Why is Silver Hospital insurance a good choice?

Silver Hospital insurance gives you all the value-added inclusions and benefits of our Bronze Plus cover, then takes it up a level, while keeping your premiums down.

You’re covered for a host of everyday services, like tonsil, adenoid and appendix removal, hernia repairs, joint reconstructions and dental surgery, plus blood, heart, lung and spinal treatments, cancer treatments and more.

With Silver Hospital you'll get:

  • Choice of preferred hospital and treating doctor

    Your choice of hospital and treating doctor or specialist

  • Cover for heart and vascular system

    Heart and vascular system, including heart failure, heart attack and varicose veins

  • Cover for back, neck and spine conditions

    Back, neck and spine conditions, including spinal fusion

  • Additional services

    Surgical removal of tonsils, adenoids and appendix, as well as hernia repairs, podiatric surgery, cancer treatment and more. 

Silver Hospital is a great choice for single people, couples and families who are looking for mid-level cover, especially if you’re thinking you might want to upgrade to maternity cover in the future. It also includes at-home hospital services such as chemotherapy, rehabilitation, complex wound management (home nursing) and chronic health disease management. 

In the meantime, you’re covered for everything in our value-packed Bronze Plus hospital insurance and a whole lot more. From everyday conditions and treatments like hernias, tonsils, adenoids, appendix, dental and reconstructive surgery, through to medical issues with your heart, vascular system, blood, heart, lungs and neck, it’s covered with Silver Hospital.

Mid-level hospital cover that’s great value

Big on coverage but easy on your budget, Silver Hospital is our mid-level cover – ideal for singles, couples and families looking for great all-round hospital cover.

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What's included?

There’s more info about Silver Hospital below. Alternatively, download our Silver Hospital fact sheet for more details or use our hospital cover comparison table to see how Silver Hospital compares.

Key:
  • Included
  • Restricted
  • Excluded

Private hospital - shared room

This provides cover for the cost of a shared room in an HIF-contracted private hospital anywhere in Australia.

Public hospital - shared room

This provides cover for the cost of a shared room in a public hospital anywhere in Australia.

Brain and nervous system

Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.

Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Eye (not cataracts)

Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.

For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.

Cataract procedures are listed separately under Cataracts.

Eyelid procedures are listed separately under Plastic and reconstructive surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Ear, nose and throat

Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.

The implantation of a hearing device is listed separately under Implantation of hearing devices.

Orthopaedic neck conditions are listed separately under Back, neck and spine.

Sleep studies are listed separately under Sleep studies

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Tonsils, adenoids and grommets

Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.

Bone, joint and muscle

Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.

Chest surgery is listed separately under Lung and chest.

Spinal cord conditions are listed separately under Brain and nervous system.

Spinal column conditions are listed separately under Back, neck and spine.

Joint reconstructions are listed separately under Joint reconstructions.

Joint replacements are listed separately under Joint replacements.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Joint reconstructions

Hospital treatment for surgery for joint reconstructions.

For example: torn tendons, rotator cuff tears and damaged ligaments.

Joint replacements are listed separately under Joint replacements.

Bone fractures are listed separately under Bone, joint and muscle.

Procedures to the spinal column are listed separately under Back, neck and spine.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Kidney and bladder

Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

For example: kidney stones, adrenal gland tumour and incontinence.

Dialysis is listed separately under Dialysis for chronic kidney failure.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Male reproductive system

Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

For example: male sterilisation, circumcision and prostate cancer.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Digestive system

Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

Endoscopy is listed separately under Gastrointestinal endoscopy.

Hernia and appendicectomy procedures are listed separately under Hernia and appendix.

Bariatric surgery is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Hernia and appendix

Hospital treatment for the investigation and treatment of a hernia or appendicitis.

Digestive conditions are listed separately under Digestive system.

Gastrointestinal endoscopy

Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).

Non-endoscopic procedures for the digestive system are listed separately under Digestive system.

Gynaecology

Hospital treatment for the investigation and treatment of the female reproductive system.

For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

Fertility treatments are listed separately under Assisted reproductive services.

Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.

Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Miscarriage and termination of pregnancy

Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.

Chemotherapy, radiotherapy and immunotherapy for cancer

Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system.

Pain management

Hospital treatment for pain management that does not require the insertion or surgical management of a device.

For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.

Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.

Skin

Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.

For example: melanoma, minor wound repair and abscesses.

Removal of excess skin due to weight loss is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Breast surgery (medically necessary)

Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Diabetes management (excluding insulin pumps)

Hospital treatment for the investigation and management of diabetes.

For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.

Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.

Treatment for ulcers is listed separately under Skin.

Provision and replacement of insulin pumps is listed separately under Insulin pumps.

Heart and vascular system

Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Lung and chest

Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Blood

Hospital treatment for the investigation and treatment of blood and blood-related conditions.

For example: blood clotting disorders and bone marrow transplants.

Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Back, neck and spine

Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.

Joint replacements are listed separately under Joint replacements.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal cord conditions are listed separately under Brain and nervous system.

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Plastic and reconstructive surgery (medically necessary)

Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident or congenital.

