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What is hospital cover? 

Hospital cover helps pay the bills when you’re admitted to hospital. The amount you’ll be covered for depends on the level of insurance you have. When you sign up for private health insurance it’s totally up to you what cover you choose. You’ve got the freedom to pick the right policy that’ll cover what’s most important to you.

Why get hospital cover? 

With Medicare covering some of the costs of medical treatment it’s normal to weigh up whether health insurance  is right for you. Not only can health insurance give you more choice, you can enjoy added comfort and save on government surcharges too. 

  • Be treated in private hospitals.  
  • Avoid public waiting lists.
  • Choose the timing of your treatment.
  • Have the choice of surgeon or specialist.
  • Opportunity to recover in a private room.
  • Avoid the Lifetime Health Cover (LHC) loading.
  • Avoid the Medicare Levy Surcharge penalty.
  • Get the Australian Government Rebate.
  • Option to include extras so you save on everyday treatments.

Levels of hospital cover

Health insurance policies are suited for Queenslanders of all shapes and sizes. The cover you choose will depend on several factors, including what you want covered, your goals and your budget. We’ve broken down three tiers of health insurance to help you choose the cover that’s right for you.

Basic hospital

Young, fit and healthy? Accident or basic hospital policies cover Queenslanders that want protection for those unexpected illnesses. Basic hospital insurance provides cost-effective cover in the case of an accident or emergency.

Mid hospital

When you want a bit more cover than just the basics, mid hospital can help. You'll be covered for common treatments but save with lower monthly premiums.

Top hospital

When you need to know you and your loved ones are covered, choose comprehensive or top hospital cover. Both provide our highest levels of hospital cover, with top hospital also including IVF and pregnancy care too. You’ve got the freedom to choose a policy that suits whether you’re an established or growing family.

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What's covered under a hospital policy?

What you’re covered for all depends on what policy you’ve chosen – just check your RACQ Health Insurance Member Guide. If you pay a bit extra you’ll usually have more protection, but if you’re healthy you can save money just getting the basics. When you’re signing up for cover it’s worth reading our Member Guide and the Fact Sheet for the policy you’ve joined to see what you’re covered for. If you’re after cover for dentist visits, physiotherapy or other out of hospital treatments – you can! You’ll just need to choose a combined hospital with extras policy.

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RACQ Health Insurance is issued by MO Health Pty Ltd ABN 32 611 323 034, a registered private health insurer, trading as RACQ Health Insurance, for which RACQ Operations Pty Ltd ABN 80 009 663 414 receives commission. RACQ Health Insurance lets you claim 100% back on optical up to annual limit from any recognised provider, after a six month waiting period. RACQ Health Insurance pays up to 70% back on all claims from recognised practitioners up to annual limits, waiting periods apply. Conditions, limits and exclusions apply. Please see the Product Fact Sheet for further details or contact us for a copy.

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