Silver Everyday Package from our specially designed combined packages offers you private hospital and essential extras cover for peace of mind. It's a great package if you want extensive hospital cover, but not the top, that includes obstetrics and IVF related services as well as a broad range of extras. Your premiums are reduced by excluding some hospital services you may not need.
Exclusions
To reduce the premium, Silver Everyday Package excludes the following services:
- Joint replacement
- Cosmetic surgery
- Cataract surgery and corneal transplants
What's covered?
For services not listed under 'exclusions' the Silver Everyday Package provides cover1 at participating private hospitals for:
- Private hospital accommodation2 in a shared or single room (where available)
- Medical gap
- Delivery suite
- Theatre
- Intensive and coronary care
- Same day treatment
- Surgically implanted prostheses (Government prescribed benefits)
- Other agreed charges
Public hospitals
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
By taking the Silver Everyday Package, you agree to pay an excess. The excess reduces your premium and you won't pay the excess unless you are admitted to hospital.
| Admission type |
Excess |
| Admission excess (private hospital - overnight) |
$250 |
| Admission excess (public hospital or day stay) |
$125 |
| Maximum annual excess - per person |
$250 |
| Maximum annual excess - singles |
$250 |
| Maximum annual excess - families |
$500 |
To find out more about excess payments see the Excess section in Important Information.
An excess applies for child dependants under 21 on the Silver Everyday Package.
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.
Extras
The Silver Everyday Package provides benefits for the services listed on the Compare Package Covers page. Please read the comparison tables on that page in conjunction with the rest of the GMHBA Member Guide before making your decision about which cover is right for you.
Dental benefit limitation
For new memberships (no previous extras cover) or where 12 months continuous dental cover has not been in existence, all dental benefits will be limited to $200 per person/single membership and $400 per family membership during the first 12 months of membership with GMHBA.
Compare all GMHBA's combined packages
The Compare Package Covers page lists GMHBA's combined package covers. The page provides a quick overview of what is included in each package.