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Home > Health Insurance > Hospital, Extras or Combination cover

Hospital, Extras or both?

  Health Cover
The first thing to decide is what kind of hospital care and everyday treatments you think you'll need cover for.

Combination cover


Combination cover lets you choose how you want to look after your health.

Plus you'll be covered against the unexpected.

arrow LifeChoice Plus™ (with nil or $250 excess)
arrow LifeChoice™ (with nil or $250 excess)
arrow Smart Combination (with $250 or $500 excess)
arrow Smart Start® (with $100 excess)

Hospital cover


Hospital cover means you can expect to be looked after as a private patient when you need hospital cover.

It can also exempt you from paying out more money in tax because of the Medicare Levy Surchange.

arrow Comprehensive Hospital (with nil, $250 or $500 excess)
arrow Non-obstetric Hospital (with $250 or $500 excess)
arrow Hospital Essentials with $75 per day co-payment and $500 Excess
arrow Basic Hospital

Extras cover


Extras cover gives you the option to enjoy benefits on everything from dental care to a range of natural therapies.

Choosing your extras cover separately gives you the freedom to create a hospital and extras package that suits you perfectly.

arrow Super Extras
arrow Harmony Natural Therapies
arrow Comprehensive Extras
arrow Basic Extras

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