Find out what our hospital cover means for you and your family.
Emergency Services Health specialises only in gold tier hospital cover - to give you complete peace of mind because we believe that anything less would be a disservice to you.
Covering much more than the 38 mandated clinical categories, our Gold Hospital product provides cover for treatment in any recognised hospital or day-surgery (public or private) anywhere in Australia. It is designed to give you and your family more freedom of choice in your hospital care.
Additional treatment items included in our Gold Hospital cover
> Home Nursing*
> Aids and Appliances*
> Hospital at Home*
> Antenatal Education*
> Travel & Accommodation*
* Providers must be recognised by Emergency Services Health. Services may be subject to waiting periods and other conditions.
When comparing apples with apples, we're generally cheaper than other insurers when it comes to gold tier hospital cover
We strive to take the question and confusion from hospital cover as we want our members to feel the complete peace-of-mind when being admitted to hospital. Rather than worrying if the procedure is excluded from their policy, if they're required to pay an excess to the hospital or if they're going to be left with a hefty bill, our members are able to simply focus on getting better.
Benefits of our Gold Hospital:
Choose your preferred hospital, doctor or service provider, as long as they’re recognised by us*
No benefit restriction limits*
All in-patient procedures where Medicare pays a benefit†
100% ambulance cover for emergency & clinically required transport or on the spot treatment*
* Providers must be recognised by Emergency Services Health. Services may be subject to waiting periods and other conditions. Refer to our website for an understanding of exclusions, excesses, co-payments and restricted benefits.
† Within the hospital as an inpatient, Emergency Services Health will only pay benefits towards treatment and procedures where Medicare pays a benefit. May be subject to waiting periods and other conditions.
Important things you need to know
On 1 April 2019, the Government's Private Health Insurance Reforms have come into effect for all private health insurers in Australia.
New product tiers of Gold, Silver, Bronze & Basic will define what’s covered by a hospital policy as standard across the industry. This new tiered system is linked to a standardised list of clinical categories which set the minimum standards for the hospital services to be covered under each tier. The move is designed to help make clear what is, and isn’t, covered in a particular policy.
Switching is easy
30 day cooling off period to make sure you’re happy.
Waiting periods already served switch with you.
We'll do the paperwork & contact your insurer.