You can reduce your premium by selecting one of the following calendar year excess options:
|Admission excess (private hospital - overnight)
|Admission excess (public hospital or day stay)
|Maximum annual excess - per person
|Maximum annual excess - singles
|Maximum annual excess - families
Unlike Platinum, Gold, Silver Hospital Single Parents covers, an excess applies for child dependants on Silver Everyday.
To find out more about excess payments see the Excess page
Waiting periods, benefit limitation periods, and pre-existing conditions
Waiting periods, and rules around pre-existing conditions apply to all GMHBA's Hospital covers, and some levels of cover also include benefit limitation periods. Please read the Waiting Periods page for a general overview. For more detailed information you should read the Waiting Periods and Pre-existing Conditions section of Important Information in the GMHBA Member Guide.