It is payable once per membership year should you make a hospital claim. The benefits below are paid after you pay the excess amount. The difference between the Medicare benefits and the Schedule Fee for inpatient services. If your doctor agrees to participate in the fund s No Gap Scheme, then you will not be out-of pocket for medical services. And there are no theatre of labour ward benefits for these services You are however covered in full for these services in a public hospital with the doctor of your choice.
Details regarding the waiting periods applicable are available here .
The cover also includes many free benefits and services designed to support your good health.