The Policy Booklet contains the terms and conditions of our Health Insurance policy. Download the policy booklet (PDF).
Protecting your health – Your most valuable asset
Life is for living and not having to worry about the ‘what-ifs’ of something happening to your health.
From broken bones, to impacted teeth or even a stint in hospital, SGIC’s Hospital & Extras Cover Combined has got you covered. So you can get on with living life to the full in South Australia. Get a health insurance quote online today and unworry.
From 1 April 2010, cover and premiums quoted may change. Please contact us before you join for full details of the changes.
Choosing your combined cover
Choose from five levels of Hospital Cover and four levels of Extras Cover to suit your needs. Extras Select Value can only be taken out with a level of Hospital Cover. Don’t forget – by taking out Hospital Cover, you may be able to avoid the Medicare Levy Surcharge.
Suggested Hospital and Extras cover for your life stage
Young and independent
You’re young, fit and healthy, not planning children yet and you are looking for basic, budget-priced cover.
Consider: Hospital Select Value and Extras Select
Hospital Select Value
Designed for healthy young people not planning to have children yet. Save with a lower premium as you don’t pay for services you may not need, such as pregnancy and birth related services and cardiac services (other Excluded Services apply).
Extras Select
Designed for the young, fit and healthy, this cover helps pay for certain services including dental, optical, physio and alternative therapies.
On the career path
Your career is underway and you’re looking after your health. You’d like a little more than the minimum cover level. You also want to be prepared for children in the future.
Consider: Hospital Select Plus and Extras Select Value
Hospital Select Plus
An affordable choice for young couples and families. It includes cover for pregnancy and birth related services while saving you money by excluding other services you may not need at this stage in your life. Includes the Baby Bonus Benefit.
Extras Select Value
This is for those who want higher limits than Extras Select, including limited major dental cover. It is only available in combination with a level of Hospital Cover, making it ideal for young adults who want the security of both Hospital and Extras Cover.
Increased responsibilities
You’ve achieved some of your goals and you’re looking for broader cover. For those of you with children, you’re looking for some extra protection for them too.
Consider: Hospital Value, Hospital Plus and Extras Select Plus and Family 25 option
Hospital Value
A broad cover option designed for families. It gives great value with no excluded services. There is no excess for dependant children or for children covered under the Family 25 option. Includes the Baby Bonus Benefit.
OR
Hospital Plus
This cover has no excluded services and you have a co-payment instead of an excess. The co-payment is capped and is not payable for dependant children or children covered under the Family 25 option. Includes the Baby Bonus Benefit.
AND
Extras Select Plus
This covers a broad range of services including orthodontics and health management aids and appliances, making it perfect for young families.
Family 25 Option
Cost effective cover for your single children who are under 25 and no longer full-time students.
Mature protection
You’re wiser and more experienced so you know you want the best protection for your health.
Consider: Hospital Super Plus, Hospital Plus and Extras Select Super Plus
Hospital Super Plus
Have peace of mind with the highest level of Hospital Cover. There’s no excluded services and no need to pay excesses or co-payments.
OR
Hospital Plus
Don’t be burdened by the worry of exclusions and excesses when you go into hospital. Our Hospital Cover doesn’t exclude any specific services or Treatments and allows you to pay a co-payment rather than an excess for hospital visits.
AND
Extras Select Super Plus
Enjoy the highest level of Extras Cover. It covers the widest range of services including hearing aids and provides the highest level of benefits.
Read our health insurance comparison guide to compare all Hospital and Extras Cover options.
Want to know more?
Call us on 133 234 or refer to our Health Insurance terms & conditions.
View this policy in detail with our Health Insurance policy booklet.
Or to make a health insurance claim, call 133 234 8am-6.30pm Mon-Fri.
Insurance Australia Limited ABN 11 000 016 722 trading as SGIC distributes SGIC Health Insurance. SGIC Health Insurance is provided to you by the insurer MBF Alliances Pty Ltd ABN 89 075 799 236. As the insurer, MBF Alliances Pty Ltd is referred to as the ‘Fund’.

