Silver Plus Hospital from our Premium range gives you extensive cover with better benefit limits and a single room guarantee1. It's a great option if you want cover with better benefits but don't need the top cover.
Take out Silver Plus Hospital cover and your premiums are reduced by excluding some services you may not need.
Exclusions
To reduce the premium, Silver Plus Hospital excludes the following services:
- Obstetrics
- Joint replacement
- Cosmetic surgery
- IVF and related services
- Cataract surgery and corneal transplants.
What's covered?
Silver Plus Hospital provides cover2 at participating private hospitals for:
- Private hospital accommodation3
- Increased medical gap cover
- Single room guarantee1
- 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 covered2 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.
Increased medical gap cover
Silver Plus Hospital members have access to increased benefits when treated by a participating doctor or specialist if admitted to hospital. As a member on one of our best covers, you will have a higher level of protection by receiving more back on selected services.
There's more information about Medical Gap Cover on the Medical Gap Cover page. We recommend you contact us for a benefit estimate before commencing treatment to confirm the benefit payable.
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.