Get one month free* and no 2 & 6 month waits on extras when joining on combined cover by June 30. *T&Cs apply.

What is Silver Hospital cover?

Silver Hospital is a mid-to-high level health insurance category that covers a wide range of hospital services, but with some exclusions to keep your premium low. 

Silver cover is a great option if you want extensive hospital insurance but don't need it for everything (e.g. you don't need cover for pregnancy). 

Understanding hospital cover levels

Finding the right hospital insurance for you can be overwhelming. That's why the Australian Government introduced a tiers system to help you identity and compare similar hospital covers across health providers.

Hospital insurance is broken down into four tiers Basic, Bronze, Silver and Gold. A hospital cover must have a set number of inclusions (or services it covers) to fall within a category.

If a product covers more services than a tier requires (but not enough for the tier above) it is classified as a plus cover e.g. Silver Hospital Plus. Health funds create plus covers to give popular additional services, without the price increase of going up to the next tier.

Rehabilitation Tick.png(R) Tick.png(R) Tick.png(R) Tick.png
Hospital psychiatric services Tick.png(R) Tick.png(R) Tick.png(R) Tick.png
Palliative care Tick.png(R) Tick.png(R) Tick.png(R) Tick.png
Brain and nervous system O (R) Tick.png Tick.png Tick.png
Eye (not cataracts) O (R) Tick.png Tick.png Tick.png
Ear, nose and throat O (R) Tick.png Tick.png Tick.png
Tonsils, adenoids and grommets O (R) Tick.png Tick.png Tick.png
Bone, joint and muscle O (R) Tick.png Tick.png Tick.png
Joint reconstructions O (R) Tick.png Tick.png Tick.png
Kidney and bladder O (R) Tick.png Tick.png Tick.png
Male reproductive system O (R) Tick.png Tick.png Tick.png
Digestive system O (R) Tick.png Tick.png Tick.png
Hernia and appendix O (R) Tick.png Tick.png Tick.png
Gastrointestinal endoscopy O (R) Tick.png Tick.png Tick.png
Gynaecology O (R) Tick.png Tick.png Tick.png
Miscarriage and termination of pregnancy O (R) Tick.png Tick.png Tick.png
Chemotherapy, radiotherapy & immunotherapy for cancer O (R) Tick.png Tick.png Tick.png
Pain management O (R) Tick.png Tick.png Tick.png
Skin O (R) Tick.png Tick.png Tick.png
Breast surgery (medically necessary) O (R) Tick.png Tick.png Tick.png
Diabetes management (excluding insulin pumps) O (R) Tick.png Tick.png Tick.png
Heart and vascular system O (R) O Tick.png Tick.png
Lung and chest O (R) O Tick.png Tick.png
Blood O (R) O Tick.png Tick.png
Back, neck and spine O (R) O Tick.png Tick.png
Plastic and reconstructive surgery (medically necessary) O (R) O Tick.png Tick.png
Dental surgery O (R) O Tick.png Tick.png
Podiatric surgery (provided by a registered podiatric surgeon) O (R) O Tick.png Tick.png
Implantation of hearing devices O (R) O Tick.png Tick.png
Cataracts O (R) O O Tick.png
Joint replacements O (R) O O Tick.png
Dialysis for chronic kidney failure O (R) O O Tick.png
Pregnancy and birth O (R) O O Tick.png
Assisted reproductive services O (R) O O Tick.png
Weight loss surgery O (R) O O Tick.png
Insulin pumps O (R) O O Tick.png
Pain management with device O (R) O O Tick.png
Sleep studies O (R) O O Tick.png


Tick.png  - Minimum requirement of the product tier
(R) - Insurers are allowed to offer cover for this clinical category on a restricted basis/with limited benefits
 O  - Optional for insurer to include - not a minimum requirement of the product tier

Benefits of Private Health Insurance

Your choice of a private room with GMHBA health insurance

Option to be treated as a private patient

With private health insurance, you have the option of being treated as a private patient, often within a private hospital. 

Choose your own doctor with private health insurance

Your choice of doctor when you need it

Hospital cover gives you the option to choose your own doctor or specialist. You might also reduce hospital wait times by having the choice to receive your treatment as a private patient.

Medicare Levy Surcharge (MLS)

Earn over $90k as a single or $180k as a couple? Did you know that getting hospital cover may save you money at tax time? Learn more

Pricing covers Single, aged 30 living in VIC earning $90,000 or less, base tier government rebate. Excludes . Prices and displayed products can change if details vary.

How does silver hospital cover compare?


Can't find the cover you're looking for?

If you are looking for a different type of health insurance check our full range of covers available. We have hospital only, extras only and combined health insurance covers so you can find the right one for you.

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.


Why switch to GMHBA

Through our personalised approach and exceptional customer service, we put the health and wellbeing of our members and communities first.

60 Day money back guarantee
Over 85 years as a not-for-profit health insurance provider
We can do the paperwork, arrange the transfer and you can have continuity of cover

Need some help?

Can't find what you are looking for? Visit our help page or contact our friendly customer service team.