Hospital cover

Hospital cover is for things like accommodation, theatre and doctors’ fees in hospital. We love keeping our hospital cover simple with five types of private hospital cover to best suit your needs. All our covers come with an exceptional level of ambulance cover.

Products

Basic Plus Hospital is our affordable hospital cover that provides a handful of useful hospital services above and beyond the Basic minimum tier. This is the ultimate fit and healthy cover.

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Bronze Plus Hospital is designed for the healthy and budget conscious, and is family friendly. It packs value into hospital insurance that includes ambulance cover and no excess for kids.

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Silver Hospital is one of our most popular covers. It is a fantastic mid-level cover designed to strike the right balance between affordability and cover that suits families without the need for pregnancy and birth services. It provides all the essentials of Bronze Plus cover and adds dental surgery, heart, lung, back, neck and spine, and more.

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Silver Plus Hospital is designed for those who want a top-level of cover without pregnancy cover. It gives you all the cover of Silver Hospital with the addition of joint replacements, kidney dialysis, cataracts, insulin pumps & pain management with device – many of the key services that are more useful as we age.

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Starting your own family is an exciting time. Silver Plus Grow Hospital cover pays towards hospital pregnancy and birth services as a private patient for members who’ve served their 12-month waiting period.

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Did you know about the Peoplecare combined Hospital and Extras cover discount? Get a 10% discount off any Peoplecare Extras cover when combined with any Peoplecare Hospital cover.

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Australian Service Excellence Awards CSIA 2023 Highly Commended
* IPSOS 2023 survey results for open private health insurance funds.

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Ambulance cover included

One thing that Peoplecare includes as a bonus is 100% land, air and sea ambulance cover with no annual limits with every Peoplecare cover.*

A short trip in an ambulance can be costly. To view what you are covered for, read here. 

*State-recognised ambulance providers only. 

 

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Important things you need to know about your cover

*There are some government programs, generally means-tested (subject to income and/or social background criteria), that can help pay for some extras services. An example is the Child Dental Benefit Schedule. Another exception is treatment received under a Chronic Disease Management Plan. Peoplecare can’t provide benefits if you’re receiving a benefit through one of these government programs/plans.

Switching to Peoplecare is easy

  • Switching is easy
    We can handle the cancellation of your existing cover for you.

  • Waiting periods transfer with you
    We’ll make sure we recognise any waiting periods you’ve already served if you switch within 30 days!

  • 30-day cooling-off period
    If you change your mind within the first 30 days of joining or upgrading your cover, you will get a full refund, provided you haven't made any claims during that time.

Why choose us

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97% of our members are satisfied

We’ve got the health cover and service to make you smile.

Source: IPSOS 2023 Member Satisfaction Survey

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Your wellbeing is our priority

We’re on a mission to connect you to the latest health and wellbeing programs at no extra cost to you.

70+ years experience

We've been providing health insurance for over 70 years.

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We're member-owned

We're for members, not for profits.

You might be interested in...

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Not sure what level of cover you need? Use our online tool to help you choose the right product.

Pregnancy hospital cover orange pacifier icon

Starting your own family is an exciting time. Our Silver Plus Grow includes pregnancy hospital cover so that you can have your baby at a private hospital with the obstetrician of your choice (or even at a public hospital with your choice of obstetrician).

Young adults insurance orange open umbrella icon

Are you an Australians under 30 taking out private hospital insurance? We offer an age-based discount of up to 10% off our Basic Plus Hospital and Bronze Plus Hospital covers.