Payment Information

It is important that you approach your admission to hospital well informed of your financial obligations. Please read the following information and contact your hospital if you have any concerns or queries.

Use the links below to jump to information quickly:

Insurers

• Privately Insured Patients
• Repatriation (DVA) Patients
• WorkCover Patients
• Third Party Patients
• Overseas Patients
• Self-Insured Patients

FAQ’s

• How do I know what the hospital costs will be?
• What costs could I incur that may not be covered by my insurer?
• How do I pay?

Informed Financial Consent & Your Gap Checklist

• Informed Financial Consent
• Your Gap Checklist

Insurers

Privately Insured Patients

Please confirm with your private health insurer prior to your admission to hospital:

• Does my hospital policy cover me for this procedure / treatment, or is there any exclusions, restrictions or waiting periods that apply (See Am I adequately covered for private hospital care brochure)?
• Is my procedure / treatment covered by a no-gap or gap cover scheme?
• Do I have to pay an excess, co-payment or any other gap under my hospital policy? If so, how much?
• Are any surgically implanted prosthetic devices or other medical devices not covered by my hospital policy?
• Do you have an agreement with the hospital I am going to be treated in?
• What are the insurance benefits payable for each of the estimated costs (e.g. hospital costs, doctors’ fees)?
• Do I have to pay extra for my doctors’ fees and those of anyone else involved with my treatment, or is it all covered?

Please note: if you have been a member of your private health insurer for less than 12 months your insurer may not accept liability for the hospital costs associated with your admission (e.g. if your condition or any symptoms of your condition existed prior to your joining your private health insurer or upgrading your level of hospital cover). Any patient costs (e.g. your excess or daily co-payment) must be paid by you or your nominee prior to or on admission to hospital.

Repatriation (DVA) Patients

DVA Gold Card holders are covered for all treatment. DVA White Card holders are covered for treatment subject to approval from DVA.

WorkCover Patients

The estimated hospital costs must be paid by you or your nominee prior to or on admission to hospital, unless the hospital has received payment approval from your insurance company.

Third Party Patients

The estimated hospital costs must be paid by you or your nominee prior to or on admission to hospital, unless the hospital has received payment approval from your insurance company.

Overseas Patients

If you are insured with an overseas insurance company, you will be asked to pay the estimated hospital costs prior to or on admission to hospital.

Self-insured Patients

The estimated hospital costs must be paid by you or your nominee prior to or on admission to hospital.

For more information on self-funding your treatment, please contact: Jacinta Spoormakers, SpoormakersJ@ramsayhealth.com.au, 03 9256 8303

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FAQs

How do I know what the hospital costs will be?

The hospital will provide you with an “Estimate of Patient Costs” which details the estimated hospital costs, insurer benefits (if applicable) and patient costs once they have processed your online admission or admission paperwork.

Whilst every effort will be made to provide you with an accurate estimate of patient costs, the estimate may vary due to unforeseen circumstances, variations from the proposed treatment / procedures, or an extended length of stay in which case additional costs will apply.

What costs could I incur that may not be covered by my insurer?

Costs that you may incur that may not be covered by your insurer include but are not limited to:

• Ambulance transfers;
• Non-medical services (e.g. hairdresser, beauty services etc.);
• Non-admission related, non-PBS and discharge medications;
• Interpreter and hearing or speech impairment services;
• Boarder accommodation / meals and visitors’ meals;
• Non-Medicare rebateable items or services;
• Newspapers / magazines and personal items;
• Aids & equipment;
• Obstetric packages;
• Fee for incidentals (WiFi, Foxtel/Austar or business centre access – please check the hospital website as not all hospitals offer these services);
• Telephone calls and car parking; and
• Other goods or services.

You may also receive accounts from other providers associated with your hospital treatment, these may include:

• Emergency centre attendance (e.g. treatment provided in an emergency centre prior to admission to hospital);
• Treating doctor(s) and surgeon(s);
• Anaesthetist(s);
• Other medical practitioners, consultants or assisting surgeon(s);
• Medical and allied health services (e.g. physiotherapy, occupational therapy);
• Pharmacy (e.g. non-admission related, non-PBS and discharge medications);
• Pathology services (e.g. blood tests); or
• Radiology services (e.g. x-ray’s).

How do I pay?

For your convenience, payments can be made to the hospital:

If you have any further questions, please contact the hospital.

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Informed Financial Consent & Your Gap Checklist