Please note: In addition to the exclusions listed in the table above, there's a few other situations where you won't be covered by HIF:

The following services are not covered under any of our Hospital policies:

Any treatment, service, pharmaceutical item or device, or circumstances of provision which is:

- Not approved for payment by Medicare or the Therapeutic Goods Administration (TGA)
- Does not meet the requirements or standards legislated under the Private Health Insurance Act (2007), including in-hospital services such as high cost drugs, experimental drugs, procedures, Medical Devices and Human Tissue Products and technologies
Any treatment or service provided as an outpatient (i.e. when you’re not admitted as an inpatient) or where you’re not being treated by an approved hospital substitute service
Charges raised by your dentist for dental surgery in hospital. If you wish to claim a benefit towards the dentist’s fees you’ll need to hold Extras Cover
Any treatment or service provided outside Australia
Any treatment or service for a patient who’s not eligible for Medicare benefits for example, cosmetic surgery
Any treatment or service where a patient has the right to claim costs from a third party (e.g. another private health insurer, Workers’ Compensation or motor vehicle insurance)
Any treatment or services by a provider who is not recognised by HIF
Respite care.

Learn more about Hospital cover with these knowledge base articles:

Navigation