Top Cover with Co-Payment
Top Cover with Co-Payment is another premium level of private Hospital Cover 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 with Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
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 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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.

By having a Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
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 on your cover, you pay the $100 Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
more...
 amount towards the cost of your overnight hospital treatment, thus allowing you to reduce the premiums you pay. A Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
more...
 of $100 applies per night to a maximum of $500 per person, per calendar year to a maximum of $500 for a single membership or $1000 per family/couple/single parent membership.
Choose cover type:
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Details
Hospital
Top Cover with Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
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 provides accommodation in a contracted private hospital together with theatre fees and other associated hospital costs. The Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
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 of $100 is payable for overnight hospitalisation to a maximum of $500 per person. Couples, single parent families and family covers have a maximum Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
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 of $1000 in any calendar year. The Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
more...
 does not apply to day stays.

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
 

1. Co-payment applies - see Details > Hospital
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Top Cover with Co-Payment

Top Cover with Co-Payment is another premium level of private Hospital Cover 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 with Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
more...
 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
more...
.

By having a Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
more...
 on your cover, you pay the $100 Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
more...
 amount towards the cost of your overnight hospital treatment, thus allowing you to reduce the premiums you pay. A Co-payment
Co-payments under Top Hospital cover are an amount payable by the member and applicable to each hospital admission during a calendar year. Top Hospita
more...
 of $100 applies per night to a maximum of $500 per person, per calendar year to a maximum of $500 for a single membership or $1000 per family/couple/single parent membership.
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