For example: burns requiring a graft, cleft palate, club foot and angioma.

Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Dental surgery

Hospital treatment for surgery to the teeth and gums. For example: surgery to remove wisdom teeth, and dental implant surgery.

Please note: If you undergo surgery by a recognised dentist in a hospital, you can claim benefits for theatre, accommodation and anaesthetist costs. If your dentist isn't a recognised medical surgeon, benefits towards your dentist's fees will only be paid if you also hold a suitable Extras product in addition to your Hospital cover.

Podiatric surgery

Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:

  • accommodation; and
  • the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.

Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so.

Implantation of hearing devices

Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Stapedectomy is listed separately under Ear, nose and throat.

Choice of hospital excess

On all Hospital covers, Members can select from a range of excess options to reduce their premium. Please see the table further down this page for a full comparison, or refer to the individual product factsheets for more details on the excesses that apply.

HIF Second Opinion 

HIF Second Opinion is a free service for HIF members with Silver Plus or Gold Star Hospital and/or Premium Options Extras cover. It gives you access to the Best Doctors' network of the world's leading medical specialists, enabling you to get a free second opinion on any diagnosis, condition or treatment. Plus, eligible HIF members get free access to the Best Doctors' online medical advice portal, giving you the opportunity to submit questions to a panel of experienced Australian GPs, access expert insights and use their online symptom checker.

AccessGap Cover

Did you know... doctors can charge more than the Medicare Benefits Schedule (MBS)? And if they do, their patients will incur an out of pocket expense for the difference between the fee charged and the MBS. The good news is that HIF’s medical gap cover arrangement, AccessGap, is designed to minimise or eliminate these out of pocket expenses for inpatient medical services in a registered overnight hospital or day facility.

Mental Health Navigator

Mental Health Navigator is a discreet, quick and confidential service that provides an expert review of your mental health diagnosis plus and ongoing treatment plan with support. It provides access to a network of 50,000 leading Australian-based clinical psychologists, psychiatrists and mental health nurses who will review your current condition (and when needed) modify your diagnosis.

Rehabilitation

Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.

Please note: This is a ‘restricted’ service which means that you can claim benefits for accommodation at the basic public hospital rate only.

Hospital psychiatric services

Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.

Please note: This is a ‘restricted’ service which means that you can claim benefits for accommodation at the basic public hospital rate only.

Palliative care

Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

Please note: This is a ‘restricted’ service which means that you can claim benefits for accommodation at the basic public hospital rate only.

 

What's excluded?

Private hospital - private room - maternity

Unlimited private room cover for the management of labour and delivery of a child in an HIF-contracted private hospital anywhere in Australia.

Private hospital - private room

This provides cover for the cost of a private room in an HIF-contracted private hospital anywhere in Australia.

Cataracts

Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

Joint replacements

Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal fusions are listed separately under Back, neck and spine

Joint reconstructions are listed separately under Joint reconstructions.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Dialysis for chronic kidney failure

Hospital treatment for dialysis treatment for chronic kidney failure.

For example: peritoneal dialysis and haemodialysis.

Pregnancy and birth

Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition.

For example, respiratory conditions are covered under Lung and chest.

Female reproductive conditions are listed separately under Gynaecology.

Fertility treatments are listed separately under Assisted reproductive services.

Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

Assisted reproductive services

Hospital treatment for fertility treatments or procedures.

For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).

Treatment of the female reproductive system is listed separately under Gynaecology.

Pregnancy and birth-related services are listed separately under Pregnancy and birth.

Weight loss surgery

Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

For example: gastric banding, gastric bypass, sleeve gastrectomy.

Insulin pumps

Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

Pain management with device

Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).

Treatment of pain that does not require a device is listed separately under Pain management.

Sleep studies

Hospital treatment for the investigation of sleep patterns and anomalies.

For example: sleep apnoea and snoring.

 

Supporting documents

 

Why choose HIF as your health insurer?

We’re a here-for-you health fund. Our focus isn’t on shareholder dividends - it’s on big benefits, increasing rebates and delivering outstanding health cover to loyal members. It's what sets us apart…what we call the Hifference.

  • Not-for-profit and member-focused

    Our priority is to help our members lead healthy and happy lives

  • Helping members since 1954

    We're an established national health fund with over 65 years experience 

  • Australia's first certified Carbon Neutral health fund

    We are Australia's first certified carbon neutral health fund


 

Silver Hospital Cover FAQs

What is Silver tier private hospital insurance?

Silver tier hospital policies sit between the Basic and Bronze tiers (entry-level policies) and the Gold tier in the Australian Government’s simplified four-tier health cover system, which standardises hospital cover categories across Australia.

Comprising Basic, Bronze, Silver and Gold, the simplified system sets minimum criteria for each tier – all Australian health insurers have to adhere to these criteria, making it easier for you to compare policies and premiums from different health insurance funds.

Find out more about the simplified tiered system and the Private Health Insurance (Reforms) Amendment Rules 2018.

How do the Basic, Bronze, Silver and Gold tiers work?

The Government’s 2019 Private Health Insurance Reforms introduced standardised hospital policy names and criteria. It means all Basic, Bronze, Silver or Gold policies include the same baseline services and treatments (known as ‘clinical categories’) as other Basic, Bronze, Silver or Gold policies.

