The health system can be confusing so it’s hard to be sure who pays for what. We make it clear in one table.
Please remember that this is only an overview. Benefits depend on your level of cover and any restrictions, exclusions or waiting periods you have.
View your full cover description for more detailed information.
| Medicare | Peoplecare | You | ||
|---|---|---|---|---|
| Hospital | Extras | |||
| Ambulance (state-based providers only) | No | Yes | Yes | No |
|
Outside of hospital (outpatient) Things like specialist fees, radiology and pathology. |
Yes | No | No | Yes |
| Private Hospital (inpatient)
Remember that your waiting periods need to be served before you go into hospital and we can only pay for the services you’re covered for. If you have an excess or use things that hospitals can charge you for like TV access or newspapers, those will be at your own cost. |
||||
|
Medical Things like specialist fees, radiology and pathology. |
Yes | Yes | No | Yes |
|
Hospital Things like accommodation fees, theatre fees, and medical devices and human tissue products. |
No | Yes | No | No |
|
Public Hospital (inpatient) as a Private patient If you have an excess or use things that hospitals can charge you for like TV access or newspapers, those will be at your own cost. Your hospital might ask you to pay additional charges for your admission. |
||||
|
Medical Things like specialist fees, radiology and pathology. |
Yes |
Yes |
No |
Yes |
|
Hospital Things like accommodation fees, theatre fees, and medical devices and human tissue products. |
Yes |
Yes |
No |
No |
|
Public Hospital (inpatient) as a Public patient You may have out of pocket costs from your doctor or specialist even if you’re a public patient in a public hospital. If you have an excess or use things that hospitals can charge you for like TV access or newspapers, those will be at your own cost. |
||||
|
Medical Things like specialist fees, radiology and pathology. |
Yes |
No |
No |
Yes |
|
Hospital Things like accommodation fees, theatre fees, and medical devices and human tissue products. |
Yes |
No |
No |
Yes |
|
Other services Things like dental, optical & physio. (There are some interesting items on Medicare like dental for kids and some free consults for chronic conditions you could get after seeing your GP) |
Yes |
No |
Yes |
Yes |
You can check what you’re covered for by checking your cover description
in Online Member Services. Log in here and click the cover description link on the membership screen.