Updated 4 May 2016


Private Health

Snapshot: The Sovereign Private Health policy covers surgical procedures up to $300,000 per year. What else does it cover?

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Policy details


Insurance type

Hospital and surgery

Financial strength rating

A+ (Superior) A.M. Best


0800 500 108

Core cover

Hospital surgical


Hospital medical


Specialist consultations associated with hospitalisation

Covered under surgical maximum within 6 months of surgery or medical maximum

Specialist consultations not associated with hospitalisation


Major diagnostics associated with hospitalisation

Covered under surgical maximum within 6 months of surgery or medical maximum

Major diagnostics not associated with hospitalisation

$100,000 for angiogram, arthroscopy, capsule endoscopy, colonoscopy, cystoscopy, gastroscopy, hysteroscopy, laparoscopy, myelogram, myocardial perfusion imaging, scintigraphy, PET, CT and MRI scans

Oral surgery

Covered under surgical maximum, excludes routine dental treatments

Minor surgery

$250 per treatment up to $500 for "non-specialist" surgery


Pharmac/non-Pharmac chemotherapy drugs

Additional cover

Physiotherapy after being discharged

Covered under surgical maximum for in-hospital physio only

Post-op home nursing

$300 per day up to $3000

Overseas treatment

Cover up to policy maximums in Australia or if waiting period in NZ is 6 months or more; $30,000 if treatment unavailable in NZ

Suspension of cover

Overseas: 2-12 months; unemployment: 2-6 months

Accommodation for parents

See "travel and accommodation benefit"

Travel and accommodation benefit

Transport and accommodation: $300 per day up to $3000 for you and a support person if treatment over 100km from home

Public hospital benefit

After 2 nights, $300 per day up to $3000 (+ 1 year's free cover if treatment could've been performed in private hospital)

Death/funeral benefit

$2500 if insured dies aged 21-59

Alternative medical providers


Guaranteed wordings


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