Same Saver cover, less to pay
Saver Hospital With Daily Co-Pay is for when you want solid hospital cover without dropping serious coin. It’s a Bronze Plus policy, which means it includes a bunch of common treatments for those just-in-case moments - think appendicitis, endoscopies, skin stuff, joints, and dental surgery all without punching your bank account in the face.
| So how does it work? If you're admitted to hospital, you’ll pay the standard $750 excess, plus a small daily co-payment: $50 per day, capped at $250. Sounds complicated? It’s actually pretty simple (and clever) - it’s what helps keep your regular premiums nice and low, while still giving you that peace-of-mind feeling.We explain it here → |
Perfect for:
- First-timers who want cover without the fluff
- Adults finally flying the nest (insurance-wise)
- Value-hunters who like a plan that just does the job
- Under 30? You could also pay even less with our age-based discount^.
You can take this product out on its own or combine with eligible Extras.
^Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) 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
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.
Brain and nervous system
Hospital treatment for the investigation and treatment of the brain, brain related conditions, spinal cord and peripheral nervous system.
For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.
Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Eye (not cataracts)
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.
For example: retinal detachment, tear duct conditions, eye infections and
medically managed trauma to the eye.
Cataract procedures are listed separately under Cataracts.
Eyelid procedures are listed separately under Plastic and reconstructive surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Ear, nose and throat
Hospital treatment for the investigation and treatment of the ear, nose, throat,
middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the
head and neck.
For example: damaged ear drum, sinus surgery, removal of foreign bodies,
stapedectomy and throat cancer.
Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids
and grommets.
The implantation of a hearing device is listed separately under Implantation of
hearing devices.
Orthopaedic neck conditions are listed separately under Back, neck and spine.
Sleep studies are listed separately under Sleep studies.
Chemotherapy and radiotherapy for cancer is listed separately under
Chemotherapy, radiotherapy and immunotherapy for cancer.
Tonsils, adenoids and grommets
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
Bone, joint and muscle
Hospital treatment for the investigation and treatment of diseases, disorders
and injuries of the musculoskeletal system.
For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs,
osteomyelitis and bone cancer.
Chest surgery is listed separately under Lung and chest.
Spinal cord conditions are listed separately under Brain and nervous system.
Spinal column conditions are listed separately under Back, neck and spine.
Joint reconstructions are listed separately under Joint reconstructions.
Joint replacements are listed separately under Joint replacements.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Management of back pain is listed separately under Pain management.
Pain management that requires a device is listed separately under Pain management with device.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Joint reconstructions
Hospital treatment for surgery for joint reconstructions.
For example: torn tendons, rotator cuff tears and damaged ligaments.
Joint replacements are listed separately under Joint replacements.
Bone fractures are listed separately under Bone, joint and muscle.
Procedures to the spinal column are listed separately under Back, neck and spine.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Kidney and bladder
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
For example: kidney stones, adrenal gland tumour and incontinence.
Dialysis is listed separately under Dialysis for chronic kidney failure.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Male reproductive system
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
For example: male sterilisation, circumcision and prostate cancer.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Digestive system
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.
Endoscopy is listed separately under Gastrointestinal endoscopy.
Hernia and appendicectomy procedures are listed separately under Hernia and appendix.
Bariatric surgery is listed separately under Weight loss surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Hernia and appendix
Hospital treatment for the investigation and treatment of a hernia or appendicitis.
Digestive conditions are listed separately under Digestive system.
Gastrointestinal endoscopy
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).
Non-endoscopic procedures for the digestive system are listed separately under Digestive system.
Gynaecology
Hospital treatment for the investigation and treatment of the female reproductive system.
For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.
Fertility treatments are listed separately under Assisted reproductive services.
Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.
Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Miscarriage and termination of pregnancy
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
Chemotherapy, radiotherapy and immunotherapy for cancer
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
Surgical treatment of cancer is listed separately under each body system.
Pain management
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.
Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.
Skin
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skinrelated condition is also included.
For example: melanoma, minor wound repair and abscesses.
Removal of excess skin due to weight loss is listed separately under Weight loss surgery.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Breast surgery (medically necessary)
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.
This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Diabetes management (excluding insulin pumps)
Hospital treatment for the investigation and management of diabetes.
For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.
Treatment for diabetes-related conditions is listed separately under each body system affected.
For example, treatment for diabetes-related eye conditions is listed separately under Eye.
Treatment for ulcers is listed separately under Skin.
Provision and replacement of insulin pumps is listed separately under Insulin
pumps.
