Transport health - Top Cover - Packages

Which plan is
right for you?

Select a plan below
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Hospital Cover Plans

Extra Cover Plans

Combined Cover Plans

Family by Design (with Excess)

Family by Design (with Co-payment)

Top Cover

Top Cover is a premium level of private Hospital cover

Hospital cover is a type of health insurance which covers a member for the cost of treatment in hospital, should they require it.The price of hospital

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and will cover you up to 100% of the costs for being a private patient in both private and public hospitals. Top Cover is designed for those with more complex or unpredictable health needs, or those wanting to be prepared for the unexpected. Top cover includes cover for things like cardiac and coronary care, hip and knee replacements, major eye surgery, and obstetric related and Assisted reproductive services

Assisted reproductive services includes, but is not limited to:IVFGIFTVasectomy and reversalsSterialisation

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Choose cover type:

From

a month for Single

Rate is inclusive of the 30% Private Health Insurance Rebate, before the application of Lifetime Health Cover loading (where applicable).

summary

Advantages		Excludes
Exempts you from Medicare surcharge levy The medicare surcharge levy is a taxation penalty of an additional 1% applied to those with a taxable income of over $80,000 ($160,000 more...		No Exclusions An excluded service is one on which benefits will not be paid by Transport Health.Transport Health does not pay benefits for hospital treatment of any more...
Provides comprehensive Hospital cover Hospital cover is a type of health insurance which covers a member for the cost of treatment in hospital, should they require it.The price of hospital more...

Benefits

Include		NOT Covered
Emergency ambulance transportation Ambulance benefits are payable for recognised emergency ambulance transport. Ambulance transport is covered in full except in the following circumstan more...	Eye surgery (including cataract)	No Exclusions An excluded service is one on which benefits will not be paid by Transport Health.Transport Health does not pay benefits for hospital treatment of any more...
Accommodation private & shared room	Lap-band surgery
Operating theatre	Palliative care
Same day surgery	In hospital boarder accomodation
Intensive care	Joint replacements
Access Gap When you are treated by your Doctor in hospital, Medicare pays 75% of the Government Schedule fee and Transport Health pays the remaini more... cover	CPAP CPAP stands for "Continuous Positive Airway Pressure". Benefits can only be claimed from either a hospital or extras table but not from both. Benefits more... machine
Pregnancy & birth-related services Pregnancy and related services includes, but is not limited to, antenatal and postnatal care and management of labour and delivery. more...	Psychiatric
Assisted reproductive services (IVF / GIFT Stands for in gamete intrafallopian transfer, which is when a mixture of sperm and eggs are placed directly into the fallopian tuves using laparoscopy more... and vasectomy)	Rehabilitation
Gynaecological treatment in hospital	Cardiac treatment and coronary care

Details

Hospital

Top Hospital Cover provides accommodation in a contracted private hospital together with theatre fees and other associated hospital costs.

Medical

You are covered 100% up to the Medicare

Medicare is the Australian Government's universal health insurance scheme, which covers all eligible citizens and residents for hospital treatment in

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Benefits Schedule Fee for inpatient medical treatment. Where the doctor participates in our access gap cover, your out-of-pocket costs will be reduced or eliminated. You are also covered as a private patient in a public hospital.

Maximum benefits

In hospital boarder accommodation: $120 maximum benefit per calendar year.
CPAP
CPAP stands for "Continuous Positive Airway Pressure". Benefits can only be claimed from either a hospital or extras table but not from both. Benefits
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machine: $750 maximum benefit per person per calendar year.

Top Cover

Top Cover is a premium level of private Hospital cover

Hospital cover is a type of health insurance which covers a member for the cost of treatment in hospital, should they require it.The price of hospital

more...

Assisted reproductive services includes, but is not limited to:IVFGIFTVasectomy and reversalsSterialisation

more...

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