Astute Bronze Plus Hospital 250 cover offers private hospital cover, with an excess, for all services except for the restricted services listed where the benefit is limited. The excess will be deducted and then benefit will be paid at the public hospital shared ward room rate if you elect to be treated as a private patient in a public hospital. There is very limited cover in a private hospital for the restricted services listed and therefore, if you do elect to be treated in a private hospital for a restricted service, significant out-of-pocket costs will apply.
No benefit is payable towards excluded services on Astute Bronze Plus Hospital 250.
The excess for adults will apply to both overnight and same-day hospitalisations. The same-day excess will be half the chosen excess up to the maximum product excess. The excess does not apply to children covered by the policy.
Astute Bronze Plus Hospital 250 can be taken as a stand-alone hospital product if you only need hospital cover, or you can tailor your own combined hospital and extras package by combining Astute Bronze Plus Hospital 250 with one of our Extras products.
- Hospital psychiatric services
- Back, neck & spine (including fusion)
- Heart & vascular system
- Podiatric surgery (provided by an accredited podiatric surgeon)
- Pregnancy and birth
- Assisted reproductive services
- Joint replacements
- Dialysis for chronic kidney disease
- Weight loss surgery
- Cosmetic surgery and other surgical procedures not covered by Medicare. (Refer to Membership Conditions 6 & 8)
For information on waiting periods, including pre-existing conditions click here.
For information on exclusions, restrictions and/or excesses refer to our membership conditions.
A full list of the private hospitals and day hospital facilities that are contracted with the underwriter St.LukesHealth is available here.
To find out more about pricing, please click here.