Many of these questions can be answered here. If you have a specfic question regarding your own policy contact us online or alternatively call us on 13 50 50, we are available 24 hours a day 7 days a week.
Hospital Cover helps pay for the cost of treatment, accommodation, medication and medical procedures when you're admitted to hospital as a private patient.
Extras Cover is for health services that may not be covered by Medicare, such as physiotherapy, dental and optical. It does not include access to hospital.
In Australia, Medicare provides health care for citizens and permanent residents. By taking out private health insurance you can get more health care options, increased peace of mind, and it may even help you access certain tax exemptions.
A pre-existing condition is an ailment, illness or condition where, in the opinion of a medical practitioner appointed by the insurer (not your own doctor), the signs or symptoms of a condition existed during the six months before you first joined hospital cover or upgraded to a higher level of hospital cover.