Once you’ve selected your hospital cover, you’ll need to nominate an excess.
- The excess is your contribution to your hospital treatment
- You can choose from set excess amounts
- Your choice of excess will affect your premium
When you take out HCF hospital cover you’ll be asked to choose an excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
A higher excess will reduce your premium. A lower excess means you’ll pay less if you make a claim, but your premium will be higher.
If you choose our highest level of cover, you’ll have the extra flexibility of a no-excess option – again, this will be reflected in your premium.
When you’re not required to pay an excess
You only pay one excess per person (per calendar year) if you claim on your hospital cover. Subsequent claims won’t incur another payment.
You won't have to pay an excess for any accident-related treatment or for any dependant kids aged under 25 on your policy.
Private vs Medicare
How the public system works, and what private healthcare can do for you.
Charges and the gap
How to avoid out-of-pocket costs for hospital treatment.
Medicare Levy Surcharge
How hospital cover could save you money come tax time.
Lifetime Health Cover
Why it pays to get hospital cover early.