Combined Hospital and Extras Cover   Health Cover

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CoveredSmart Combination Cover is an affordable health insurance package that provides you, your partner and your family with quality hospital and extras cover. If you need to be hospitalised you have the reassurance of knowing that you or your family will be covered for accommodation and a wide range of treatments in hospital, including basic obstetrics cover. In addition, you will also receive generous benefits on all important extras services.

Smart Combination has an excess of $250 which is payable per admission, to a maximum of twice per calendar year, no matter how many times you go to hospital. If you do not have any admissions to hospital you will not pay any excess.

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Please refer to separate detailed cover facts downloads for full details about benefits, entitlements, yearly maximums and qualifying periods.

Benefits Smart Combination 
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Accommodation in a private or public hospital Covered
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Private hospital accommodation for accidents & day surgery Covered
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Theatre fees Covered
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Obstetrics See Note
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Intensive / coronary care Covered
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Rehabilitation Covered
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Psychiatric Covered
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100% of approved private surgical nursing visits Covered
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Visiting private nurse Covered
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Surgical prostheses (Government approved items) Covered
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Medical Gap Covered
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General dental Covered
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Optical Covered
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Chiropractic Covered
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Osteopathy Covered
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Physiotherapy Covered
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Myotherapy Covered
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Naturopathy Covered
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Acupuncture Covered
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Emergency ambulance transportation Covered
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Travel vaccinations Covered
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First aid course rebate Covered
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Overseas benefit Covered
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Doctor Health Checks Covered
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Quit smoking courses Covered
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Covered as a private patient in a shared room of a public hospital. Not suitable for private hospital Obstetrics.