Member Guide - RACT

Bronze HospitalHOSPITAL COVERRecommended for:Bronze Hospital gives you a basic level of cover for treatmentas a private patient in a public hospital with some exclusions toreduce the premium.A suitable option if you want to avoid the Medicare LevySurcharge (details on page 53) or lock in your lifetime healthcover (details on pages 44–45) certified age of entry.ExclusionsTo reduce the premium, Bronze Hospital excludes the following services:✗ Haemodialysis✗ Gastric banding and all obesity surgeriesWhat's covered in a public hospital?For services not listed under 'exclusions' Bronze Hospital cover provides cover foraccommodation costs when you’re admitted to a shared room in a recognisedpublic hospital, less your excess if applicable (subject to bed availability). 1Excess optionsYou can reduce your premium by selecting anexcess which is payable once every calendar year.Choose from one of the following excess options:Excess options tableMaximum annual excess– per personMaximum annual excess– singlesMaximum annual excess– familiesLevel 0excessTo find out more about excess payments see page 51.Level 1excessLevel 2excessnil $250 $500nil $250 $500nil $500 $1,000Unlike Platinum and Gold covers the excess appliesfor child dependants on all Bronze Hospital covers.Waiting periodsPlease refer to pages 11 and 57 regardingwaiting periods and pre-existing conditions.Please note: Benefits for a single room in apublic hospital or treatment in a private hospitalwhen using Bronze Hospital cover will result insignificant out-of-pocket expenses. For furtherinformation on private patient benefits onBronze Hospital cover, please call us on 13 27 22.* 1 Limited benefits may apply to high cost drugs. Drugs purchasedoutside the hospital are not included.2 Benefits are no higher than the No Gap Government prescribedbenefit.HOSPITAL COVERWhat's covered in a private hospital?For services not listed under 'exclusions' fixed benefits are payable foraccommodation in private hospitals. The benefit depends on the type of treatment,accommodation or surgery received and length of the hospital stay. Additionalprivate hospital costs such as theatre and delivery suite charges are not covered byBronze Hospital cover.Additional benefitsIn both public and private hospitals, our Bronze Hospital cover includes benefits for:3 Medical gap (see pages 22–23 for details)3 Surgically implanted prostheses (Government prostheses list group benefits 2 )3 Nursing home type patients – Government prescribed benefits are availabletowards non-acute hospital care.20