This level of hospital cover has an excess that is payable by the member when hospitalised.

Druids Hospital Insurance is designed to suit your needs and your budget. Our Hospital Cover with Excess allows you to reduce the premium by agreeing to pay a small amount of excess whenever you have to go to hospital. However as a reward to our members, Druids Health Insurance actually reduces the amount of excess you have to pay over each of the first three years of your membership.

Payment of the Excess
In the 1st year of membership excess payable is $150 per person with a maximum of $300 for family memberships. In the 2nd year the excess payable is $100 per person with a maximum of $200 for a family membership while in the 3rd and subsequent years, the excess payable is $75 per person with a maximum of $150 for a family membership.

Druids rewards its members' loyalty by reducing the excess payable on this policy. For details on the levels of reduction, go to Contribution Rates for Hospital Cover with Excess.

Private Hospitals with Druids Health Insurance Agreements
After the excess has been paid there will be no out of pocket expenses in hospitals with a Druids Participating Hospital under this table.

Benefits for Hospital Cover with Excess
When treated in a private hospital without a Druids Friendly Society agreement, the following benefits will be payable after the excess if any is paid.

• Accommodation benefits of up to $567 per day
• Day Hospital benefits
• Lithotripsy treatment up to $900
• Operating theatre/labour ward fees of up to $1000 for advanced surgery and up to $600 for other services.

The table also includes a rebate for Surgically Implanted Prosthesis. Hospital in-patient doctors bills attract the standard Medical Gap benefit of 25% of the Commonwealth Medical Benefits Scheduled Fee.

Where your doctor is willing to participate in the Simplified Billing process an additional 20% above the Commonwealth Medical Benefits Schedule will be paid for the services provided .(Pathology and Radiology excepted.)

If you are treated in a public hospital as a private patient by a doctor of your choice, the Society will pay the full cost of a shared ward after the excess has been paid.