Kidney and Bladder

What is covered under Kidney and Bladder?

Hospital Cover for Kidney and Bladder includes hospital treatment to investigate and treat the kidney, adrenal gland and bladder. 

Examples include:

• treating kidney stones 
• kidney transplant
• adrenal gland tumour
• renal function tests.

This clinical category includes these treatments listed in the Medicare Benefits Schedule (MBS).

Some treatments you might expect to be in the Kidney and Bladder clinical category are under different clinical categories. For example:

• dialysis is under Dialysis for Chronic Kidney Failure.
• chemotherapy and radiotherapy for kidney or bladder cancer are under Chemotherapy, Radiotherapy and Immunotherapy for cancer.

Which Hospital Cover tiers include Kidney and Bladder?

What does it mean if cover is ‘optional’?

‘Optional’ means that the Australian Government allows insurers to choose whether or not to cover the clinical category under that Hospital Cover tier.

What does ‘restricted cover’ mean? 

Restricted cover means the insurer pays only limited benefits. 

If insurers offer cover for Kidney and Bladder under Basic Hospital Cover, they can do so on a ‘restricted’ basis. If you are admitted as a private patient in a private hospital for treatments under this clinical category, you will face considerable out-of-pocket costs.

Always check with your insurer before agreeing to be treated as a private patient in a private hospital if you have restricted cover for Kidney and Bladder. 

Does Medicare cover Kidney and Bladder?

Yes. Medicare includes all treatments under the Kidney and Bladder clinical category.

If there is an MBS item number for the treatment, Medicare covers it. 

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