Hospital

Get an instant quote today!

Hospital cover gives you peace of mind that in the unfortunate event that you do get injured, your out of pocket expenses will be minimal.

If you’re an active person who enjoys keeping fit, check out our sports range, Base SPORT, Mid SPORT and Max SPORT.

If you’re looking for a general yet comprehensive cover, our supporters range has you covered with FIT Base, Mid with Obstetrics and Max products.

Hospital cover

Base

Gives you cost effective cover for treatment as a private patient in a public hospital (exclusions apply). A great option if you want to avoid the Medicare Levy surcharge or lock in your Lifetime Health Cover certified age of entry.

Base Sport

A great cover if you’re a fit, active person who needs a cost effective product. Gives you cover for treatment as a private patient in a public hospital plus private hospital cover for injuries more likely to occur when playing sport or staying active (exclusions apply).

Mid
OBS

Offers excellent private hospital cover in a shared room, and includes obstetrics and IVF related services. Your premiums are reduced by excluding some hospital services you’re less likely to need.

Mid Sport

A great choice if you’re a fit, active person who wants extensive cover. Covers you in a public hospital as a private patient, in a private hospital for sporting injuries and all day stays.

Max

Gives you comprehensive cover in a shared or Single Room in a private hospital for a vast range of services.

Max Sport

Our premium product. Gives you comprehensive cover in a shared or Single Room in a private hospital for a wide range of services plus gives you even higher benefits for injuries more likely to occur when playing sport or being active.
 
Excess options $250 or $500 ? $250 or $500 ? $250 or $500 ? $250 or $500 ? No excess,
$250 or $500 ?		 No excess,
$250 or $500 ?
Medical Gap Cover (up to 120% of MBS fee and 100% of MBS fee for pathology/radiology)            
Higher Medical Benefits for injuries more likely to occur playing sport            
Higher Medical Benefits when referred by a member of the AFLMOA            
Accident            
Private Hospital Accommodation - Single Room            
Private Hospital Accommodation - Shared Room            
Public Hospital Accommodation - Single Room            
Public Hospital Accommodation - Shared Room            
Private Hospital Accommodation - Day Stay            
Admission excess waiver for child dependants            
Cataract Surgery            
Cosmetic Surgery (where MBS item applies)            
Delivery Suite            
Intensive & Coronary Care            
IVF & related services            
Joint Reconstruction            
Joint Replacement            
Nursing Home Type Patient2            
Obstetrics            
Psychiatric            
Rehabilitation            
Same Day Treatment            
Surgically implanted prostheses            
Theatre            
Corneal Surgery            
Haemodialysis            
Gastric banding (including all obesity surgeries)            
Cochlear ears            
Inpatient dental implants            
Legend:   Public hospital cover as a private patient in a shared room only (not recommended for private hospital treatment)   For selected services at participating private hospitals   Covered provided in participating private hospital   Benefit Limitation Period applies   No benefits payable

Out of pocket costs may apply for admissions to non-participating private hospitals. Contact us for details.

 

Selected services refer to the following MBS item number:
Knee arthorscopes: 49557-49566
Knee reconstructions: 49536, 49539, 49542
Fractured clavicies: 47462, 47465
Fracture to wrists: 47369, 47372, 47375
Fracture to finger: 47300, 47333
Fracture to hand: 47348, 47351, 47336, 47339, 47342, 47345, 47354, 47357
Shoulder reconstruction: 48960
Ankle reconstructions: 49709, 49718, 49724

 

$100 co payment applies per day. $700 max per admission.

 

If the fund believes that a patient following a review of the case (on the basis of information provided by the hospital either internally or using an agreed independant source), is not receiving acute care after 35 days continuous hospitilisation, FIT Health Insurance benefits will be reduced to Nursing Home Type Patient benefits and will be paid in accordance with the default benefit determined by the Health Department. All Nursing Home Type Patients are required to pay part of the cost of hospital accommodation.

 

Inpatient dental implants: 52300-52832

 

  • What is the MLS?

