Understanding Your Cover

What does it mean when a product is open or closed?

Some of our products are new and available to the public to purchase. These are called open products. Some of our other products are closed to the public for sale, as they are old products which we no longer sell. These are called closed products.

Below you will find a copy of all our Cover Guides, which our members may need to access. Reviewing your cover is easy. Please call our team to re-assess your needs against our available covers.

Hospital Cover Guides

Gold Optimum $750 Excess (Open Product)

Optimum Hospital removes the guesswork from choosing Hospital cover. True peace of mind comes from knowing that you are covered for everything we are able to cover.

Gold Optimum $500 Excess (Closed Product)

Optimum Hospital removes the guesswork from choosing Hospital cover. True peace of mind comes from knowing that you are covered for everything we are able to cover.

Gold Ultimate Hospital (Closed Product)

No exclusions or restrictions; if Medicare pays a benefit on the procedure you are having in hospital, so does Gold Premium Hospital.

Silver Plus Assure Hospital No Pregnancy (Open Product)

A comprehensive everyday level of cover that suits most people's needs unless you require pregnancy and birth, assisted reproductive services or weight loss surgery.

Silver Plus Advantage Hospital (Closed Product)

A smart choice to make for those who want that ‘Premium Hospital peace of mind’ (but don’t mind having a small number of exclusions/restrictions to keep the cost down).

Silver Plus Standard Hospital (Open Product)

An affordable hospital cover option that covers some common procedures (including heart and vascular).

Bronze Plus Classic Hospital (Closed Product)

If you don’t have any serious health issues, and you are keeping an eye on your budget, this is a good mid-level cover for singles, couples, and families that don’t wish to expand.

Bronze Plus Essential Hospital (Open Product)

Well suited to young people taking out hospital cover for the first time, who don’t have any specific health issues or concerns however wants more than just the basics.

Bronze Plus Everyday Hospital (Closed Product)

If you don’t have any serious health issues, and you are keeping an eye on your budget, this is a good mid-level cover for healthy singles, couples and families with no plans to expand.

Bronze Plus Core Hospital (Closed Product)

If you’re young, fit and healthy, this is a great introductory level cover at a budget-friendly price. Avoid paying for the high cost services that young people just aren’t likely to need.

Basic Plus Public Hospital (Closed Product)

Basic Plus Public Hospital is great for people who don’t need or want to be covered in a private hospital, but do value the ability to choose their own doctor in a public hospital.

Bronze Plus Essential Hospital and Combined Extras (Closed Product)

Bronze Plus Essential Hospital is available in $350 or $700 excess options. You’ll pay your excess directly to the hospital. They’ll let you know when you need to pay it. You don’t pay any excess for dependents on your membership under the age of 22. 

Basic Plus Starter Hospital (Open Product)

Basic Plus Starter Hospital is well suited to young people taking out hospital cover for the first time, who don’t have any specific health issues or concerns.

Extras Cover Guides

Top Extras (Open Product)

This is our top-level extras. It is a great cover for people who are high users of particular healthcare treatments or services. It's also our only extras cover with benefits for orthodontics – the ideal choice for families with growing smiles.

Smart Extras (Open Product)

Smart Extras excludes cover for orthodontic treatment and is ideal for singles, couples or families. Its benefits are only slightly lower than our top extras offers, and most annual benefits limits are available 'per membership' rather than 'per person'.

Value Extras (Open Product)

Value Extras is an ideal starter cover for those who only use the occasional extra healthcare services. This one leaves out orthodontics and major dental, but includes great general dental and a range of the most commonly used specialist and alternative therapies.

Fit & Healthy Extras (Closed Product)

Part of a combined Hospital and Extras package, this is an affordable level of cover which is ideal for young singles and couples who just want to cover the basics each year.

Deluxe Extras (Closed Product)

Want extra Extras? Our deluxe-level Extras cover offers high limits on a wide range of the most popular services, including optical, dental and physio. The best option for singles, couples and growing families who expect to be high claimers. 

Healthy Choice Extras (Closed Product)

Just want to cover the basics each year? This is an affordable level of cover, ideal for young singles and couples.

Bronze Plus Essential Hospital and Combined Extras (Closed Product)

Bronze Plus Essential Hospital is available in $350 or $700 excess options. You’ll pay your excess directly to the hospital. They’ll let you know when you need to pay it. You don’t pay any excess for dependents on your membership under the age of 22.