Find an Access Gap Cover Doctor
Access Gap Cover eliminates, or substantially reduces, the out-of-pocket expenses that are part of a hospital stay for people with private health insurance.
We have arrangements with a majority of doctors around Australia where, in most cases, our members will be fully covered for in-hospital medical treatment, or will at least be advised prior to treatment of any gaps that might exist.
You can search for participating doctors by specialist group, doctor name, and locality. You can also call us on 1800 603 603 or your doctor to verify if you will be covered in the Access Gap Scheme before treatment.
Find a Contracted Hospital
We have contracts with most private hospitals that are likely to be accessed by members - over 500 in fact.
These contract agreements (as part of Police Health Limited) ensure that an agreed schedule of fees (including in-patient accommodation, theatre and special unit accommodation fees as appropriate) is charged by the hospital and paid by us on our member's behalf.
If you choose a non-contracted hospital you are likely to incur out-of-pocket expenses for hospital related services irrespective of your level of cover. The amount of out-of-pocket cost will vary, but the hospital will provide you with a quote of the exact costs prior to your treatment as part of seeking Informed Financial Consent from you. If you are uncomfortable with the costs, speak to us and your doctor prior to signing your consent.
A member's benefit entitlements will also be affected by factors such as their level and type of cover and the financial status of their membership. This will affect the amount we will reimburse to the hospital.
We strongly recommend you contact us on [800 603 603 to confirm your benefit entitlement prior to receiving hospital treatment.