Restricted services

There are three major categories of services in private health insurance: included, excluded or restricted.

restricted services

Member-owned, not-for-profit

We’re proud to be a not-for-profit health fund, driven by the needs of our members to deliver the best possible health insurance.



Restricted services

Understanding which services are restricted in your cover can help you plan more effectively for a hospital stay or medical treatment. Choosing the right hospital can minimise your out-of-pocket expenses.

Restricted services only attract partial benefits, which means you are only partially covered for those treatments or services.

These services or treatments might only attract the public hospital rate or something less than full benefits. They might only be covered if you stay in a public hospital (not a private hospital) as a private patient for the treatment. With restricted services, you may have to pay significant out-of-pocket expenses.