Surgical cover
Private hospital admission and the surgeon's bill for planned procedures.
Treatment measured in weeks, not waiting lists
HEALTH
Treatment measured in weeks, not waiting lists.
Health cover pays for private medical treatment: the surgery, the specialist and the diagnostics that would otherwise sit in a queue. It is the policy families claim on most often, and the one whose value is easiest to feel.
Talk to an Adviser
What’s covered
The four that carry the weight
Specialists and diagnostics
Consultations, scans and tests, so a diagnosis does not take months.
Cancer treatment
Access to treatments and drugs beyond what the public system will fund.
Excess and premiums
Where lifting the excess buys a materially better price for the same cover.
How it works
How cover gets arranged
-
01
Pre-approval
Before treatment, we confirm with the insurer what is covered, so there are no surprises afterwards.
-
02
Specialist and hospital
You choose, book, and are treated privately at a time that suits.
-
03
Direct settlement
In most cases the insurer settles with the provider, so you are not out of pocket.
-
04
Follow-up
Ongoing treatment and reviews covered under the same claim where they relate.
How a health claim is handled
- The excess you choose
- Whether specialists and diagnostics are included
- Whether non-funded cancer treatment is added
- Any exclusions from your medical history
- Whether pre-existing conditions are covered after a stand-down
Health cover buys exactly one thing: time. Whether that matters depends entirely on what you are waiting for.
Questions we get asked
Health, answered
Pre-existing conditions at the time you apply are the main exclusion, along with cosmetic work and anything an emergency department would handle.
Usually yes. Lifting the excess often reduces the premium considerably, and health cover is there for the large bills rather than the small ones.
Only if you add that module. Surgical-only cover is cheaper, but leaves the consultation and diagnostic costs with you.
Yes, and children are typically inexpensive to include on a parent policy.
Also worth a look
