Using your hospital cover

To reduce your out-of-pocket costs, we have agreements with more than 37,000 doctors across Australia. This is called Access Gap. Use our search tool to see if your doctor has taken part in our Access Gap in the past. Remember, it’s the personal choice of the doctor to participate in Access Gap and they can decide on a case-by-case basis.

We've got agreements with most private hospitals in Australia. Find your nearest one with our hospital search.

If you can't find the hospital you're after, give us a call.

Access Gap is a scheme to reduce your out-of-pocket doctor expenses. First you need to ask your doctor if they participate. If they do, we pay them more than the Medicare Benefit Schedule fee – resulting in lower or no out-of-pocket expenses for you. 

To make it easier to find doctors with a track record of providing Access Gap services, we’ve added a new search available here. 

We want you to know we’ve got your back when you need us. We’ve put together a guide for your hospital stay – from what to ask your doctor to how we pay the bills so that you’re fully informed.