Basic Plus Hospital

Our Basic Plus Hospital product gives you top private Hospital cover for the clinical categories covered, with a $500 excess.

This product provides members with cover for more than the minimum clinical category services for a Basic tier product however it has more exclusions than our Bronze cover options.

The clinical category of hospital psychiatric services is a restricted service meaning the benefit is limited, once the excess is deducted, to 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 for a restricted service in a private hospital.  If you do elect to be treated in a private hospital for the restricted services significant out-of-pocket costs will apply.  Some clinical categories are excluded from cover and therefore no benefit is payable.

You can also combine this product with a stand-alone extras cover to tailor your own combined hospital and extras package.

For our Basic Plus Hospital 500 product, the full excess for adults applies to both same-day and overnight hospitalisations. The excess does not apply to child dependants covered on the policy.

_{For information on waiting periods, including pre-existing conditions, exclusions, restrictions, co-payments and or excesses, visit our membership conditions.}

_{A full list of contracted private hospital and day-hospital facilities contracted with St.LukesHealth can be found here.}

Please note that the premium quoted is indicative and may vary by 5 cents.

Hospital Cover Benefits	Basic Plus Hospital 500
Full cover for hospital accommodation and theatre fees in all contracted private hospitals and day hospital facilities within Australia (medical certification is required after 35 continuous days in hospital).	Yes
Benefits will be paid at no less than the minimum benefit when you elect to be treated as a private patient in all public hospitals within Australia.	Yes
Benefits towards approved surgically implanted prostheses.	Yes
The gap between the Medicare benefit and the Medicare Benefit Schedule (MBS) fee for medical services performed while you are an inpatient in hospital.	Yes
Additional gap cover benefit for medical services provided by practitioners participating in St.LukesHealth Medical Gap.	Yes
Benefits towards uncontracted private hospitals (patient gaps may apply, you should check with St Lukes before being admitted to an uncontracted hospital).	Yes
No waiting periods apply if switching to an equivalent or lower level of cover.	Yes
Full cover for intensive care in all contracted private hospitals (medical certification is required).	Yes
Full cover for coronary care in all contracted private hospitals (medical certification is required).	No
Hospital accommodation for podiatric surgery (doesn't include doctors' fees).	No
Excess applies for overnight hospitalisations.	Yes
Excess applies for same-day hospitalisations.	Yes
No excess on hospitalisations for child dependants.	Yes
Exempts high income earners from having to pay the additional Medicare Levy Surcharge.	Yes
Access to our Private Postnatal Care Service for Northern Tasmanian members.	No
No excluded services.	No
Cosmetic surgery and other surgical procedures not covered by Medicare.	No