    The Medicare Levy Surcharge (MLS) is a surcharge on individuals and families on higher incomes who don’t have eligible private patient hospital cover (eligible cover). The surcharge is 1% of taxable income in addition to the normal 1.5% Medicare levy. People may have to pay the Medicare levy surcharge if they, or any of their dependents, do not have eligible cover and they are:

    - A single person - without dependent children - with a taxable income (including any reportable fringe benefits of $1,000 or more) greater than $80,000

    - A family - including a couple and single parent - with a combined taxable income (including any reportable fringe benefits of $1,000 or more) greater than $160,000 (increasing by $1,500 per dependent child, after the first child).

    Contact your tax adviser for further details about the Medicare Levy Surcharge.

    Waiting Periods

    A waiting period is the time between when you join FIT and when you can start claiming. Waiting periods exist to protect members’ funds from those who wait until they are sick and then join a health fund just to claim large sums immediately.

    Waiting periods apply to:

    - New members to health insurance (members who have never held hospital or extras cover with a health fund).

    - Existing FIT members who upgrade to a higher level of cover or reduce their excess payable.

    - Members who transfer from another health fund who have not fully served the required waiting and/or benefit limitation period for equivalent benefits.

    - Treatment for a pre-existing condition.

  • What is LHC?

    The Federal Government introduced the Lifetime Health Cover (LHC) initiative on the 1st of July 2000. From this date, anyone who joins a hospital cover of a registered health fund will be given a Certified Age at Entry (CAE) status - which represents their age when they first joined a hospital cover after the 1st of July 2000.

    If you joined a hospital cover before this date you are assigned a CAE of 30 and you’ll pay the base rate (the lowest premium) for your hospital cover. The premiums listed in this website are at base rates. If you joined after this date and are aged 31 or over, and therefore have a CAE of over 30, you’ll pay a 2% loading for each year your CAE is above 30 to a maximum loading of 70%.

    Where you have had to pay a LHC loading, and have done so for a continuous period of 10 years, the loading will no longer apply on the day after the last day of the 10-year period.

    If you’re over the age of 30, the sooner you take out hospital cover, the less you’ll pay later. In summary, the Australian Government’s LHC loading applies if you were aged 31 or over on the 1st of July this year, and are taking out hospital cover for the first time. Under LHC, in addition to the base rates, a 2% loading is applied for each year you are aged over 30 when you join. The Australian Government rebates apply to your total premiums, including any LHC loading. Lifetime health cover applies to hospital cover and does not apply to extras.

    Benefit Limitation Period

    A Benefit Limitation Period (BLP) is a restriction on benefit entitlements for a particular condition or treatment for a set period of time. After that period of time has elapsed you would normally be entitled to full benefits for that condition or treatment. The BLP commences from the date of joining the hospital cover.

    Hospital claims during the BLP will attract public hospital benefits in a shared room only, providing the appropriate waiting period has been served. Higher benefits will be available after the BLP has been served and the condition or treatment is not excluded or restricted.

  • What is the FGR?

    If you have health insurance, and all people covered by FIT membership have full Medicare eligibility, you are eligible for the Australian Government’s 30% Rebate on private health insurance.

    The rebate is 30% for people aged up to 64 years, 35% if one or more people covered on the membership are aged 65 to 69, and 40% if one or more people covered are aged 70 or more. You can claim the rebate as a reduction to your premiums, as a tax rebate when you lodge your annual tax return, or as a direct payment from the Government through any Medicare office.

    The easiest way for you to claim the rebate is to complete the application form for the Australian Government Rebate during the application process with us. We’ll then deduct the rebate from your premiums.

    Excess

    Having an excess lets members share some of the cost of hospital admissions in return for lower fees.

    An excess is deducted from the benefit paid by FIT Health Insurance, but not always the entire excess applicable for the policy. For example, if the full benefit for a hospital stay was $5,000 and the member has a $500 excess on their hospital cover, the benefit would reduce by the amount of the excess and an adjusted benefit of $4,500 would be paid.

    Where one member on a couples, family or single parent excess cover is admitted to hospital they will only pay a maximum amount per person as opposed to the maximum amount per membership. This is usually half the maximum annual excess per policy.