GMHBA’s Silver Hospital Young Couples cover gives you and your partner great private hospital cover... and your choice of doctor.

Exclusions

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

Excess

When you join GMHBA’s Silver Hospital Young Couples cover you agree to pay a part of the cost for each hospital stay up to a maximum annual excess in return for reduced premiums. Once you’ve paid the excess for a hospital stay, you’ll receive all the benefits of Silver Hospital Young Couples cover. If you pay the maximum annual excess in a calendar year there are no more excesses to pay for the remainder of that year regardless of how many times you may be hospitalised.

Admisson Type	Excess
Admission excess (private hospital – overnight)	$100
Admission excess (public hospital or day stay)	$50
Maximum annual excess	$200

What’s covered?

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

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

Public hospitals

For services not listed under ‘exclusions’ you’ll also be 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.

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.

Broader Health Cover

You’ll also be covered for the provision of fund approved hospital substitution and chronic disease management services. For further information call us on 1300 4 GMHBA (46422) or visit a branch.

 * Limited benefits may apply to high cost drugs.Drugs purchased outside of the hospital are not included.

Waiting periods

Please refer to the April 2008 Member Guide for information regarding waiting periods and pre-existing ailments or refer to Important Information on this website.

Simply click the downloads link to download a Member Guide with all the up-to-date information on the benefits, exclusions and limitations of all our covers!