Hospital fees

If you have private health insurance, it’s important to confirm the following details with your insurer before your admission to hospital:  

• Is my procedure or treatment covered by my hospital policy? Are there exclusions, restrictions or waiting periods?  
• Is my treatment covered under a no-gap or gap cover scheme?  
• Will I need to pay excess, co-payment or out-of-pocket costs? If so, how much?  
• Are prosthetic devices or other medical equipment covered?  
• Does my insurer have an agreement with the hospital where I’ll be admitted?  
• What insurance benefits apply to hospital costs, doctor’s fees and associated services?  
• Are there any additional charges for doctors’ fees or related services?  

Note: If you’ve had private health insurance for less than 12 months, your insurer may not cover pre-existing conditions or related symptoms.   

Any out-of-pocket costs, such as your excess or co-payment, must be paid before or on admission. 

Your comfort is an important part of your stay at a Ramsay hospital. Some of our hospitals apply a $25 fee for incidentals to cover additional services such as high-speed Wi-Fi and pay television access. 

For same-day patients: 

• The $25 fee for incidentals does not apply.

For overnight patients: 

• Privately insured patients: Check with your health insurer, as they may cover all or part of this fee.
• Repatriation (DVA) & WorkCover patients: This fee does not apply.
• Third party, overseas and self-insured patients: Please confirm with the hospital if this fee applies to you.

Wi-Fi access: 

• Many of our hospitals offer complimentary WiFi. Please ask your care team for more information when you are admitted.

We offer international patients access to Australia’s most extensive private hospital network through our Travel for Treatment service. 

If you have overseas health insurance, you must pay the estimated hospital costs before or on admission. 

Our doctors provide a wide range of diagnostic and treatment options across disciplines such as: 

• bariatrics
• cardiology
• colorectal surgery
• ENT (Ear, Nose and Throat)
• executive health checks
• general surgery
• gynaecology
• orthopaedics

Our partners

Medicision Pty Ltd

MyMedChoices

• DVA gold card holders: Covered for all treatments.
• DVA white card holders: Covered for approved treatments, subject to DVA approval.

You can access healthcare without private health cover by self-funding your procedure or surgery.  

As a self-funded patient, you are required to pay the estimated hospital costs before or on admission.  

Self-funded process 

1. Contact us for information about our locations and specialists.
2. Visit your GP to get a referral to a specialist.
3. Discuss treatment options with your specialist.
4. Contact us for a personalised quote.
5. Complete your payment and prepare for your surgery.

Contact Us

Similar to WorkCover patients, estimated hospital costs must be paid unless the hospital has received approval from your insurance company.  

Unless your insurance company provides payment approval, you or your nominated representative must pay the estimated hospital costs before or on admission.  

Once we process your admission paperwork, we will provide you with an estimate of patient costs.

While we strive to provide accurate estimates, unexpected factors – such as changes in treatment or extended hospital stays -– may result in additional costs. 

Some costs that may not be covered by your insurer include: 

• ambulance transfers
• non-medical services (e.g. hairdresser, beauty services)
• non-PBS and discharge medications
• interpreter or special communication services
• boarder accommodation, visitor meals or personal items
• non-Medicare rebateable items or services
• pathology, radiology, pharmacy or allied health services (e.g. physiotherapy)

You may also receive separate bills from other providers involved in your treatment, such as: 

• doctors including surgeons and anaesthetists
• emergency centre services
• radiology or pathology services