Hospital
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General hospital costs
100% covered for:
- Private or shared room accommodation (subject to availability and the hospital 35 day rule).
- Same day hospitalisation and day surgery
- Intensive/coronary care accommodation
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Theatre fees/labour ward
100% covered
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Drugs supplied
100% covered when related to the reason for admission in hospital and covered under the agreement we have with the hospital. Public hospitals generally supply medication without charge.
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Doctor's fees (for hospital treatment)
At a minimum, we will cover the difference between the Medicare rebate and the Medicare Benefits Schedule (MBS) Fee. If your doctor chooses to use the Access Gap Cover schedule of fees, we can cover up to 100% of the doctor’s Access Gap Cover agreed fee.
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Hospital at home
Police Health has agreements with some hospitals to deliver out-of-hospital care to patients for services such as wound management, intravenous therapy and post-natal care.
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Ambulance
100% covered for emergency transport, clinically required non-emergency transport, and treatment not requiring transport.
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Additional health care services
Benefits are available for aids and appliances and Home Nursing. Call us on 1800 603 603 for clarification.
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Travel and accommodation
Up to $500 per year, per policy (conditions apply).
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Surgical Prosthesis
Prostheses include screws and plates, intraocular lenses, replacement joints, cardiac stents, defibrillators and other devices that are surgically implanted during your stay in hospital. There are many options to choose from, all designed to achieve the same result, but they can vary in cost and comparative benefits. We provide benefits as per the government defined list called the Prostheses List. Visit health.gov.au to find out what is listed on the Prostheses List.
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Examples of Hospital Services by Clinical Category
Gold Hospital when Medicare pays a benefit
Some example services that you’re covered for under Gold Hospital when Medicare pays a benefit are listed below. This is not an exhaustive list. Should you require information about a particular treatment please call us.EXAMPLES OF HOSPITAL SERVICES COVERED BY GOLD HOSPITAL Rehabilitation YES Hospital psychiatric services YES Palliative care YES Brain and nervous system YES Eye YES Ear, nose and throat YES Tonsils, adenoids and grommets YES Bone, joint and muscle YES Joint reconstructions YES Kidney and bladder YES Male reproductive system YES Digestive system YES Hernia and appendix YES Gastrointestinal Endoscopy YES Gynaecology YES Miscarriage and termination of pregnancy YES Chemotherapy, radiotherapy & immunotherapy for cancer YES Pain Management YES Skin YES Breast Surgery (medically necessary) YES Diabetes management YES Heart and vascular system YES Lung and chest YES Blood YES Back, neck and spine YES Plastic and reconstructive surgery (medically necessary) YES Implantation of hearing devices YES Cataracts YES Joint replacement YES Dialysis for chronic kidney failure YES Pregnancy and birth YES Assisted reproductive services YES Weight loss surgery YES Insulin pumps YES Pain management with device YES sleep studies YES *This is not an exhaustive list.
More info on Hospital
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Reasons to choose our hospital cover
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What's covered?
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What isn't covered?
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What does no exclusions and restrictions mean?
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What does no excess or co-payments mean?
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Are there any Benefit limitation periods?
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Waiting periods
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Pre-existing conditions
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Hospital 35-day rule
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Access Gap Cover (when admitted to hospital)
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Thinking about having a baby?
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Understanding Medicare
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The Australian Government Rebate
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Lifetime Health Cover (LHC) Loading
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Medicare Levy Surcharge (MLS)
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Hospital Contract