Before going to hospital
John Connor avatar
Written by John Connor
Updated over a week ago

Access Gap Cover Scheme

Members with private hospital cover can eliminate or reduce out-of-pocket expenses for in-patient hospital treatment where the doctor participates in our Access Gap Cover Scheme. We currently have agreements with over 36,000 doctors who participate in the Access Gap Scheme. It is each doctor’s choice to participate.

Before booking any treatment, you should ask your doctor to explain the costs involved for your hospital admission, any fees or gaps you may be charged, including anaesthetist and assistant surgeons. If there are any gaps for you to pay, ask for a written cost estimate. This is known as Informed Financial Consent.

Doctor & Hospital Search

Looking for a doctor that participates in the Access Gap Cover Scheme? Or want to check out what hospitals we have agreements with?

You can quickly search for a doctor or specialist by visiting our health partner, Phoenix health fund's search tool.

Going to Hospital?

This is what we know and where we can really help you out. As soon as you find out you’ll need a hospital admission contact us so you can be confident in what to expect. We’ll talk you through minimising doctor’s fees and any other out-of-pocket costs as well as check your cover and discuss any pre or post-hospital support programs that we may have available for you.

Let us help you, so you can focus on what’s important; we’re here for you.

What do I need to ask my Doctor?

Before any treatment, we recommend you ask your doctor these 3 questions;

  1. Will you participate in our health partner's Phoenix Health Fund Access Gap Cover scheme for my procedure?

  2. Will I have any out-of-pocket expenses, and if so, please provide a written estimate of how much?

  3. Will any assisting doctors also use Access Gap Cover and if so, how can I obtain a quote for their services?

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