FREQUENTLY ASKED QUESTION

Hospital cover tiers - Bronze, Silver, Gold and Basic. What are they?

The Australian government classifies hospital cover into four tiers - Gold, Silver, Bronze and Basic. Basic hospital is the lowest level of cover, while Gold is the highest and provides cover for all hospital treatment categories. This tiered system helps you easily compare covers provided by different insurance providers, including HBF, to help you find your best cover match.

Each tier has a minimum list of hospital treatment categories that must be covered; the minimum requirements are set out by the Australian Government. Health funds can choose to offer additional coverage in the Basic, Bronze and Silver tiers. Products with additional coverage have a ‘Plus, or +” in the product name. For example, Silver Hospital Plus - this is a Silver tier product that includes more coverage than the minimum requirements for the Silver tier.

The good thing about HBF is that you can mix and match hospital and extras cover to suit your needs. This means that if you choose to get Basic Hospital Plus, you can match it with any level of extras cover.

Learn more about the hospital cover tiers.