Levels of cover
What level of cover is right for me?
Making health cover plans, but not sure which level of health insurance you need? Let us help you decide what’s most suitable for you.
Top level of cover
If you want the highest level of private health cover, top level health insurance is for you.
Features:
- Comprehensive hospital cover with no exclusions on treatments such as pregnancy (childbirth) or hip or knee replacements
- Extras cover with maximum benefits for a broad range of extras services.
Suitable for:
- People of all ages wanting the best level of cover available as part of their health cover plans. Suitable level of health insurance if you have children.
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Medium level of cover
If you want a good level of private health cover for the most commonly used services, this could be for you.
Features:
- Security of hospital cover, but you don’t pay for benefits you’re unlikely to need until later in life
- Extras cover with good benefits for commonly used health services.
Suitable for:
- Suitable level of health insurance for those wanting cover for a range of services for peace of mind. Also suitable cover for families, as well as for those who or are looking to start a family and are making health cover plans.
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Basic level of cover
If you want the security of private health cover for the essentials. We have basic covers to suit families and packaged options for young couples and singles.
Level of cover:
- Hospital cover for services you’re most likely to use, or cover in case of an accident or emergency
- Basic hospital cover to avoid the Medicare Levy Surcharge.
Suitable for:
- People on a budget. If you are looking to avoid the Medicare Levy Surcharge or are healthy, young and not wanting to have children within the next year, then one of our Basic level covers could suit your health cover plans.
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