Bronze Hospital
Simplicity with plenty to love.
With multiple excess options available, be reassured that you are covered for the essentials you need.
Our Bronze Hospital products give you top private Hospital cover for the clinical categories covered, with the choice of a $250, $500 or a $750 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 Plus 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 all Bronze Hospital products, 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 Lukes can be found here.
| Hospital Cover Benefits | Bronze Hospital 250, 500 and 750 |
| 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 Cover. | 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 |