Hospital Cover

What you can get with our Hospital Cover

Our private hospital options let you choose the level of cover that best suits your needs and your budget.

Basic Plus Hospital is ideal if you’re healthy and don’t want to pay for what you don’t need. For greater cover, Standard Hospital is a good option, while our top Premium Hospital covers can give you the peace of mind that you and your family are well protected. There’s a choice of excess levels, plus a Premium Hospital – Non-obstetrics cover if pregnancy isn’t on your roadmap.

Premium Hospital Premium Hospital - Non-obstetrics Standard Hospital Accident Only Hospital Healthy Start Package
Pregnancy (including childbirth) x x x x
IVF & assisted reproduction x x x x
Gastric banding & obesity-related services x x x x
Joint replacements (incl. Revisions) x x x
Cataract & eye lens procedures x x x
Renal dialysis x x x
Cardiac & related services x x
Cancer treatment x x
Non Cosmetic Plastic and Reconstructive Surgery x x
Sterilisation (incl. Reversal) x x
Spinal fusion x x
Vascular Surgery x x
Nerve treatment (for Movement Disorders or Chronic pain) x x
Brain Surgery x x
Stroke treatment x x
Grommets in Ears x
Accidents after joining
Psychiatric services Restricted Restricted Restricted Restricted
Palliative care Restricted Restricted
Rehabilitation services Restricted Restricted
Minor gynaecological procedures x
Major gynaecological procedures x x
Removal of appendix or Appendicitis treatment x
Surgical removal of tonsils x
Surgical removal of adenoids x
Surgical removal of wisdom teeth x
Joint reconstructions and investigations (incl. Arthroscopy and Minisectemy) x
All other in-patient treatments receiving medicare benefits x x
$0, $250 and $500 excess options Nil 500 500 500 500
Available without extras cover x x

Restricted Benefits - Covered in a public hospital with choice of doctor only. If treated in a private hospital, benefits limited to public hospital rates as set by the federal government.

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Why choose CUA Hospital Cover?

  • No excess for kid’s hospital admissions

    If you hold a Family or Single Parent policy, your kids are covered up until they turn 23 (or 25 if studying fulltime). If they’re admitted to hospital, the excess will be waived.

  • Avoid paying extra tax

    All CUA Health Hospital Cover options meet the government criteria to avoid paying the Medicare Levy Surcharge or Lifetime Health Cover loading.

  • Talk to us in person

    Have a question about your CUA Health insurance and want to speak to us in person? Easy! We’re part of CUA, so just drop into your local branch for a chat.

  • Access Gap Cover Scheme

    The CUA Health Access Gap Cover Scheme helps to reduce or eliminate your out-of-pocket expenses for hospital treatment and takes the paperwork off your hands.

Get great value health insurance with
CUA Health.

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When you take out health insurance for the first time, switch insurers or increase your level of cover, CUA Health asks that you wait a period of time before you can claim for new or higher benefits. Take a look at the table below to find out what waiting periods apply.

1 day

Accident cover
For CUA Health an accident is an unforeseen and sudden event occurring by chance and caused by an external force or object, resulting in an involuntary bodily injury requiring immediate treatment from a medical practitioner. It does not include any condition that can be attributed to medical causes.

2 months

Psychiatric care, rehabilitation or palliative care (including where the condition is pre-existing)

All other hospital treatments

12 months

Pre-existing conditions
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition – in the opinion of a medical practitioner appointed by us – existed at any time during the six months ending on the day on which you purchased your hospital cover or upgraded to a higher level of hospital cover

Obstetrics-related conditions

With our private hospital cover you can be treated as a private patient in a private or public hospital. CUA Health 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 is in agreement with CUA Health.

  • 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 CUA Health 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. CUA Health 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.

See full Terms & Conditions below

Ready to join?

Simply choose the cover that’s right for you. If you’re transferring from another provider, be sure to have your policy details handy and we’ll look after all the paperwork for you.

Join now

Have a few questions?

If you have any questions about your health cover, you can take a look at our Health Insurance Frequently Asked Questions. Alternatively you can call us on 1300 499 260 or drop into your local CUA branch.

Important information Important information Show content

1. Offer available only to new members who purchase and commence a combined Hospital and Extras Policy between 4/03/19 – 12/05/19 with an annual premium of at least $1,251. Maximum reward of $500 is based on the purchase of cover with a gross annual premium of above $4,170. There are 6 tiers of rewards, based on the value of the annual premiums for the cover selected. The eGift Card will be issued by Edge Loyalty on behalf of CUA Health Ltd. By participating in this promotion, you consent to CUA Health providing your first name and email address to Edge Loyalty, who will deal with your personal information in accordance with their privacy policy, available at If you do not consent to your details being provided to Edge Loyalty, then we will be unable to provide you with the eGift Card regardless of your eligibility. Full terms and conditions available at

2. To be eligible for the draw entrants must complete an ‘Email Quote’. Competition runs from 4/03/19 – 12/05/19. Prize is $10,000 cash paid to the winner’s nominated account. Total prize pool $10,000. The draw will take place at Anisimoff Legal, Suite 5, Erina Plaza 210 Central Coast Highway, Erina NSW 2250 on 17/05/2019 at 3:00pm AEST. Winner’s names published online at at Authorised under NSW Permit No: LTPS/19/ 31641 ACT Permit No: TP19/ 02622, SA Licence No: T19/ 132. Promotion terms and conditions available at Promoter is CUA Health Ltd ABN 98 098 685 459 (CHL)..

*Get 4% discount on your CUA Health premium when you pay by direct debit from your CUA transaction account. CUA Health reserves the right to amend or remove the discount and any qualifying criteria at any time. We will always provide you with reasonable notice before exercising this right. Full terms and conditions available at

Credit Union Australia Ltd ABN 44 087 650 959 (CUA) is an authorised deposit-taking institution. Visit for more information.

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.