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Health Insurance explained
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Top Hospital Cover
Comprehensive, excess-free cover
Top Hospital Cover provides cover for your hospital expenses at any participating private hospital or public hospital in our extensive, Australia-wide network.
You'll also have the peace of mind knowing you won't be hit for any excesses or co-payments.
Plus, if you become unemployed, we'll pay your health insurance premium (at the same level of cover) for up to 12 months (Conditions apply).
Ideal for
People who want high level, excess-free hospital cover.
Level of Cover
Hospital
Extras
At a glance
Top level private and public hospital cover
No excess or co-payment
Unemployment cover
See the full policy details for Top Hospital Cover services
Is this the right cover for me?
Answer some questions to find out if this is the right cover for you.
What covers do other people choose?
How does Top Hospital Cover compare?
Compare Top Hospital Cover with other HBA covers
Choose another HBA cover
Hospital Saver Plus - Level 3
Top Hospital Cover
Hospital Saver Plus - Level 4
Hospital Cover with Excess Level 5
Hospital Saver Plus - Nil Excess
Hospital Saver Plus - Level 2
Hospital Cover with Excess
Hospital Cover with Excess Bonus
Hospital Saver
Hospital Cover with Excess Bonus Plus
Hospital Saver Plus - Level 5
What is covered
Hospital
Covered
Hospital expenses
Medical expenses
Special Partner Benefits
Ambulance services
Health subscription refund
Health association subscriptions
Unemployment cover
Baby Care
You could reduce your tax
What are the Waiting Periods?
Hospital
Waiting Period
Initial waiting period
2 Months
Palliative care
2 Months
Psychiatric and rehabilitation
2 Months
Pregnancy (childbirth)
1 Year
Pre-existing ailments, illnesses or conditions for hospital services
1 Year
What does it cost?
Cover
Price
Single
$30.65 per week
Couple
$61.30 per week
Single Parent
$54.45 per week
Single Parent Plus
$67.20 per week
Family
$61.30 per week
Family Plus
$74.05 per week
Prices are for stated memberships only.
Prices include the 30% Federal Government Rebate and do not include any Lifetime Health Cover loading that may apply.