Hospital Select

I want peace of mind protection

Our Hospital Select Plan is designed to keep premiums affordable and sustainable over time - protect your family against the high costs of surgery - and help you deal with unexpected medical issues faster - meaning earlier intervention, less time off work or waiting time for surgery, and in most cases, a better outcome or recovery.

Full hospital cover - that offers up to

$300,000* of benefits

(per admission) across surgery and related consultations

Plus, cover for many pre-existing conditions after 3 years

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— What are the benefits?

An exclusive and important benefit of Hospital Select is that it covers many pre-existing conditions after a period of three years. This can be important if you have had health issues in the past and would like to have them covered in the future.
It is ideal if you are looking for a plan that provides comprehensive cover for major unexpected illnesses requiring surgery, hospitalisation, cancer treatment, and a wide range of specialist consultations, scans and tests. And it is designed to keep premiums affordable, and sustainable over time.

  • Pre-Existing Conditions Covered after 3 years

    As a bonus of joining the HealthCarePlus Hospital Select Plan, UniMed provides cover for many pre-existing conditions after you have been insured in the scheme for 3 years. As part of their offer they will provide details as to any conditions that they will provide cover for after 3 years and any serious medical condition that will be excluded for the life of the policy.

    What is a pre-existing Condition?

    1.    A pre-existing condition is a health or medical condition that was in existence on or before the person’s Cover Start Date.
    2.    At that time the person: 

    •  May have known about the condition; or
    •  May not have known about the condition, but did know of a health history or symptoms which could have indicated the possible existence of the condition to a medical practitioner. 

    If any of these conditions are developed after joining the HCP Hospital plan they would be fully covered subject to the normal terms and conditions of the plan.

    However, there are some pre-existing conditions that are permanently excluded for the life of the scheme; (Cardiovascular/vascular related conditions, Conditions that may result in the requirement for joint replacement surgery, musculoskeletal conditions including injuries, Cancer, Gynaecological disorders).

     

  • Surgery Benefit maximums may apply

    Includes:

    • Up to 300,000 cover per admission
    • Oral Surgery
    • Minor surgery by a GP up to $500

    Benefit maximum: Benefit maximums may apply

  • Cancer Care Benefit maximums may apply

    Includes:

    • Consultations (six months prior and six months after surgery)
    • Diagnostic tests
    • Surgery
    • Radiation oncology
    • Chemotherapy

    Benefit maximum: Benefit maximums may apply

  • Imaging Benefit maximums may apply

    Includes:

    • CT Scan
    • MRI Scan
    • PET Scan
    • Cardioversion
    • Myocardial Perfusion Scan
    • Scintigraphy
    • Surgical imaging - colonoscopy and gastroscopy

    Benefit maximum: Benefit maximums may apply

  • Specialist/Tests Benefit maximums may apply

    Includes:

    • Consultations
    • X-rays
    • Mammograms
    • Ultrasounds

    Waiting period: six months prior and six months after surgery

    Benefit maximum: Benefit maximums may apply

  • Rewards for Loyalty Benefit maximums may apply

    Includes:

    • Sterilisation procedures
    • Overseas surgery
    • Obesity surgery grant

    Benefit maximum: Benefit maximums may apply

Hospital Select - talk to one of our reps

The earlier you sign up the better.  You never know when you or your family's health may change, but once your policy is issued and cover confirmed you are all covered for life.  Act now before any ‘pre-existing conditions’ occur as they may result in conditions being referred or worse still, cover declined.

Our HealthCarePlus Representatives can help you make a well-informed decision on the type of Hospital Cover that’s right for you and your family. 

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Hospital Select - talk to one of our reps

Hospital Select documents

We have grouped together the most commonly requested documents and the latest version of the policy document.

* HealthCarePlus Hospital Select is administered and underwritten by Union Medical Benefits Society Ltd (UniMed). Any cover issued in response to this application is subject to the terms and conditions contained in the relevant policy documentation and UniMed/HealthCarePlus Conditions of Membership.