Are You Covered for your Admission?

We would like you to be well informed about the financial consequences of your admission to Bendigo Day Surgery before your admission.

You will need to check that you have adequate Private Health insurance cover for your treatment, and are aware of any out-of-pocket expenses (or gaps).

Find your Health 


Is your Health Insurance Fund Contracted to BDS?

We have contracts with over 30 Private Health Insurance Funds, also with the Department of Veterans Affairs, TAC and Worksafe Victoria.

Bendigo Day Surgery, like many other Private Hospitals and Pathology companies, do not have contracts with Medibank Private or AHM  at this time.

If you are insured with Medibank Private and AHM you can still have your procedure at Bendigo Day Surgery and receive reimbursement from them. We do not charge you more for your procedure at BDS than we receive from other health funds. However you will have additional out-of-pocket costs for your admission, because these funds do not reimburse you for procedure at Bendigo Day Surgery as much as the other Health funds. We regret any inconvenience that this may cause to members of these two Health funds.

Please contact your Health Insurance Fund or reception at Bendigo Day Surgery for further information.

What are "Gaps"?

Healthcare can be expensive. We will try to ensure that you are not surprised by unexpected out-of-pocket or "gap" costs. You should check your policy statement or contact your Health Insurance fund to ensure that your chosen policy covers you. The Reception staff at Bendigo Day Surgery are also there to help, and can do a cover check before your procedure.

Questions about gaps you should ask:

  •  "Is my chosen level of Private Hospital cover adequate for my admission?"
  •  "Will there be any "excess" to pay on my chosen policy?"
  •  "Have I served all qualifying periods? Am I up to date with all my insurance premium payments?"
  •  "Are there any disposable or prosthetic items that my Specialist may use that my Private Health Insurance policy does not cover?"

Department of Veterans Affairs (DVA) Patients

DVA Gold Card holders are covered for ALL fees from Bendigo Day Surgery.

Please contact your Specialist and Anaesthetist to ensure that their fees are covered.

If you have a DVA White Card, we will need to contact DVA to confirm that you are covered by DVA prior to your procedure and that they will pay your account.

If You Do Not Have Private Health Insurance

You can pay your own way to have your procedure at Bendigo Day Surgery. This is called "self-funding".

You will be responsible for all costs. This includes the cost of your treating Specialist and Anaesthetist (some of which you get back from Medicare) and Bendigo Day Surgery (which are not reimbursed by Medicare).There may be additional fees for Pathology services.

Ask your treating Specialist for an estimate of the costs to have your procedure at Bendigo Day Surgery.

If your Doctor can't provide an estimate, please ask your Doctor for an item number for your procedure. You can call Bendigo Day Surgery Reception on (03) 5444 3533 and give us the item number. We can usually send you an estimate of fees and charges for your Bendigo Day Surgery admission - this does not include fees for your treating Specialist or Anaesthetist.

If you are self-funding, you must provide full payment at least 5 business days prior to your admission or your procedure may be cancelled.

Please remember an estimate of costs may not be the final cost. There may be variations from the proposed treatment or unforeseen complications, and the cost may vary. Please ask your treating Doctor if you have any questions.

Bendigo Day Surgery has EFTPOS facilities and accepts Visa and MasterCard.
We do not accept American Express cards.
Open Access Gastroscopy and Colonoscopy at BDS