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For those who like to stay covered without the flashy stuff. Starter Hospital (Basic) provides essential protection and helps you avoid the Medicare Levy Surcharge—adulting win!
Features:
You can take this product out on its own or combine with eligible Extras.
^Starter Hospital (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.
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.
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.
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.
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.
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 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.
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.
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.
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
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.
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).
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.
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.
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.
Hospital treatment for the investigation and treatment of a hernia or appendicitis.
Digestive conditions are listed separately under Digestive system.
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.
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.
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Hospital treatment for surgery to the teeth and gums.
For example: surgery to remove wisdom teeth, and dental implant surgery.
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:
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
Stapedectomy is listed separately under Ear, nose and throat.
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
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).
Hospital treatment for dialysis treatment for chronic kidney failure.
For example: peritoneal dialysis and haemodialysis.
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.
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.
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.
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
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.
Hospital treatment for the investigation of sleep patterns and anomalies.
For example: sleep apnoea and snoring.
E.g. elective cosmetic surgery, experimental treatment/procedures and laser eye surgery (LASIK etc.)
per week
*Price quoted is for Starter Hospital (Basic) Cover standalone for a single in Queensland, including a 24.288% Australian Government Rebate with a $750 excess.
per week
*Price quoted is for Starter Hospital (Basic) Cover standalone for a single in Queensland, including a 24.288% Australian Government Rebate with a $750 excess.
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 |
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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.
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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 |
Join see-u and score weeks of free cover on eligible combined Hospital & Extras — plus we’ll waive your 2-month Extras waiting periods, so you can start using your cover sooner.
More in Your Pocket. Less on Your Mind.
T&Cs apply. Ends 2 Nov. Total weeks free (4, 6 or 8) depends on product selected. 2-month Extras waits waived only. Click here for full details.
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