As part of the private health insurance reforms, all health funds have to align their hospital products to new Standard Clinical Categories and Gold/Silver/Bronze/Basic product tiers.
Each Standard Clinical Category has a defined list of services that are covered. While most of our Basic Hospital cover directly matched the new categories, in some cases we’ve had to add or remove services to fit the new structure.
- Where financially viable, we’ve increased cover for some services.
- In the case where premiums would be significantly impacted, we’ve decreased cover.
- We’ve also addressed the issue of affordability by removing cover for insulin pumps, which has a costly impact on premiums each year.
- We’re required to include the new product tier in the name. As this product exceeds the minimum requirement for the ‘Basic’ tier, it’ll now be called Basic Hospital (Basic Plus).
Basic Hospital Basic +
Scope of cover
Note: Restricted cover – for restricted services provided in a public hospital, we pay for accommodation in a shared room (as long as the hospital doesn’t charge more than the default rate set out by the Federal Government), and medical costs.
What does the Basic Plus tier mean?
‘Plus’ means your cover includes more than the minimum requirement for the Basic tier. Our Basic Hospital, Mid Hospital and Starterpak cover all fit into the Basic Plus tier, but they’re not the same. It’s wise to double check what is and included on your cover from time to time, to make sure it’s still right for you.