Clinical Category | Basic | Bronze | Silver | Gold |
---|---|---|---|---|
Rehabilitation | R | R | R | |
Hospital psychiatric services | R | R | R | |
Palliative care | R | R | R | |
Brain and nervous system | RCP | |||
Eye (not cataracts) | RCP | |||
Ear, nose and throat | RCP | |||
Tonsils, adenoids and grommets | RCP | |||
Bone, joint and muscle | RCP | |||
Joint reconstructions | RCP | |||
Kidney and bladder | RCP | |||
Male reproductive system | RCP | |||
Digestive system | RCP | |||
Hernia and appendix | RCP | |||
Gastrointestinal endoscopy | RCP | |||
Gynaecology | RCP | |||
Miscarriage and termination of pregnancy | RCP | |||
Chemotherapy, radiotherapy and immunotherapy for cancer | RCP | |||
Pain management | RCP | |||
Skin | RCP | |||
Breast surgery (medically necessary) | RCP | |||
Diabetes management (excluding insulin pumps) | RCP | |||
Heart and vascular system | RCP | |||
Lung and chest | RCP | |||
Blood | RCP | |||
Back, neck and spine | RCP | |||
Plastic and reconstructive surgery (medically necessary) | RCP | |||
Dental surgery | RCP | |||
Podiatric surgery (provided by a registered podiatric surgeon) | RCP | |||
Implantation of hearing devices | RCP | |||
Cataracts | RCP | |||
Joint replacements | RCP | |||
Dialysis for chronic kidney failure | RCP | |||
Pregnancy and birth | RCP | |||
Assisted reproductive services | RCP | |||
Weight loss surgery | RCP | |||
Insulin pumps | RCP | |||
Pain management with device | RCP | |||
Sleep studies | RCP |
Indicates the clinical category is a minimum requirement of the product tier. The clinical category must be covered on an unrestricted basis, covering you as a private patient in a public or private hospital. | |
R | Indicates the clinical category is a minimum requirement of the product tier. The clinical category may be offered on a restricted cover basis in Basic, Bronze and Silver product tiers only. A restricted benefit means you are partially covered for hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital so you should check with your insurer and hospital for details. |
RCP | Restricted cover permitted: indicates the clinical category is not a minimum requirement of the product tier. Insurers may choose to offer these as additional clinical categories on a restricted or unrestricted basis. A restricted benefit means you are partially covered for hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital so you should check with your insurer and hospital for details. |
A blank cell indicates that the clinical category is not a minimum requirement of the product tier. Insurers may choose to offer these as additional clinical categories; however it must be on an unrestricted basis, covering you as a private patient in a public or private hospital, with choice of doctor. |