Same Starter cover, smaller price tag

Most people (maybe you?) don’t expect to use their hospital cover that often. That’s why this option helps you pay less in premiums than our OG Starter Hospital product while still keeping you covered for the same stuff like accidents and emergency ambulance.

How? With co-payments.
They help keep premiums low, so you're not paying for treatments you’ll probably never need. But if an unexpected accident does happen, you’re covered with a $750 excess, plus a small daily co-payment ($50 per day, capped at $250). Confused? Don’t be we explain it here →

Perfect for:

  • Affordable Basic hospital cover that helps you avoid the Medicare Levy Surcharge
  • Simple “just in case” accident cover, no extra fluff
  • Under 30? You could also pay even less with our age-based discount^.
Download Product Summary Apply now

You can take this product out on its own or combine with eligible Extras.

^Starter Hospital $750 Excess with Daily Co-Pay (Basic) is an age-based discount policy and also a retained age-based discount policy. For more information on eligibility to these discounts please refer to our information.

What you're covered for

Services that are included under Starter Hospital $750 Excess with Daily Co-Pay (Basic)
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Accident Cover

Accident Cover provides temporary hospital cover for up to 90 days following an Accident for services at are normally Restricted or Excluded if the hospital treatment is required for injuries that were sustained in an Accident which occurred after joining a see-u hospital cover.

An Accident is an unforeseen event, occurring by chance and caused by an unintentional and external force or object resulting in involuntary hurt or injury to the body, which requires treatment by a Medical Practitioner or a Hospital Emergency department within 48 hours of the accident.

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Emergency Ambulance Cover

If you're not eligible for a concession, free ambulance transport or a state ambulance scheme does not provide cover, we will pay benefits towards emergency ambulance services when provided by recognised providers.

Some covers limit the number of Emergency Ambulance services you can have in a calendar year, view the product summary and our Member Guide for more information on what's covered, and other important stuff.

From $18.00*

per week

*Price quoted is for Starter Hospital $750 Excess with Daily Co-Pay (Basic) Cover standalone for a single in Queensland, including a 24.288% Australian Government Rebate with a $750 Excess with Daily Co-Pay. 

From
18.00*

per week

*Price quoted is for Starter Hospital $750 Excess with Daily Co-Pay (Basic) Cover standalone for a single in Queensland, including a 24.288% Australian Government Rebate with a $750 Excess with Daily Co-Pay. 

Apply now

Important Information

How Costs Work

Hospital cover can sound complicated, but with our Co-Pay products, it’s actually pretty simple.

Excess

  • $750 per person, per calendar year (up to $1500 per couple/family)
  • This is what you’ll pay if you're admitted to hospital for same-day or overnight treatment

Co-payment

  • $50 per day you're admitted (including day surgeries)
  • Capped at $250 per admission

Yes, you might pay both the excess and co-pay depending on the situation - but we’ll always keep it clear


💡 Think of it like splitting the bill with your health insurer - we pick up most of it, you chip in a bit to keep your cover affordable.

Still confused? No worries. We made a whole blog post to walk you through it 👉 Check it out 

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Waiting periods and pre-existing conditions

Joining or upgrading? You might need to wait before claiming some services. Switching from another fund? If you’ve already served your waits for the same stuff on a similar level of cover, we’ll count them.

Here’s what applies:

Waiting Periods
Pre-existing conditions 12 months
Pregnancy and Birth 12 months
Psychiatric, rehabilitation or palliative care 2 months
Other Hospital Services 2 months

 

 

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What's covered?

☑️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)

👉 Tip: Always contact us before admission to check if your hospital has an agreement with see-u.

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What's not covered?

❌ 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