 
NOTE: Although this table provides some benefits towards Private Hospital accommodation charges, it is recommended only for those who elect to be admitted as a private patient with their own doctor in a public hospital .
Members who require cover towards the costs of hospitalisation in Private Hospitals should consider the additional benefits paid from Top Hospital Cover.
For Services in PUBLIC HOSPITALS - this product provides a benefit for shared room accommodation up to the level prescribed by the Federal Minister for Health, when admitted as a chargeable patient i.e. where you have elected to be treated as a private patient where medical services are rendered by a doctor of your own choice.
For Services in PRIVATE HOSPITALS - benefits vary according to patient classification. Patient classification is based on the nature of the illness.
Benefits paid to private hospitals are in accordance with the relevent benefits as determined by the Federal Minister for Health.
Further information concerning benefits payable can be obtained from our office.
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| Medical Gap Benefits |
| Benefits are payable covering the difference between the Medicare Benefits Schedule (MBS) fee and the benefit received from Medicare for professional services for admitted patients in hospital or patients in a registered Day Hospital Facility.
Where Doctors participate in the Australian Health Service Alliance Access GAP Cover Scheme, members will have no co-payment, or a known co-payment. |
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| Nursing Home Type Patients |
| Unless a doctor certifies otherwise, patients in hospital in excess of 35 days continuously are regarded as Nursing Home Type patients. Nursing Home Type Patients are required by legislation to pay part of the daily accommodation charge as approved by the Federal Minister for Health. |
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| Same Day Patients |
| Benefits are payable towards the cost of same day treatment in public and private hospitals and registered free standing day hospital facilities. |
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| Surgically Implanted Prostheses |
| Benefits are payable up to the negotiated fee for prostheses. |
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| Ambulance (NSW and ACT only): |
Free Ambulance Services are available for members with hospital cover who live in NSW and the ACT. Members outside NSW and the ACT should refer to the Ancillary Benefit Table.
Ancillary Only Members in NSW and ACT without hospital cover should check with the fund for Ambulance Cover options. |
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| These tables show Public Hosptal Rates only. For all rate schedules on a single page, including product combinations, see the Rates Page. |
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| Family Contribution Rates from 1st April 2008 |
| Note that these tables do not include Lifetime Health Cover loadings for people over the age of 30. Contact the Fund for specific details.
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| FAMILY after Rebate |
Code |
Weekly |
Monthly |
Quarterly |
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| Public Hospital |
FH |
23.80 |
103.45 |
310.40 |
| Public Hospital & Ancillary |
FHA |
40.45 |
175.80 |
527.55 |
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The Federal Government 30% Rebate on Private Health Insurance is available to all private health fund members eligible for Medicare and is not means tested. We recommend you register to participate in the 30% Contribution Reduction scheme. Download an Application Form or phone Phoenix. For Memberships with individuals aged 65 to 69 the Rebate is 35%; for Memberships with individuals aged 70 and over, the Rebate is 40%. To determine the Rates after these higher Rebates, please contact the Fund.
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| This table shows rates after the 30% Rebate only. For full rates, see the Rates Page. |
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| Single Contribution Rates from 1st April 2008 |
| Note that these tables do not include Lifetime Health Cover loadings for people over the age of 30. Contact the Fund for specific details.
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| SINGLE after Rebate |
Code |
Weekly |
Monthly |
Quarterly |
  |
| Public Hospital |
SH |
11.90 |
51.70 |
155.15 |
| Public Hospital & Ancillary |
SHA |
20.20 |
87.90 |
263.75 |
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The Federal Government 30% Rebate on Private Health Insurance is available to all private health fund members eligible for Medicare and is not means tested. We recommend you register to participate in the 30% Contribution Reduction scheme. Download an Application Form or phone Phoenix. For Memberships with individuals aged 65 to 69 the Rebate is 35%; for Memberships with individuals aged 70 and over, the Rebate is 40%. To determine the Rates after these higher Rebates, please contact the Fund.
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| This table shows rates after the 30% Rebate only. For full rates, see the Rates Page. |
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