Essential Hospital


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Essential Hospital

For the young and healthy who are just looking for the essentials in a hospital cover.
  • Cover for 100s of treatments as a private patient
  • $500 Excess to reduce your premium
  • No Excess for dependants
* Terms and conditions statement
For the young and healthy who are looking for some peace of mind without paying for many types of treatments that may not be relevant to them, while avoiding or minimising the Lifetime Health Cover loading and/or not pay extra tax. This cover is ideal as it excludes some very specific treatments but still covers 100s of other treatments.

Notable Inclusions

  • Grommets in Ears
  • Accidents after joining
  • Psychiatric services (Restricted)
  • Palliative Care (Restricted)
  • Rehabilitation services (Restricted)
  • Minor gynaecological procedures
  • Major gynaecological procedures
  • Removal of appendix or Appendicitis treatment
  • Surgical Removal of tonsils
  • Surgical Removal of adenoids
  • Joint reconstructions and investigations (incl. Arthroscopy and Minisectemy)
  • All other in-patient treatments receiving Medicare benefits
  • Ambulance
  • $500 excess options
  • Available without Extras cover


  • Pregnancy (incl. Childbirth)
  • IVF and assisted reproduction
  • Gastric banding and obesity related services
  • Joint replacements (incl. Revisions)
  • Cataract and eye lens procedures
  • Renal dialysis
  • Cardiac and related services
  • Cancer treatment
  • Non Cosmetic Plastic and Reconstructive Surgery
  • Sterilisation (incl. Reversal)
  • Spinal fusion
  • Vascular Surgery
  • Nerve treatment (for Movement Disorders or Chronic pain)
  • Brain Surgery
  • Stroke treatment
Important information Important information Show content

* First month free is available only to new policy holders who join via Credit Union Australia Limited. ABN: 44 087 650 959 (CUA) directly.

# The quoted price assumes you live in Queensland and you’ll receive 25.934% Australian Government Rebate for Private Health Insurance. Hospital cover prices are based on no Lifetime Health Cover Loading and an excess of $500 per person per calendar year (excluding dependants).

CUA Health Insurance is provided by CUA Health Ltd 98 098 685 459 (CHL) which is not an authorised deposit-taking institution. While CUA Health Insurance may be distributed by Credit Union Australia Ltd ABN 44 087 650 959 (CUA), CUA is not liable for this product and does not stand behind CHL.

Click here to see the full CUA Health Terms and Conditions