why have hospital cover?

• Choice of specialist/doctor
  Our hospital covers provide you with the option to choose the doctor or specialist you want, giving you greater freedom and choice for your health care.
• Emergency ambulance transport
  All CBHS hospital covers include cover for state emergency ambulance services when transported directly to hospital or treated at the scene due to a medical emergency.
• Access Gap Cover
  Many people admitted to hospital as private patients can find themselves faced with out-of-pocket expenses, or 'gaps'. Access Gap Cover (AGC) is a medical gap cover arrangement designed to minimise or eliminate out-of-pocket expenses for medical procedures conducted in hospitals or day surgery facilities as an admitted patient.
   
• Daily co-payment options to lower your contributions
  You can reduce the cost of your hospital cover by agreeing to pay a daily co-payment of $70 or $100. This means if you are admitted to hospital you will pay the relevant daily co-payment each day that you are hospitalised up to a maximum of 6 days per person, or 12 days per family per calendar year.
   
• Medicare Levy Surcharge
  The Medicare Levy Surcharge is an additional 1% surcharge of taxable income imposed on higher income earners who are eligible for Medicare but do not have  Hospital Cover with a private health insurer.
   
• Access to private hospitals
  We hold agreements with an extensive range of private hospitals and day surgeries. These agreements ensure that certain hospital fees including bed fees, theatre and labour ward fees, intensive and coronary care fees are covered as an admitted patient in hospital, subject to your level of cover.

• Access to public hospitals
  All CBHS hospital covers provide benefits for treatment with your choice of doctor in a public hospital.

related links
	comprehensive hospital For a high level of non-restricted hospital cover for services or treatments, Comprehensive Hospital can provide you with complete peace of mind in case the unexpected arises.
	limited hospital A hospital cover designed for those seeking a sense of security, with some restricted benefits on services and treatments on things you are less likely to need, like pregnancy.
	basic hospital A basic level of hospital cover, designed for those who just want the basics. It is designed for those who want the option of choosing their own doctor or specialist when receiving treatment in a public hospital.