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Find a Doctor - Access Gap Search

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 1300 703 703 or your doctor to verify if you will be covered in the Access Gap Scheme before treatment.

Find an access gap doctor

Find a Contracted Hospital

Emergency Services Health has agreements with most private hospitals that are likely to be accessed by members. These agreements 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 Emergency Services Health on the member’s behalf.

Please note that a member’s benefit entitlements will be affected by factors such as their level and type of cover and the financial status of their membership. This will affect the amount Emergency Services Health will reimburse to the hospital. We strongly recommend if you contact us on 1300 703 703 to confirm your benefit entitlement prior to receiving hospital treatment. If you choose a non-agreement hospital you may incur out-of-pocket expenses for hospital related services irrespective of your level of cover.

Find a contracted hospital

Recognised & Registered Service Providers

While the vast majority of private service providers registered and practicing in Australia will be recognised by us for benefits, not all providers are recognised.
If you wish to ensure your provider is recognised by Emergency Services Health, please contact us prior to treatment.
Phone us on 1300 703 703 or email enquiries@eshealth.com.au


 

Here to help

Helpguide

Non-recognised hospitals

In the unlikely event that we cease to recognise a hospital for full benefits, Emergency Services Health will advise members likely to be affected

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Helpguide

Pharmaceutical benefits

Under extras cover you’re eligible to receive pharmaceutical benefits towards prescription items that are not eligible for subsidy under the Govern

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Helpguide

Benefits limit for Extras

Private health insurers generally calculate an average charge for services and set their benefits based on those amounts.

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Helpguide

Your choice of doctor

We give you freedom to choose.

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Helpguide

Medicare Levy Surcharge (MLS)

Medicare Levy Surcharge (MLS) is a levy you should be aware of. Most Australian taxpayers are charged a 2% Medicare Levy.

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Helpguide

Lifetime Health Cover (LHC) Loading

The Lifetime Health Cover (LHC) Loading is a legislated requirement that encourages you to take out private hospital cover early on in your life.

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Helpguide

The Australian Government Rebate

The Australian Government Rebate on private health insurance (Rebate) is an incentive whereby you’re offered a Rebate on your private health insura

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Helpguide

Understanding Medicare

How much does Medicare cover for out hospital services?

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Helpguide

Thinking about having a baby?

Then it’s a good time for you to review your health insurance and make sure you understand what your policy does and doesn’t cover.

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Helpguide

Access Gap Cover (when admitted to hospital)

Under Emergency Services Health Access Gap Cover you may never have to pay a doctor’s bill.

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View all Helpguides

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