Affordable cover that might make you happy at tax time

For those who like to stay covered without the flashy stuff. Starter Hospital (Basic) provides essential protection and helps you avoid the Medicare Levy Surcharge—adulting win!

Features:

  • Limited cover in a private hospital or day surgery facility
  • We will pay benefits for inpatient services in a private or public hospital where a Medicare benefit is payable, provided waiting periods have been served, except for restricted or excluded services where a lower or nil benefit entitlement exists
  • Keeps costs down by limiting cover on services you’re less likely to need with a $750 excess
  • Age-based discount available for eligible policy holders^
  • Doesn't need to be combined with an Extras product

^Starter Hospital (Basic) is an age-based discount policy and also a retained age-based discount policy. For more information on eligibility to these discounts please refer to our information.

What you're covered for

Services that are included under Starter Hospital (Basic)
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Emergency Ambulance Cover

If you're not eligible for a concession, free ambulance transport or a state ambulance scheme does not provide cover, we will pay benefits towards emergency ambulance services when provided by recognised providers.

Some covers limit the number of Emergency Ambulance services you can have in a calendar year, view the product summary and our Member Guide for more information on what's covered, and other important stuff.

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Accident Cover

Accident Cover provides temporary hospital cover for up to 90 days following an Accident for services at are normally Restricted or Excluded if the hospital treatment is required for injuries that were sustained in an Accident which occurred after joining a see-u hospital cover.

An Accident is an unforeseen event, occurring by chance and caused by an unintentional and external force or object resulting in involuntary hurt or injury to the body, which requires treatment by a Medical Practitioner or a Hospital Emergency department within 48 hours of the accident.

From $18.23*

per week

*Price quoted is for Starter Hospital (Basic) Cover standalone for a single in Queensland, including a 24.608% Australian Government Rebate with a $750 excess.

From
18.23*

per week

*Price quoted is for Starter Hospital (Basic) Cover standalone for a single in Queensland, including a 24.608% Australian Government Rebate with a $750 excess.

Apply now

Important Information

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Waiting periods and pre-existing conditions

When you first join see-u or upgrade your cover to include new services, there's a period you'll need to wait before you're able to claim certain services.

If you’re transferring from another health fund, we’ll recognise any waiting periods you’ve already served with your previous health fund for the same services on an equivalent level of cover with see-u.

This table shows the waiting periods that apply to different services:

Waiting Periods
Pre-existing conditions 12 months
Pregnancy and Birth 12 months
Psychiatric, rehabilitation or palliative care 2 months
Other Hospital Services 2 months

 

 

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What's covered?

With our private hospital cover you can be treated as a private patient in a private or public hospital. see-u has agreements with the majority of private hospitals and day surgeries where you will receive benefits for your hospital accommodation, including:

  • accommodation for overnight or same-day stays
  • standard single or share hospital accommodation
  • operating theatre, intensive care and ward fees
  • surgically implanted prostheses up to the approved benefits in the Government’s Prostheses List
  • your choice of doctor or specialist

Please contact us prior to any hospital admission to make sure your hospital has an agreement with see-u.

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What's not covered?

  • Hospital treatment for which Medicare pays no benefit, like cosmetic surgery.
  • In some cases your doctor’s and/or specialists’ (radiologist, anaesthetist etc) fees may still be more than the Medicare benefit plus the see-u gap scheme so you may be required to make an additional payment. Please check this with your doctor before consultation or treatment.
  • Gap payments may apply to certain prostheses (e.g. hip and knee joint replacements, artificial heart valves, pacemaker devices and intra-ocular lenses for cataract surgery).
  • Any items of a personal nature, including TV rental or phone calls while in hospital that are not part of the agreed medical costs.
  • You’ll need to pay any additional costs that are applied to any 'nursing home-type' patient admission into a public or private hospital. This amount is determined by the Federal Government.
  • Experimental and some high cost or exceptional drugs.
  • Services not invoiced by the hospital.
  • If you go to an emergency room and are not admitted but the hospital still charges you for your visit, this charge is not covered and you’ll need to pay this yourself.
  • Services able to be claimed by way of compensation or damages. see-u reserves the right to a full and immediate reimbursement of any claims covered by way of compensation or damages from another party.
  • Services provided by a family member.
  • Any treatment considered an outpatient service, e.g. Radium.
  • Benefits for products, services or treatments purchased from or provided by practitioners overseas, whether you buy them in person, by mail order or online.
  • Benefits in relation to sport, recreation or entertainment unless they are part of an approved chronic disease management or a health management program.
  • Benefits for treatment, goods or services if false or misleading information is provided.
  • Extras cover services for which a Medicare benefits is payable, except as allowable as hospital substitute treatment.
  • Treatment, goods or services provided during a waiting period.