To support members, coverage has been expanded for chest, lung, kidney or other treatment related to COVID-19 across all levels of Hospital cover at no additional cost. You'll just need to have served the standard two-month waiting period before requiring treatment. Along with other health insurers across Australia, any treatment for COVID-19 as an outpatient that is covered by Medicare will not be covered by Apia Health Insurance. To review your level of cover, log in to your Apia Health Online Services Account or call us on 13 50 50.