Silver Plus Hospital
Giving you more confidence and peace-of-mind for the things that matter.
Great value hospital cover
Silver Plus Hospital gives you plenty of reasons to feel good about your cover, with a broad range of included hospital treatments, no excess for dependants under 21 or same-day hospital stays, emergency ambulance cover and access to additional GMHBA health support programs, backed by a 60-day money-back guarantee for eligible new members who haven’t made a claim. Plus, we have agreements with over 500 private hospitals across Australia, so no matter where you are, there'll be the care you need.
^Pricing based on Single, aged 30 living in VIC earning $105,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
Great for growing families and the years beyond.
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Silver Plus Hospital
FROM$ 30 .90
Hospital Excess $750A popular choice with a range of services and some exclusions to keep costs down-
No excess for child dependants under 21
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Excess waiver for same day stays
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Heart & vascular system
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Lung & chest
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by a registered surgical podiatrist)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung and chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney failure
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Silver Plus Hospital and SmartCare Starter Boost Extras
FROM$ 37 .35
Hospital Excess $750HOSPITAL FEATURES-
No excess for child dependants under 21
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Excess waiver for same day stays
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Heart & vascular system
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Lung & chest
EXTRAS FEATURES-
100% back on preventative dental and optical
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60% back on other claims
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Annual limit rollover
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by a registered surgical podiatrist)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung and chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney failure
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Annual limit rollover
- Optical
- General dental
- Major dental
- Orthodontics
- Physiotherapy
- Chiropractic
- Osteopathy
- Remedial massage
- Acupuncture
- Myotherapy
- Podiatry
- Orthotic appliances (foot)
- Psychology
- Mental health support
- Audiology
- Hearing aids
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Pressure garments
- Prostheses (non-surgical)
- Orthopaedic appliances
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Silver Plus Premium Hospital
FROM$ 43 .80
Hospital Excess $750High-level hospital coverage with minimal exclusions-
No excess for child dependants under 21
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Excess waiver for same day stays
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Joint replacements
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Cataracts
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by a registered surgical podiatrist)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung and chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney failure
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Why Silver Plus Hospital
Silver Plus hospital offers extensive cover with a broad range of categories for all stages of life. Covering heart & vascular, lungs, chest, and sleep studies and much more for peace-of-mind that matters.
For Silver Plus members, GMHBA offer an Excess waiver for same day stays, and child dependants under 21, helping you save on out-of-pocket costs.
FAQs answered
Silver hospital products are a great option if you are looking for a high level of cover but don't need to be covered for everything. You won’t have to pay a higher premium for services you may not use like pregnancy.
GMHBA has a range of Silver Plus hospital covers, and you can compare the different covers to find out which is the best fit for you.
If you upgrade to a higher level of hospital cover, you will need to serve waiting periods on any services that you have not previously held hospital cover for (and if you haven't served all your waits, they will also be transferred to your new level of cover).
Learn more about waiting periods here
If you're switching on a similar level of hospital cover, you won't have to re-serve waiting periods for services you were already covered for. If you're switching to a higher level of cover, or there are new services in your new cover, you will need to serve waits for these items.
Learn more about waiting periods or switching to GMHBA.
Silver Plus hospital covers are products that contain more services than required for the Silver category.
For example - GMHBA Silver Plus Premium Hospital includes cover for joint replacements, insulin pumps, pain management devices and sleep studies, services that are not a requirement for Silver.
Gold hospital cover is the most comprehensive health insurance on the market, it provides unrestricted coverage for all 38 clinical categories, whereas Silver Plus hospital excludes a limited number of clinical categories, for some making it a more suitable choice of cover.
Caring since 1934
GMHBA was founded by Geelong cement workers who understood the power of community and looking after one another.
More than 90 years later, we're still putting our members first. As a not-for-profit health insurance and care company, we're here to help you find cover that suits your needs and supports your health and wellbeing.
Whatever stage of life you're in, you can count on us to be there when it matters most.
Canstar approved, four years in a row!
GMHBA has done it again with Canstar’s 2025 Winner of Outstanding Value Award – Hospital & Extras Insurance: VIC. We are proud to provide Australians with 5 star health cover for our hospital and extras products.