The Policy Booklet contains the terms and conditions of our Health Insurance policy. Download the policy booklet (PDF).
How do levels of Hospital and Extras Cover compare? The health insurance cover options tables help you to compare The Fund's levels of Hospital Cover and Extras Cover. It's easy to decide which cover option is right for you. Our Health Insurance cover options table shows you what each health insurance policy offers. It’s easy to make sure that you have the right insurance for you.
How do levels of Hospital Cover compare?
| Hospital Select Value | Hospital Select Plus | Hospital Value | Hospital Plus | Hospital Super Plus | |
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| Emergency ambulance transport (where provided by a Fund-recognised provider) |  |
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| Same day admission (day surgery) | |
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| Intensive care | |
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| Operating theatre | |
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| Shared accommodation (single room if available) | |
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| Most pharmaceuticals (directly associated with your admission to hospital) | |
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| Physiotherapy, occupational therapy, speech therapy provided as part of the hospital agreement with the Fund | |
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| Approved home nursing benefit up to $75 per day, up to 65 days per person per year | |
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| Pregnancy and birth related services including assisted reproductive services* |  |
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| Baby Bonus Benefit | n/a | |
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| Cardiac and cardiac related services (eg bypass surgery and invasive cardiac procedures) | |
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| Cataract and eye lens procedures | |
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| Joint replacement including revisions (eg shoulder, elbow, hip and knee replacements) | |
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| Renal dialysis for chronic renal failure | |
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| Unemployment cover |
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| Excess or Co-payment |
Choose a $250, $500 or $1,000** excess | Choose a $250, $500 or $1,000** excess | Choose a $250, $500 or $1,000** excess. (Excess applies for adult hospital admissions only) | Co-payment of $50 per night, up to $250 per stay (Co-payment applies for adult hospital admissions only) | n/a |
For more detailed information on what is covered under Hospital Cover, please read the policy booklet (PDF).
= Excluded Services.
Please note that, should you require treatment for a service which is excluded from your level of cover, no benefits are payable by the Fund for any of the hospital and doctors’ charges associated with that admission.
* Please note most assisted reproductive services are out-patient procedures which are not covered by any level of the Fund’s Hospital cover.
** Please note that choosing an excess of $1,000 will not help you avoid the additional 1% Medicare levy.
How do levels of Extras Cover compare?
| Extras Select | Extras Select Value | Extras Select Plus | Extras Select Super Plus | |
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| Preventive dental, general dental, optical, Wellness Program, physiotherapy, chiropractic, osteopathy, pharmaceutical, alternative therapies, Accident Cover and Emergency ambulance transport (all as detailed in the policy booklet) | |
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| Extended list of other therapies |
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| Major dental |
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| Orthodontics |
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| Health management aids and appliances |
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| Hearing aids |
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| Rolling Limits |
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| Can be purchased: | on its own or with Hospital Cover | only with Hospital Cover | on its own or with Hospital Cover | on its own or with Hospital Cover |
For more detailed information on waiting periods, limits and set benefits for Extras Cover, please read the Extras Benefits summary table in the policy booklet (PDF).
Call The Fund on 133 234 if you would like help with choosing the right cover for your needs.
Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance distributes NRMA Health Insurance. NRMA Health Insurance is provided to you by the insurer MBF Alliances Pty Ltd ABN 89 075 799 236. As the insurer, MBF Alliances Pty Ltd is referred to as the ‘Fund’.