Silver Hospital Hospital Cover

Affordable hospital cover for a large range of services from $20.75 weekly

Join by 18 October 2020 on eligible Hospital and Extras cover and get 6 weeks free after 6 months with us.

Learn more.

Why choose Hospital cover?

Comfort

Cover for your own private room1

Ambulance cover

Unlimited urgent ambulance by road2

Avoid the waiting list

Get treated3 in a private hospital, and avoid public hospital waiting lists

Family friendly

No excess for kids4

What you're covered for with Silver Hospital

  • Heart and vascular system
  • Gastrointestinal endoscopy
  • Skin
  • Kidney and bladder
  • Bone, joint and muscle
  • Dental surgery
  • Joint reconstructions
  • Gynaecology
  • Tonsils, adenoids and grommets
  • Hernia and appendix
  • Palliative care
  • Rehabilitation
  • Hospital psychiatric services
  • Digestive system
  • Plastic and reconstructive surgery (medically necessary)
  • Ear, nose and throat
  • Male reproductive system
  • Eye (not cataracts)
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Sleep studies
  • Brain and nervous system
  • Pain management
  • Breast surgery (medically necessary)
  • Lung and chest
  • Miscarriage and termination of pregnancy
  • Pain management with device
  • Blood
  • Diabetes management (excluding insulin pumps)
  • Back, neck and spine
  • Implantation of hearing devices
  • Podiatric surgery
  • Insulin pumps

What's not covered on Silver Hospital

Silver Hospital includes cover for a large range of services, however some services are not covered such as:

  • Pregnancy and birth
  • Joint replacements
  • Cataracts

To view the full list of exclusions, view the Silver Hospital product sheet.

If you need cover for any of the excluded services, you may want to compare your other options.

How does Silver Hospital stack up?

Between the diagnosis and the operations, it was about three weeks. He just wanted to get me in as quick as possible.
Lidia
HBF member

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Why trust HBF for your health insurance

Looking after Australians for over 75 years
We always put our members first
We're a not-for-profit organisation, so we focus on giving more back to members

Commonly asked questions

What is hospital insurance?

Hospital insurance, also known as hospital cover, helps cover costs when you go to hospital for surgery and other types of medical treatment.

It helps cover the cost of doctors’ and anaesthetists’ fees, as well as other hospital costs like accommodation, prostheses and theatre fees.

With hospital insurance, you can go to a private hospital for treatment, choose your own specialist and time of treatment, and gain access to a private room (so long as it’s covered on your policy and there’s one available).

When can I start using my hospital insurance?

When you buy hospital insurance for the first time, if you’ve not had it for a long time, or you upgrade to include a new service or procedure, there will generally be a waiting period you need to serve before you can claim.

Waiting periods for hospital insurance generally fall into two buckets: 12 months for pre-existing conditions, pregnancy and birth and 2 months for most other procedures and services.

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What is excess?

An excess is a sum of money you pay upfront before you receive hospital treatment. Generally, the higher your excess, the lower your premium. The excess is paid once per member per calendar year (to a maximum of twice per couple or family policy) no matter how many times you may be hospitalised. The excess applies for day and overnight admissions. You won't be required to pay an excess for any dependent children on your family hospital cover. Basic Hospital Plus has a $500 or $750 excess option available.

How to manage out-of-pockets: Some HBF products have a lower excess option to reduce the amount you pay upfront when you go to hospital, but keep in mind a lower excess generally means a higher premium.

How much will I get back?

Where your treatment is an included service on your hospital cover, your hospital costs will either be fully or partially covered depending on the type of agreement your health fund has with your specialists and hospital.

With HBF, when you’re admitted to hospital for treatment you will get 100% back for the cost of your hospital accommodation and specialists so long as you choose providers that have ‘no-gap’ (otherwise known as ‘fully covered’) agreements with your health fund.

Just be aware of out-of-pocket costs, which can include excess or co-payments, as well any outpatient services.

What does hospital insurance cover?

Hospital insurance helps cover the cost of ‘inpatient’ services—these are treatments you receive when you’re formally admitted to hospital for care, e.g. for surgery.

The specific hospital procedures and services you’re covered for (e.g. chemotherapy, a colonoscopy, tonsil removal, knee reconstructions etc.) depends on the level of hospital cover you choose.

Generally, as your level of hospital cover goes up, so does the number of included services.

What does hospital insurance not cover?

Your hospital insurance cannot cover ‘outpatient’ services—these are treatments you receive when you haven’t been formally admitted to hospital, for example, tests and examinations (like x-rays and blood tests). In most cases, Medicare will help cover these services.

Depending on your level of cover, you may also have exclusions and/or restrictions. If a service is excluded, it’s not covered at all. Restricted services receive the minimum default benefit, which generally means a large out-of-pocket.

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