Mid Classic

Mid Classic
Silver +

Your Cover

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* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in . Please note that our prices will increase from 1 April

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Mid Classic Silver +

Broad mid-level cover

Mid Classic includes many of the services you get on Top Hospital. To lower the cost there are a few things you can’t claim for, like pregnancy and birth, joint replacements and weight loss surgery. Your excess options are $300 or $500.

Learn how we help Teachers Health members avoid, or minimise, out-of-pocket expenses for doctors’ costs and hospital bills.

Legend

Covered
Not Covered
Restricted

Scope of cover

Additional Information
Accommodation – shared and private room (where available)
Current
Theatre fees, intensive care fees
Current
Labour ward fees
Current
Shared room
Current
Private room (where available)
Current
Labour ward fees (Mid Classic)
Current

Important info

What you need to know about waiting periods and choosing an excess.

Waiting periods

To keep health insurance fair for everyone, you may need to wait for a while before you can claim. This can happen if you:

  • are new to private health insurance.
  • upgrade your cover to include things that weren’t covered before.
  • upgrade your cover when you join from another health fund.

If you’re switching to Teachers Health from another fund, join us within 60 days to avoid re-serving any applicable waiting periods.

Standard waiting periods:

Pre-existing conditions* 12 months
Psychiatric, rehabilitation and palliative care 2 months
All other hospital services 2 months
Emergency ambulance transport 1 day
Non-emergency ambulance transport 1 day

Choosing an excess

A higher excess can keep your membership costs down. The excess is an agreed amount that you pay directly to the hospital on your admission. You’ll only pay the total excess once per person, per calendar year (if you claim on your Hospital cover that year). There’s no excess for any kids on your cover, if they’re under 21.

Hospital cover
Hospital cover

See more cover options.

Extras cover
Extras cover

See more cover options.