Mid Hospital

Mid Hospital
Basic +

Your Cover





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

Change your cover or compare

Mid Hospital Basic +

Cover for everyday health needs

Mid Hospital doesn’t exclude any services – instead you’ll get restricted (or limited) cover for expensive things like pregnancy and birth and joint replacements. 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.


Not Covered

Scope of cover

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

Important info

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

Restricted services

Specialists’ costs

You can choose your doctor and if they agree to treat you under the Access Gap Cover scheme you’ll be, all or mostly, covered for their fee. It’s the same for any other specialists involved in your hospital care, like an anaesthetist or assistant surgeon.

Hospital costs

Your out-of-pocket hospital expenses will depend on which type of hospital you go to (public or private), and how much that hospital charges private patients for the service.

Learn more about restricted services.

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
Pregnancy & birth related services 9 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 25.

Hospital cover
Hospital cover

See more cover options.

Extras cover
Extras cover

See more cover options.