When a service is excluded under your hospital cover there will be no benefit payable where the service is the primary reason for admission in a private or public hospital.

Restricted cover provides cover in a public hospital as a private patient. If you have restricted services and you are admitted to a private hospital, there will be no benefit payable for any theatre fee charges and a reduced benefit will apply towards your accommodation fees. This means you may be faced with considerable out-of-pocket costs in a private hospital.