What is Access Gap Cover?

Access Gap Cover eliminates, or substantially reduces, the out-of-pocket expenses that are part of an inpatient hospital stay for people with private health insurance.  

All you have to do is ask your treating specialist or surgeon if they'll bill you under Access Gap. 

If they agree, the maximum you’ll pay is a known gap of up to $500 per doctor per hospital episode ($800 for obstetrics), or agree to no gap at all.  

Specialists aren’t obliged to participate in the scheme, so if they won’t, you can keep looking. 

It's available to Police Health members with Gold Hospital cover and Gold Combined cover*. 

*All benefits may be subject to Waiting Periods, Limits and other conditions. Providers must be recognised by us. Review the cover tables on the Combined, Hospital and Extras pages, and your State Premium and Benefit Guide or contact us for more information.