Created specifically for active, healthy singles, Silver Hospital Young Singles provides cover for a range of essential hospital services and allows you to choose your doctor.

Exclusions and limits

To make our Silver Hospital Young Singles cover more affordable, no benefits are payable for obstetrics, joint replacement, cataract surgery, cosmetic surgery and IVF and related services. Benefits for psychiatric and rehabilitation services are payable at the basic (default) level of benefits, which means you’ll have significant out-of-pocket costs.

Excess

Our Silver Hospital Young Singles cover is more affordable because you agree to pay a part of the cost for each hospital  stay - up to $250 in a calendar year. The amount you’ll be required to pay as your excess is:

Admission Type	Excess
Admission excess (private hospital – overnight)	$250
Admission excess (public hospital or day stay)	$125
Maximum annual excess	$250

If you pay the maximum annual excess ($250) 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. If you do not have any admissions to hospital you’ll not pay any excess.

What’s covered?

For services not listed under ‘exclusions and limits’ Silver Hospital Young Singles 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 (see Medical Gap Cover)
• Other agreed charges.

* Please note some private hospitals only have private rooms and co-payments will apply in private room accommodation of $100 per day, capped at 7 days per admission.

Public hospitals

For services not listed under ‘exclusions and limits’ 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.

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 go 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!