| 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 | |
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| Pregnancy and birth | RCP | |
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| 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. |