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Health insurance for hysterectomy surgery

Hysterectomy is covered under Medicare, but private treatment can cost over $12,000 without the right coverage.

Cost of a hysterectomy in Australia

As a public patient in a public hospital, hysterectomies will be fully covered by Medicare in Australia, so a hysterectomy will cost you nothing. It's a different story in the private system, however. Without the proper cover, hysterectomy surgery in a private hospital can set you back over $12,000 in Australia.

What is a hysterectomy?

A hysterectomy involves the removal of the womb (uterus), with or without the cervix. The operation can also include the removal of the ovaries and the fallopian tubes. There are several different types of hysterectomy, including laparoscopic, abdominal, partial and total hysterectomy, all of which can vary significantly in price.

If you have a hysterectomy, you will no longer have periods and won't be able to get pregnant.

Finder survey: How many Australians have made a hospital claim related to gynaecology?

ResponseFemaleMale
Gynaecology7.47%1.67%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

Is a hysterectomy covered by Medicare?

Hysterectomy is covered under Medicare. With Medicare, there are little to no out of pocket expenses for hysterectomy surgery if you are a registered public patient and have surgery in a public hospital. If you are a public patient in a private hospital, Medicare will cover 75% of the bill, so you could face up to $3,000 worth of out of pocket expenses.

If you decide to use the public healthcare system, it's worth noting that waiting periods for a hysterectomy can be very long; the average public hospital wait is 54 days. Depending on how quickly you need to have surgery, you may consider going private for speedier treatment.

You are also unable to choose your own doctor or consultation times. If having your own doctor will provide you with greater peace of mind or you have a busy schedule, then treatment as a private patient is probably more suited to you.

How to claim the Medicare rebate

You can claim your Medicare rebate using your Medicare online account. This can be accessed through myGov. Speak to your doctor or call a Medicare consultant if you can't access it online. If you elect to have surgery through Medicare, make sure you get your rebate or you could be looking at paying for the entire surgery. Remember though, Medicare will cover 75% of costs in certain cases so the rebate will still leave you with a bill.

How does private health insurance cover a hysterectomy?

If you decide to go private, a hysterectomy will usually come under a medium level of hospital cover. The average waiting time for surgery in a private hospital is 28 days.

Whilst many product disclosure statements (PDS) explicitly state that they cover "hysterectomy surgery", it can sometimes be listed under "gynaecological procedures". If this is the case, you need to make sure that hysterectomy treatment is included in your policy.

You should also make sure your policy covers the specific type of surgery you need as many only include vaginal or abdominal hysterectomies. Make sure you do this well in advance of surgery, or you put yourself at risk of paying for everything.

Unless you have no gap, there will be some out of pocket expenses for a hysterectomy which are likely to be around $500, depending on your cover. Because you have a lot more control with private healthcare, you can really lower costs. The amount really depends on the decisions you make, from your excess to your choice of hospital and doctor. If you do your research beforehand, you're guaranteed to get the best value for your money with private healthcare.

Below are some examples from Finder partners that cover gynaecological procedures including hysterectomy. All prices are based on a single individual with less than $93,000 income and living in Sydney.

Name Product Treatments Price Apply
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +18 other treatments covered
$91.11
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$91.83
per month
Bronze Hospital Plus $750 Excess
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$98.58
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +18 other treatments covered
$99.25
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$100.12
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$100.31
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$103.32
per month
Bronze Plus Hospital $750/$1500
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$104.98
per month
Bronze Hospital Plus $500 Excess
Bronze Plus$500 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$106.88
per month
Frank Better Hospital (Bronze+)
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +17 other treatments covered
$107.28
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$108.69
per month
Bronze Plus Hospital $500/$1000
Bronze Plus$500 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$109.77
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +18 other treatments covered
$112.56
per month
core bronze plus
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +17 other treatments covered
$113.58
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$113.69
per month
Medibank Silver Plus Core
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +23 other treatments covered
$113.80
per month
HCF HOSPITAL STANDARD SILVER PLUS
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$114.03
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$117.08
per month
core bronze plus
Bronze Plus$500 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +17 other treatments covered
$119.53
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$120.29
per month
starter silver
Silver$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$122.40
per month
Silver Hospital
Silver$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +23 other treatments covered
$122.71
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$123.08
per month
HCF HOSPITAL STANDARD SILVER PLUS
Silver Plus$500 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$125.11
per month
Medibank Silver Plus Support
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$126.06
per month
Silver Hospital $750
Silver$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$126.10
per month
Medibank Silver Plus Core
Silver Plus$500 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +23 other treatments covered
$126.36
per month
Bronze Plus Hospital $200/$400
Bronze Plus$200 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$126.73
per month
starter silver
Silver$500 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$126.96
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$127.71
per month
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