Inpatient services are covered private health insurance, but outpatient services usually aren’t.
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*Prices updated November 2024, in line with Finder's database of health insurance policies. Prices reflect the cheapest available for a single individual with less than $97,000 income and living in Sydney with a $750 excess.
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An inpatient service is any treatment you receive once you've been formally admitted to a hospital — either as a day or overnight patient. Most treatments are covered by Medicare and private health insurance. Outpatient services, on the other hand, includes anything where you're not formally admitted to hospital and isn't usually covered by your private health insurance.
What is outpatient care?
Outpatient care is when you receive medical treatment without being formally admitted to hospital.
Outpatient clinics are usually located in public hospitals, doctor's consulting rooms or community health centres. They include a range of procedures, including emergency department treatment of injuries, mental health services and x-rays. Procedures and services classed as outpatient care include:
Emergency ward treatment when you haven't been formally admitted
GP visits
Consultations with specialists
Antenatal consultations with an obstetrician
Diagnostic services such as pathology, x-rays, ultrasounds and other organ imaging
Drug and alcohol services, including group sessions
District and community nursing services
Mental health services
Dispensing medication
Dialysis
What is inpatient care?
Inpatient care is when you're formally admitted to hospital for treatment. Generally, this is when you're pre-booked in for surgery or you visit the emergency room in critical condition. It can include overnight or day admissions.
Inpatient care tends to cover a range of more serious services and procedures, such as:
Emergency room patients who are admitted to hospital
Intensive care
Surgical treatment for a wide range of injuries or conditions, for example heart surgery, joint reconstructions and appendix removal
Some cancer treatments
In-hospital pharmaceuticals
Does private health insurance cover outpatient services?
No. When you receive treatment as an outpatient, in most cases you won't be covered by private health insurance.
You will instead need to rely on cover from Medicare, which provides benefits for things like GP visits, specialists' consultation fees, X-rays and pathology, and eye tests performed by optometrists.
Medicare covers 85% of the Medicare Benefits Schedule (MBS) fee for visits to the doctor that occur outside of hospital, but if you visit a doctor who bulk-bills then you may not have to pay anything.
Natural therapies, for example acupuncture or naturopathy
What types of inpatient services does private health cover?
Private health insurance hospital cover policies pay benefits towards a wide range of treatments. While the exact list of procedures and services covered varies depending on the level of cover you choose — basic, bronze, silver and gold — most Australian private health funds pay benefits to cover the following inpatient medical costs:
Hospital accommodation, including for day surgery and overnight stays
Theatre and surgical fees
Doctors' and specialists' fees
In-hospital pharmaceuticals and dressings
Surgically implanted prostheses
Intensive care
Diagnostic tests
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
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To get a copy of your results for later, add your email below
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
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Gary Ross has written 648 Finder guides across topics including:
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
