Silver Plus Hospital
There is plenty to love when you take charge of your health.
With multiple excess options available, this covers you for all the important things and a little bit more.
Our Silver Plus Hospital products give you top private Hospital cover for the clinical categories covered, with the choice of a $250, $500, or a $750 excess.
This product provides members with cover for more than the minimum clinical category services for a Silver tier product however it has more exclusions than our Gold cover options.
The clinical category of hospital psychiatric services is a restricted service meaning the benefit is limited, once the excess is deducted, to the public hospital shared ward room rate if you elect to be treated as a private patient in a public hospital. There is very limited cover for a restricted service in a private hospital. If you do elect to be treated in a private hospital for the restricted services significant out-of-pocket costs will apply. Some clinical categories are excluded from cover and therefore no benefit is payable.
You can also combine this product with a stand-alone extras cover to tailor your own combined hospital and extras package.
For all Silver Plus Hospital products, the full excess for adults applies to both same-day and overnight hospitalisations. The excess does not apply to child dependants covered on the policy.
For information on waiting periods, including pre-existing conditions, exclusions, restrictions, co-payments and or excesses, visit our membership conditions.
A full list of contracted private hospital and day-hospital facilities contracted with St Lukes can be found here.
| Hospital Cover Benefits | Silver Plus Hospital 250, 500 and 750 |
| Full cover for hospital accommodation and theatre fees in all contracted private hospitals and day hospital facilities within Australia (medical certification is required after 35 continuous days in hospital). | Yes |
| Benefits will be paid at no less than the minimum benefit when you elect to be treated as a private patient in all public hospitals within Australia. | Yes |
| Benefits towards approved surgically implanted prostheses. | Yes |
| The gap between the Medicare benefit and the Medicare Benefit Schedule (MBS) fee for medical services performed while you are an inpatient in hospital. | Yes |
| Additional gap cover benefit for medical services provided by practitioners participating in St.LukesHealth Medical Gap. | Yes |
| Benefits towards uncontracted private hospitals (patient gaps may apply, you should check with St Lukes before being admitted to an uncontracted hospital). | Yes |
| No waiting periods apply if switching to an equivalent or lower level of cover. | Yes |
| Full cover for intensive care in all contracted private hospitals (medical certification is required). | Yes |
| Full cover for coronary care in all contracted private hospitals (medical certification is required). | Yes |
| Hospital accommodation for podiatric surgery (doesn't include doctors' fees). | Yes |
| Excess applies for overnight hospitalisations. | Yes |
| Excess applies for same-day hospitalisations. | Yes |
| No excess on hospitalisations for child dependants. | Yes |
| Exempts high income earners from having to pay the additional Medicare Levy Surcharge. | Yes |
| Access to our Private Postnatal Care Service for Northern Tasmanian members. | No |
| No excluded services. | No |
| Cosmetic surgery and other surgical procedures not covered by Medicare. | No |