What is hospital cover?

Hospital cover provides you benefits when you are treated as an admitted private inpatient in a contracted hospital or contracted day-only facility, if your policy covers the procedure.

Inpatient vs outpatient

When determining what services may be covered under your chosen hospital cover, it is important to understand whether you received those medical services as an ‘inpatient’ or ‘outpatient’.

Hospital cover provides benefits only when you receive treatment as an inpatient in a hospital or day-only facility and only if your chosen hospital policy covers the procedure.

You are an inpatient when you are admitted into a hospital or day-only facility to receive medical treatment and care.

According to the Private Health Insurance Act of 1973 (Cth) Section 3, an inpatient, in relation to a hospital, does not include:

  • a member of the staff of the hospital who is receiving treatment in his or her own quarters
  • a newly-born child whose mother also occupies a bed in the hospital (a newly-born child is regarded as a child nine days old or less - however, a newly-born child who occupies an approved bed in an intensive care facility in a hospital shall be deemed an inpatient of the hospital)

Further, according to the Private Health Insurance Business Rules 2017 (Cth), inpatient treatments do not include:

  • treatment provided to a person at an emergency department of a hospital
  • other treatments that do not meet the requirements of the Private Health Insurance (Benefit Requirements) Rules such as procedures the Commonwealth has identified as ordinarily not requiring an inpatient admission

Services provided outside of the hospital admission such as visits to a general practitioner or specialists are known as outpatient services and are not covered by your hospital cover. You may be able to claim a rebate from Medicare for outpatient services.

With all our levels of hospital cover, the hospital may ask you for payment on admission and/or discharge and you will be responsible for these expenses, if your hospital stay involved:

  • the payment of an excess
  • any personal expenses such as telephone calls or newspapers
  • take home prescribed medication
  • non health-related charges applied by the hospital

If you are in hospital continuously for more than 35 days, you can expect to pay part of the cost of your hospital accommodation, unless you are an acute care patient.

What is extras cover?

Extras cover includes healthcare services not covered by Medicare such as dental, optical and physiotherapy.

Depending on your level of cover, we pay benefits on a wide range of services and treatments including:

  • general dental
  • major dental
  • optical appliances
  • remedial massage
  • myotherapy  
  • physiotherapy
  • mental health
  • health management
  • pregnancy care
  • audiology

Our extras benefits are paid per calendar year, except for optical, orthodontic and aids/appliances benefits.


Ambulance cover

All our hospital products cover you for ambulance nationwide*, whether it’s for an emergency or otherwise medically necessary, including when;

  • an ambulance is called to attend but you are not subsequently taken to hospital
  • it is medically necessary for you to be transported by an ambulance to be admitted to hospital
  • you need immediate medical attention at a hospital or other approved facility
  • you are an admitted patient and need to be transferred to another hospital

*Doctors' Health Fund does not pay ambulance cover where a State or Commonwealth scheme provides a benefit.

Waiting periods and pre-existing conditions

Waiting periods apply when you’re new to private health insurance, you upgrade your cover to include services that weren’t covered before, or you switch health funds and increase your cover to include services that weren’t covered before.

If you are switching from comparable benefits and conditions, you may not need to re-serve waiting periods for those previously covered and served.

  • Pre-existing conditions* - 12 months  
  • Pregnancy & birth related services - 12 month
  • Psychiatric, rehabilitation and palliative care - 2 months  
  • All other hospital services - 2 months
  • Ambulance - 1 day
  • Accidents - No waiting period

*A pre-existing condition is an illness, ailment or condition where the signs or symptoms of which, in the opinion of a medical practitioner appointed by Doctors’ Health Fund, existed at any time during the six months before taking out private health insurance or transferring to a higher level of cover. This rule applies to new members to private health insurance and existing members who are upgrading their level of cover.

The only person authorised to decide that an ailment is pre-existing is the medical practitioner appointed by Doctors’ Health Fund. The fund medical practitioner must, however, consider any information regarding signs and symptoms provided by your treating medical practitioner(s).

If you are a new member of private health insurance, you will have to wait 12 months before you can receive benefits for items or services related to a pre-existing condition. If you change to a higher level of cover, you may have to wait 12 months to receive benefits, including benefits for services not previously covered. A 12-month waiting period applies to all pre-existing conditions except, palliative care and rehabilitation, which have a two month waiting period.

How are waiting periods applied when transferring?

If you have transferred from another health fund, we request a transfer certificate from them which details your previous cover.

You should note that if you are switching from comparable benefits and conditions, you may not need to re-serve waiting periods for those previously covered and served.

We will contact you once we have received the transfer certificate, which can take up to 10 business days.

Inclusions, restrictions and exclusions

Please ensure that you understand whether or not inclusions, restrictions or exclusions apply to your chosen level of cover. Here's a quick explanation what they mean:

Inclusions – this is the most comprehensive benefit we offer, providing you with access to one of the largest networks of contracted private hospitals. You will have the freedom to choose single or shared rooms, your choice of doctor and more. You will also be eligible to access benefits towards your medical bills.

Restrictions – sometimes referred to as minimum benefits, we will provide a limited benefit for these treatments. Whilst you can be treated in any hospital, the benefit available is equivalent to a shared room in a public hospital. If receiving a private room, or treatment in a private hospital, you may have to make a significant contribution to the hospital bills. You will also be eligible to access benefits towards your medical bills.

Exclusions – when a service is excluded, there is no benefit entitlement. This means you will be responsible for the payment of all medical and hospital bills, which could run into the thousands. You should discuss treatment options with your clinical team, such as being treated as a public patient.


This is the amount you agree to pay before your health insurance starts to pay for your hospital costs. Excess is paid per admission up to the yearly excess you have chosen. Consider whether you will be able to manage the cost of the excess if you go to hospital. An excess on health insurance will reduce its cost.

Your excess (if you have one) will vary depending on your cover. If you have an excess, it will apply to same day procedures as well as overnight admissions. If you are unsure how your excess applies please give us a call on 1800 226 126.

Planning for a baby?

If you are planning to have children, you should check that your hospital cover includes obstetrics. This refers to the inpatient services associated with pregnancy and the birth of a baby.

All our hospital covers have a 12-month waiting period for making claims for all inpatient services related to an obstetrics admission unless you are switching from another fund to a comparable cover with us and have already served your waiting period.

You will need to contact Doctors’ Health Fund to add each child to your membership within two months from the date of their birth. This also means moving to a family membership if you are not already on that level of cover. This will ensure your child does not need to serve any waiting periods.

What is the gap?

The gap is the difference between the fee charged by the hospital or the amount the doctor charges for services in hospital, and the amount covered by Medicare and your private health insurer. It is the out-of-pocket expenses you may pay for your treatment.

Read more about the gap here.

Government initiatives

The Australian Government has a range of initiatives and programs to encourage Australians to protect themselves with private health insurance.

Read more government initiatives here.

Youth discount

The age-based discount introduced by the Australian Government allows insurers to offer a discount on hospital cover to members under the age of 30. The introduction of this initiative recognises the importance of private health cover for young people and aims to provide people within this age bracket cover that is more affordable.

The discount allowable is between 2% and 10% per annum; depending on when a person purchases health insurance between the age of 18 and 30. The age-based discount applies until the members turn 41, after which it reduces at 2% per annum until they are 45 years old.

The table below outlines the discount applicable based on your age. It is determined by the age you are on 1 April 2019 or your age when you take out cover for the first time after 1 April 2019.

Youth discount

For more information, visit doctorshealthfund.com/youth-discount