Member Guide - RACT

Platinum HospitalHOSPITAL COVERRecommended for:Platinum Hospital gives you comprehensive cover for totalpeace of mind with increased medical gap coverage and asingle room guarantee. 1HOSPITAL COVERWhat’s covered in a participating private hospital?Platinum Hospital provides cover 2 at participating private hospitals for:3 Private hospital accommodation^3 Single room guarantee 13 Increased medical gap cover (see pages 22-23 for details)3 Delivery suite3 Theatre3 Intensive and coronary care3 Same-day treatment3 Surgically implanted prostheses (Government prostheses list group benefits 3 )3 Other agreed charges.What's covered in a public hospital?You’ll be covered 2 for hospital accommodation costs when you are admitted to asingle or shared room (subject to bed availability) as a private patient in a publichospital.Increased medical gap coverPlatinum Hospital provides members access to increased benefits when treated bya doctor or specialist if admitted to hospital. As a member on our comprehensivecover you will have a higher level of protection by receiving more back on selectedservices. We recommend you contact us for a benefit estimate before commencingtreatment to confirm the benefit payable.Excess optionsYou can reduce your premium by selecting one of thefollowing calendar year excess options:Excess options tableAdmission excess(private hospital – overnight)Admission excess(public hospital orday stay)Level 0excessLevel 1excessLevel 2excessnil $250 $500nil $125 $250^Other private hospitalsFixed benefits are payable in non-participatingprivate hospitals(see page 54 for more details).Maximum annual excess – perpersonMaximum annual excess –singlesMaximum annual excess –familiesTo find out more about excess payments see page 51.nil $250 $500nil $250 $500nil $500 $1,000No excess applies for child dependants under 21 onPlatinum Hospital cover.Waiting periodsPlease refer pages 11 and 57 regarding waitingperiods and pre-existing conditions.1 We will pay you $50 per day (up to a maximum of $150 for 3 days) if youstay in a shared room when you requested a single room. See page 56 formore details.2 Limited benefits may apply to cosmetic surgery and high cost drugs.Drugs purchased outside the hospital are not included.3 Benefits are no higher than the No Gap Government prescribed benefit.14