What is a hospital excess?

An excess is the amount selected on a hospital insurance policy which the primary member agrees to pay for an overnight hospital stay before a benefit will be payable from HIF. Essentially, applying an excess now helps to reduce your premiums in the long-term, so if you're healthy and don't expect to need hospital treatment in the near future, applying an excess to your Hospital Cover is a smart choice.

When will I have to pay an excess?

If you choose Hospital Cover with an excess, you'll only have to pay it upon admission to hospital, and only once per calendar year (even if you have multiple admissions in the same year). Use the table below to see which excess rules apply to your cover.

Hospital coverSame-day admissionsOvernight admissionsDependants under 18Per-person excess
Basic Plusn/a$500
Bronzen/a$200
Bronze Plusn/a$200
Silver$200
Silver Plus No Maternity Comboxn/a$500
Goldxx

Choose from:
$0
$100
$200
$400

Gold StarxxChoose from:
$0
$200
$400
$500

More Information

Choose an optional excess with Gold and Gold Star Hospital Cover.

With our top two levels of cover, Gold and Gold Star, you can choose from a range of optional excesses in order to reduce your overall premiums.

For Gold, you may choose from:

  • $0 (no excess)
  • $100 per person to a max of $200 ($100/$200)
  • $200 per person to a max of $400 ($200/$400)
  • $400 per person to a max of $800 ($400/$800)

 For Gold Star, you may choose from:

  • $0 (no excess)
  • $200 per person to a max of $400 ($200/$400)
  • $400 per person to a max of $800 ($400/$800)
  • $500 per person to a max of $1000 ($500/$1000)

Important, please note: Excesses only apply to overnight stays on our Gold and Gold Star Hospital products. Excesses do not apply for same-day surgery or for dependents under the age of 18. Excesses are paid once per-person per-admission, covered under the policy in a calendar year up to the maximum. 

Excess for our other Hospital Covers.

For our four lower levels of cover, a standard excess will apply to your policy. These are:

  • Basic Plus - a $500 excess applies per-person, per-admission (up to a maximum of $1000 per year). 
  • Bronze - a $200 excess applies per-person, per-admission to a maximum of $400 per year ($200/$400). 
  • Bronze Plus - a $200 excess applies per-person, per-admission to a maximum of $400 per year ($200/$400). 
  • Silver  - a $200 excess applies per-person, per-admission to a maximum of $400 per year ($200/$400). 

Important, please note: Excesses apply to overnight and same-day admissions for Vital, Bronze, Bronze Plus and Silver Hospital products. Excesses are paid once per-person per-admission, covered under the policy in a calendar year up to the maximum.


For further information on our popular Hospital Cover options, including product inclusions, exclusions, excesses, restrictions, waiting periods, the pre-existing condition rule, co-payments, FAQs and other important information, please download a copy of our Health Cover Guide.