Silver Hospital Cover (SH0, SH1, SH2)

GMHBA's Silver Hospital cover is a great option for people looking to be covered in a private hospital but don't want top hospital cover. By taking out Silver Hospital you reduce your premium as you agree to exclude some services you may not need. Silver Hospital cover is available to families, couples, singles and single parents.

Exclusions

To make our Silver Hospital cover more affordable, no benefits are payable for obstetrics, joint replacement, cataract surgery, cosmetic surgery and IVF and related services. Other than these benefit exclusions, GMHBA's Silver Hospital cover provides all the benefits of Gold Hospital cover.

Excess

Our Silver Hospital cover is available with either:

• Level 0 nil excess (SH0) or
• progressively lower premiums in return for admission excesses of:
  • Level 1 $250 (SH1) or
  • Level 2 $500 (SH2)

Excess options table	Level 0	Level 1	Level 2
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

Unlike Gold Hospital cover and Silver Hospital Single Parents cover the excess applies for child dependants on all Silver Hospital covers.

What’s covered?

For services not listed under ‘exclusions’ Silver Hospital provides cover* at participating private hospitals for:

• Accommodation - shared private room
• Theatre
• Intensive and coronary care
• Same day treatment
• Surgically implanted prostheses (Government prescribed benefits)
• Medical gap
• Other agreed charges.

Public hospitals

For services not listed under ‘exclusions’ you are covered* for hospital accommodation costs when you are admitted to a private or shared room (subject to bed availability) as a private patient in a recognised public hospital (less your excess).

Other private hospitals

Fixed benefits are payable in non participating private hospitals. See Important Information, visit a branch or call 1300 4 GMHBA (46422) for more details.

Waiting periods

Please refer to the April 2009 Member Guide for information regarding waiting periods and pre-existing conditions or go to Important Information on this website.

The Member Guide also includes all the up-to-date information on the benefits, exclusions and limitations of all our covers.