- Coronavirus FAQ's
- How we're supporting you during coronavirus
- health.com.au with Kieser
- The value of private health insurance in a pandemic
- Adding or removing people from your account
- Authorising another person on your cover
- Cover review
- How do I check my limits?
- Pre-existing conditions
- Suspending your cover
- Updating your details
- What am I covered for?
- Waiting periods explained
- Private health insurance reforms
- Gap in cover
- Emergency Department Fees
- Going to Hospital
- Hospital Added Costs
- Insulin Pumps
- IVF & assisted reproductive services
- LHC exemptions
- Public vs. Private
- Restrictions & Exclusions
- Understanding out of pockets
- What is an excess?
- What is LHC?
- What is the MBS?
- Where does Medicare fit in?
- Transcranial Magnetic Stimulation (TMS) Pilot
- Annual premium review
- Can I lock in my premium?
- I can’t use my cover like I used to...
- What if my cover is currently suspended?
- Where do my premiums go?
- Why does my premium change every year?
- Why does my premium change, if I rarely make claims?
- Why is my price change different to the national average percentage?
- 3 ways to save money on your health insurance.
Hospital Added Costs
Being admitted into private hospital requires you to pay an “excess” on your account. This excess allows you to be covered for a number of things, such as your bed fee, theatre fee, food, care from nurses, and medication given to you whilst you’re staying in hospital.
For example: if you pay a $500 excess and the overall charges for your stay (including everything listed above) is $2400, we’ll cover the $1900 above the excess you’ve paid.
However, there are some services and items that are not covered under your excess. These are typically things that are listed as items you can request, such as a TV (if there isn’t one), additional entertainment services (like Foxtel) or your partner staying overnight with you. Also, medication that is given to you on discharge which you must pick up from the pharmacy before leaving isn’t covered under your excess. You’ll need to claim these under your extras if you have the appropriate pharmaceutical cover.
If you’re unsure whether or not something will be covered during your stay, do make sure to contact us so we can check for you, as it can be a confusing process. If you’re at the hospital and you’re offered a service ,and the hospital is unsure whether it’s covered under their contract with us, advise them to contact us to discuss the service in question. This way, you won’t get any unexpected charges and you’ll know exactly where you stand.