Dental surgery
Hospital treatment for surgery to the teeth and gums.
For example: surgery to remove wisdom teeth, and dental implant surgery.
Rehabilitation
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.
Hospital psychiatric services
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.
Palliative care
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
Heart and vascular system
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Lung and chest
Hospital treatment for the investigation and treatment of the lungs, lung related conditions, mediastinum and chest.
For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Blood
Hospital treatment for the investigation and treatment of blood and bloodrelated conditions.
For example: blood clotting disorders and bone marrow transplants.
Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Back, neck and spine
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.
Joint replacements are listed separately under Joint replacements.
Joint fusions are listed separately under Bone, joint and muscle.
Spinal cord conditions are listed separately under Brain and nervous system.
Management of back pain is listed separately under Pain management.
Pain management that requires a device is listed separately under Pain management with device.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Plastic and reconstructive surgery (medically necessary)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.
For example: burns requiring a graft, cleft palate, club foot and angioma.
Plastic surgery that is medically necessary relating to the treatment of a skin related condition is listed separately under Skin.
Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Podiatric surgery (provided by a registered podiatric surgeon)
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:
- accommodation; and
- the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.
Implantation of hearing devices
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
Stapedectomy is listed separately under Ear, nose and throat.
Cataracts
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Joint replacements
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.
Joint fusions are listed separately under Bone, joint and muscle.
Spinal fusions are listed separately under Back, neck and spine.
Joint reconstructions are listed separately under Joint reconstructions.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Dialysis for chronic kidney failure
Hospital treatment for dialysis treatment for chronic kidney failure.
For example: peritoneal dialysis and haemodialysis.
Pregnancy and birth
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.
Treatment for the baby is covered under the clinical category relevant to their condition.
For example, respiratory conditions are covered under Lung and chest.
Female reproductive conditions are listed separately under Gynaecology. Fertility treatments are listed separately under Assisted reproductive services.
Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Assisted reproductive services
Hospital treatment for fertility treatments or procedures.
For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT). Treatment of the female reproductive system is listed separately under Gynaecology.
Pregnancy and birth-related services are listed separately under Pregnancy
and birth.
Weight loss surgery
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
For example: gastric banding, gastric bypass, sleeve gastrectomy.
Insulin pumps
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
Pain management with device
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).
Treatment of pain that does not require a device is listed separately under Pain management.
Sleep studies
Hospital treatment for the investigation of sleep patterns and anomalies.
For example: sleep apnoea and snoring.
Surgery or hospital treatment where Medicare does not pay a benefit
E.g. elective cosmetic surgery, experimental treatment/procedures and laser eye surgery (LASIK etc.)
From
$22.74*
per week
*Price quoted is for Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) Cover standalone for a single in Queensland, including a 24.288% Australian Government Rebate with a $750 Excess with Daily Co-Pay.
per week
*Price quoted is for Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) Cover standalone for a single in Queensland, including a 24.288% Australian Government Rebate with a $750 Excess with Daily Co-Pay.
Important Information
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
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:
| Pre-existing conditions | 12 months |
| Pregnancy and Birth | 12 months |
| Psychiatric, rehabilitation or palliative care | 2 months |
| Other Hospital Services | 2 months |
What's covered?
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☑️Your choice of treating doctor or specialist |
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☑️Overnight or same-day accommodation |
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☑️Private standard single or shared room |
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☑️Operating theatre, intensive care, and ward fees |
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☑️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.
What's not covered?
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❌ Hospital services not included under your level of cover |
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❌ Cosmetic surgery and other services not covered by Medicare |
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❌ Gaps charged by your doctor/specialist participating in the Access Gap Cover Scheme (check with your provider prior to treatment) |
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❌ Gap payments on certain prostheses (e.g. hip/knee replacements, pacemakers, eye lenses) |
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❌ Personal items like TV rental or phone calls during your stay |
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❌ Nursing home-type patient costs (set by the Federal Government) |
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❌ Experimental and some high-cost or exceptional drugs |
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❌ Emergency room visits where you’re not admitted |
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❌ Services not billed by the hospital |
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❌ Services claimable through compensation/damages (we may seek reimbursement) |
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❌ Treatment by a family member |
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❌ Outpatient services (e.g. radium therapy) |
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❌ Treatment, products, or services bought from overseas providers (even online) |
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❌ Sport/recreation/entertainment-related treatment (unless part of an approved program) |
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❌ Claims made with false or misleading information |
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❌ Extras services where a Medicare rebate applies (unless part of a substitute treatment) |
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❌ Anything received during a waiting period |