Settling your account

LDS is contracted with the vast majority of private Health Funds, we are also Department of Veteran’s Affairs approved and we are a preferred provider for the Department of Defence.

If you have top level health insurance, your Health Fund should pay for your stay with us in full, however if you have an excess or are only covered for Public Hospital, you will have an out of pocket expense.

If you do not have Private Health Insurance you will need to pay for your procedure in full.

If your account is subject to Worker’s Compensation or Third Party claim, approval must be sought prior to your admission.

All accounts need to be paid on the day of your admission. You can pre pay if you wish.

The following methods of payment are accepted:

If you would like to discuss any aspect of your account please phone our friendly reception staff on 9601-4488 or you can e-mail your inquiry to

Am I adequately covered for private hospital care?

Will my private health insurance cover me for private hospital care when I need it?
Some patients are surprised to find that they are not fully covered for the care they need in private hospitals. They may not be covered for things like cardiac surgery, joint replacement or dialysis. If your private health insurance policy contains exclusions or restrictions then you may not be able to access some services in private hospitals.

We encourage you to check your policy regularly to ensure that it is current and relevant for your circumstances and that you and your family can access private hospital care when you most need it.

What are exclusions & restrictions?

Exclusions are specific treatments or services not covered by your health insurance policy. Exclusions will be specifically stated on your policy and can include services like eye surgery or major joint surgery. Insurers can exclude any medical service except for psychiatric, rehabilitation services and palliative care. There is no limit to how many different services an insurer can exclude.
Restrictions apply to specific treatments or services that are only partially covered. There are several types of restrictions that can appear on a policy:

Insurers generally impose the following waiting periods for a policy to be a complying health insurance policy:

If you are unsure about waiting times contact your insurer.

My ‘peace of mind’ checklist:

To make sure that you are adequately covered for treatment in a private hospital, we suggest you:

The Private Health Insurance Ombudsman recommends considering taking a higher level of excess, rather than a restriction or exclusion, to save money on premiums.