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 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.
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 and Silver Hospital Single Parents covers 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 (see 2009 Member Guide)
- 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.
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!
*Limited beneifs may apply to high cost drugs. Drugs purchased outside of the hospital are not included.