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Hospital Exclusions

What is an exclusion?

An exclusion on your hospital cover basically means that you’re not covered for that type of service. If you choose to be admitted privately at any hospital for an excluded service, you will be responsible for the total cost of your stay and treatment apart from what Medicare will contribute.

What if I am having multiple procedures and only one of them is excluded?

In this (thankfully) rare situation, the entire admission will not be covered.

What are my options if I need to be treated for an excluded service?

If you need to go to hospital for an excluded service you should talk to your doctor about your various options including being treated as a public patient.

What are my exclusions?
You can click the link below to check your specific policy, however every hospital cover that we sell excludes services for which no medicare benefit is payable. Notable items that fall under this banner include purely elective cosmetic surgeries and laser eye surgery. Medicare does however pay for literally thousands of other procedures so this shouldn’t be cause for concern!

Cosmetic Surgery

Please note that depending on the level of hospital cover you have with, you may have exclusions for cosmetic surgery or limited benefits may apply for cosmetic surgery procedures (medical services which are not clinically necessary, or surgery solely for cosmetic reasons).

Want to check what you’re covered for? Check your policy details here

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