full comprehensive hospital insurance with access to all features.
Top Cover includes all hospital treatments and services with no restrictions or exclusions except those excluded by all Health Insurers (Elective or plastic surgery). Top Cover policy holders enjoy benefits such as choice of a single or shared room and will often avoid waiting lists.
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