Base Hospital

Uncomplicated private hospital insurance that covers the essentials and costs as little as $17.39 a week including a 26.79% government rebate.

Private hospital insurance is designed to offer peace of mind and freedom of choice when you are required to visit hospital for medical issues that are not usually covered by Medicare. Base Hospital insurance covers you for a multitude of essential hospital procedures and treatments for as little as $17.39 a week while also making you eligible for a government rebate of 26.79%.  You will also receive a 4% discount on your premiums if you pay them via credit or debit card. is a private health fund that specialises in offering simple-to-understand health insurance policies to suit a range of requirements and budgets, so if you require more coverage than what is offered by Base Hospital their higher range Simple Essentials 60 and Extras 50 might be of interest to you.

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Complete the form and you'll be contacted by a consultant for an obligation free discussion about your health insurance options.

The consultant will work with you to compare policies available from and assist with your application if you wish to apply.

What am I covered for?

Under this policy your hospital expenses will be covered if you require treatment or surgery for any of these medical issues:

  • Treatment for accidents
  • Tonsil removal
  • Wisdom teeth removal
  • Knee and shoulder reconstruction surgery
  • Appendix removal
  • Adenoid removal
  • Dental surgery
  • Achilles tendon surgery
  • Recognised Medicare services
  • Australia-wide emergency ambulance transport

Restrictions apply to these treatments which means benefits payable for these services are only enough for you to be treated as a private patient in a shared ward of a public hospital, not in private hospital:

  • Rehabilitation services
  • Psychiatric services
  • Podiatric surgery

Whats not covered?

The following services and treatments are not covered under this policy:

  • Cardiothoracic surgery (treatments and procedures related to the heart and lungs)
  • Pregnancy services (assisted reproductive services, sterility reversal, labour and delivery)
  • Cataract and eye lens procedures
  • Dialysis for chronic kidney failure
  • Joint replacement, including spine and prostheses
  • Bariatric surgery (includes lap bands and gastric bypass surgery)
  • Spinal surgery
  • Neurostimulators
  • Insulin pumps
  • Cochlear implants
  • Services excluded by Medicare (includes cosmetic surgery, most dental care and surgery deemed medically unnecessary)
  • Outpatient services (includes hospital substitute treatments)
  • Some same-day procedures that do not require hospitalisation
  • Ancillary health services (such as optical and physiotherapy)
  • Personal items purchased while hospitalised
  • Prostheses not listed on the Commonwealth Government’s Prostheses Schedule

Making a claim

  • If you need to make a hospital claim on your Base Hospital policy, simply present your Claims Card when you are admitted to hospital. They will then settle the claim directly with the hospital and let you know once the bill has been paid.
  • It’s also worth noting that each medical practitioner involved in your care may charge additional fees on top of the fees charged by your hospital. If your doctor uses’s Access Gap Cover Scheme, you won’t have to make a claim as the doctor's bill will be sent straight to your private health fund. If the doctor is not a part of the scheme, you will need to take your claim to Medicare.

Do I have to pay any excess?

Base Hospital is available with an excess of $500, which is the amount you must pay to contribute to the cost of your admission to hospital. This excess is charged on a per hospital admission basis, but there is an annual cap in place to limit the costs you incur.

What are the waiting times on claims?

  • 1 day: Accidents, emergency ambulance transport
  • 2 months: All other services except those listed below
  • 12 months: Pre-existing conditions

Who's eligible for this policy?

You must be aged 16 years or older to take out any of's policies. Persons under 16 are deemed to be a dependants who should fall under a family or single parent family policy.

There are a few other eligibility requirements that must also be met to qualify for cover, including:

  • Not having a private hospital insurance policy with another provider.
  • Having your policy reflect your Australian state of residence.
  • Meeting Medicare’s residency and eligibility requirements.

Answers to other questions you might have

What exactly is a pre-existing medical condition?

Signs or symptoms of an ailment, illness or condition which is deemed to of been evident to you or a medical practitioner during the six months before you first signed up to this policy.

Who determines if my ailment, illness or condition is pre-existing?

An independent medical referee that is appointed by (you cannot use your own doctor to determine if your condition's pre-existing or not).  More information regarding pre-existing medical conditions can be found on the Private Health Insurance Ombudsman site.

How do I make premium payments?

Payments can be made via direct debit from your bank account or by credit/debit card.

When are my premium payments due?

You can choose to pay premiums on a fortnightly, monthly or quarterly basis, and you can select the day of each month you want this to happen.

Is there a cooling-off period?

Yes, you have 30 days after taking out cover to decide whether this policy is right for you. You can cancel your policy during this period and receive a full premium refund.

Speak with an advisor about policies

William Eve

Will is a personal finance writer for specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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