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Base hospital health insurance
This will cover the costs of surgical and non-surgical treatments in a private hospital. It includes professional fees, hospital stay charges and prescriptions.
If you're considering health insurance, then this is the option you need. It will cover you against a big $50,000 cost that you are unlikely to be able to fund out of your emergency savings.
Policies usually provide separate cover amounts for surgical and non-surgical admissions. These range across insurers, from $25,000 through to $250,000.
You are able to choose the excess (from zero, to several thousand, dollars) which best fits your need. As you get older and premiums get very expensive, a higher excess may help keep the cost manageable.