What policy do I need to be covered for in-patient psychiatric services in a hospital?

Our Gold-tier Hospital cover is currently the only policy which offers unrestricted cover for Hospital Psychiatric Services. If you have Gold-tier Hospital cover, we’ll cover you as a private patient for the cost of accommodation and a portion of the medical fees. There may still be some out-of-pocket costs and we encourage you to contact us to discuss how we can best support your treatment.

Cover for Hospital Psychiatric Services is a restricted service on our Basic, Bronze, Silver and Silver Plus tier hospital policies. Restricted services are covered only to a limited extent and large out-of-pocket expenses will apply.

If you need to access these services and you need to upgrade your level of cover to do so, you may be eligible for the mental health waiver, allowing you to upgrade without needing to serve the two-month waiting period.