Treatment Coverage Options

Payment & Cover Options

Private Health Insurance

If you have private health insurance, we recommend contacting your insurer before admission to confirm your level of cover.

You may wish to ask:

• Am I covered for this type of treatment? Are there any exclusions, restrictions, or waiting periods?
• Will my treatment be covered under a no-gap or known-gap scheme?
• Will I need to pay an excess, co-payment, or gap? If so, how much?
• What benefits will my insurer pay toward hospital and doctor’s fees?
• Will there be any additional costs for specialists or other providers involved in my care?

Please note: If you have held your policy for less than 12 months, your insurer may not cover costs related to pre-existing conditions.

DVA (Department of Veterans’ Affairs)

If you hold a DVA Gold or White Card, your treatment is generally fully covered.

WorkCover

If your admission is WorkCover-related, approval must be obtained before admission to avoid out-of-pocket costs. 

Our team can liaise with your insurer on your behalf.

Third-Party Insurance

If your admission is covered by a third-party insurer, payment approval is required before admission.

If approval is not received, you may need to pay the estimated costs upfront. We can assist in coordinating with your insurer.

Overseas Insurance

If you are insured with an overseas provider, you may be asked to pay estimated costs on admission unless approval has been received in advance.

We can provide documentation to support your claim.

Self-Funding

If you are paying for your admission yourself, the estimated hospital costs will need to be paid before or on admission.

Our Admissions Team can provide an outline of fees and guide you through the payment process.

Estimating Your Costs

Before your admission, we will provide you with an Estimate of Expenses, which outlines:

• Expected hospital costs
• Any insurer contributions (if applicable)
• Your estimated out-of-pocket costs

While we aim to be as accurate as possible, costs may vary depending on your treatment, length of stay, or any unexpected changes to your care.

Additional Costs to Be Aware Of

Some items may not be covered by your insurer and could result in additional costs, including:

• Ambulance transfers
• Non-medical services (e.g. hairdressing or beauty services)
• Medications not related to your admission or not covered by PBS
• Accommodation or meals for visitors
• Equipment or aids required during your stay
• Phone calls (international or non-local)
• Parking

You may also receive separate invoices from other providers involved in your care, such as:

• Emergency centre attendances
• Your treating psychiatrist (for un-insured clients)
• Pathology services (e.g. blood tests)
• Radiology services (e.g. X-rays)
• Pharmacy services not related to your admission or not covered by PBS