Hospital

☑️Your choice of treating doctor or specialist

☑️Overnight or same-day accommodation

☑️Private standard single or shared room

☑️Operating theatre, intensive care, and ward fees

☑️Surgically implanted prostheses (up to the Government Prostheses List limit)

❌ Hospital services not included under your level of cover

❌ Cosmetic surgery and other services not covered by Medicare

❌ Gaps charged by your doctor/specialist participating in the Access Gap Cover Scheme (check with your provider prior to treatment)

❌ Gap payments on certain prostheses (e.g. hip/knee replacements, pacemakers, eye lenses)

❌ Personal items like TV rental or phone calls during your stay

❌ Nursing home-type patient costs (set by the Federal Government)

❌ Experimental and some high-cost or exceptional drugs

❌ Emergency room visits where you’re not admitted

❌ Services not billed by the hospital

❌ Services claimable through compensation/damages (we may seek reimbursement)

❌ Treatment by a family member

❌ Outpatient services (e.g. radium therapy)

❌ Treatment, products, or services bought from overseas providers (even online)

❌ Sport/recreation/entertainment-related treatment (unless part of an approved program)

❌ Claims made with false or misleading information

❌ Extras services where a Medicare rebate applies (unless part of a substitute treatment)

❌ Anything received during a waiting period