Silver Hospital cover

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Silver Hospital cover

Silver Hospital cover from our Everyday range gives you extensive cover, with peace of mind. It's a great option if you want to be covered in a private hospital but don't want the top cover.

Take out Silver Hospital cover and your premiums are reduced by excluding some services you may not need.

Exclusions

To reduce the premium, Silver Hospital excludes the following services:

  • Obstetrics
  • Joint replacement
  • Cosmetic surgery
  • IVF and related services
  • Cataract surgery and corneal transplants.

What's covered?

Silver Hospital provides cover1 at participating private hospitals for:

  • Private hospital accommodation2 in a shared or single room (where available)
  • Medical gap
  • Theatre
  • Intensive and coronary care
  • Same day treatment
  • Surgically implanted prostheses (Government prescribed benefits)
  • Other agreed charges

Public hospitals

For services not listed under 'exclusions' you'll be covered1 for hospital accommodation costs when you are admitted to a single or shared room (subject to bed availability) as a private patient in a public hospital.

Excess options

You can reduce your premium by selecting one of the following excess options:

Excess options table Level 0 excess Level 1 excess Level 2 excess
Admission excess (private hospital - overnight) nil $250 $500
Admission excess (public hospital or day stay) nil $125 $250
Maximum annual excess - per person nil $250 $500
Maximum annual excess - singles nil $250 $500
Maximum annual excess - families nil $500 $1,000

To find out more about excess payments see the Excess section in Important Information.

An excess applies for child dependants on all Silver Hospital covers except for Silver Hospital Single Parents cover.

Waiting periods and pre-existing conditions

Waiting periods and rules around pre-existing conditions apply to all GMHBA's Hospital covers. 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.

1 Limited benefits may apply to cosmetic surgery and high cost drugs. Drugs purchased outside of the hospital are not included.

2 Fixed benefits are payable in non participating private hospitals. For more information please refer to the section of Important Information about non-participating private hospitals.