The higher the tier, the greater the number of clinical categories. Here’s how it works:

  • Basic tier hospital insurance. This is the most basic hospital tier. Basic cover must include restricted cover for in-hospital psychiatric services, palliative care and rehabilitation. More than anything, Basic enables you to avoid the Medicare Levy Surcharge at tax time.
  • Bronze tier hospital insurance. This is a step up, providing more cover, but it’s still pretty basic. Bronze health cover must include 18 clinical categories. It's a great entry-level tier.
  • Silver tier hospital insurance. Silver includes everything you get in Bronze, plus an additional eight clinical categories. So that’s 26 clinical categories in total (excluding restricted services), which covers heart and vascular systems, lung and chest, and more.
  • Gold tier hospital insurance. Gold is the highest tier and must include all 38 clinical categories, making it the only tier of health insurance to include pregnancy and birth-related services as standard.

For an at-a-glance breakdown of how the tiers work and where our Bronze Plus, Silver Plus and Gold Star policies fit in, take a look at our hospital insurance comparison table.

Compare Silver Hospital

What’s included in Silver Hospital insurance?

With Silver Hospital, you enjoy the same great cover as Bronze Plus cover, plus some notable additions:

  • Heart and vascular system, including heart failure, heart attack and varicose veins
  • Back, neck and spine conditions, including spinal fusion
  • Sciatica, prolapsed/herniated discs, scoliosis, kyphosis, lordosis and more
  • Plastic and reconstructive surgery due to illness, accident or congenital conditions
  • Burns requiring a graft, cleft palate, club foot, angioma and more

And it goes without saying, your policy entitles you to:

  • Your choice of treating doctor or specialist
  • Private room accommodation in an HIF-contracted hospital
  • Private and shared room accommodation in a public hospital
  • AccessGap Cover for eligible inpatient medical services
  • Benefits for surgically implanted prostheses and other items on the Federal Government’s Prostheses Schedule
  • Inpatient pharmacy drugs – charges vary between hospitals depending on the contract that’s in place. Please check with the hospital or HIF.

For more information about Silver Hospital, from inclusions and restricted services to your excess options and waiting periods, read our Silver Hospital fact sheet.

What’s not included in Silver Hospital?

As you can see, our Silver Hospital is extensive, but it does not include the following clinical categories:

  • Cataracts (surgical removal of cataracts and replacement with an artificial lens)
  • Joint replacements (such as shoulder, wrist, finger, hip and knee replacements)
  • Dialysis for chronic kidney failure (including peritoneal dialysis and haemodialysis)
  • Pregnancy and birth (treatment of conditions associated with pregnancy and childbirth)
  • Assisted reproductive services (including IVF and Gamete Intra-fallopian Transfer)
  • Weight loss surgery (gastric banding, gastric bypass, sleeve gastrectomy)
  • Insulin pumps for the treatment of diabetes
  • Pain management with a device (for example, an infusion pump or neurostimulator)
  • Sleep studies (for the treatment of sleep apnoea and snoring)
  • HIF Second Opinion (our second opinion service, available with Silver Plus and Gold Star)

Is Silver Hospital the best insurance cover for me?

Silver Hospital is a popular choice for a lot of people because it offers great cover at an affordable price. Of course, depending on your age and general health, it may be worth upgrading to Silver Plus.

With Silver Plus, you’re covered for all the same treatments and conditions that are included with Silver Hospital cover, plus several extra categories. You’re also eligible for HIF Second Opinion service, which gives you access to Best Doctors – a global network of the world's leading medical specialists – for a free second opinion on any diagnosis, condition or treatment.

Find out more about Silver Plus Hospital insurance and compare Silver and Silver Plus for yourself. Alternatively, get a quote, then get some advice on the best option from our friendly team.

Get a quote

What are the excess options for Silver Hospital?

You have a number of excess options with all of our Hospital insurance policies, and Silver Hospital is no exception. The higher excess you choose, the lower your insurance premiums will be.

  • Single memberships: $500 or $750 per calendar year.
  • Couple/family policies:
    • $500 per person (up to an annual policy maximum of $1,000)
    • $750 per person (up to an annual policy maximum of $1,500)

It’s worth noting that you'll only have to pay your excess once per person per year, no matter how many admissions you have.

What is private hospital insurance?

Private hospital insurance helps cover the cost of inpatient hospital services and treatments (known as ‘clinical categories’). Different hospital insurance policies provide different levels of cover, but they all enable you to claim benefits for hospital accommodation, theatre fees and doctors’ fees (as outlined in the Medicare Benefits Schedule).

While hospital insurance benefits vary from policy to policy, all hospital cover gives you one big benefit. Choice. With hospital insurance, you’re free to choose how and when you’re treated in hospital, whether it’s in a private hospital or as a private patient in a public hospital.

  • Choose your hospital, doctor and specialist
  • Stay in a private room (if available and included on your cover)
  • Avoid lengthy public hospital waiting lists

Is private hospital insurance essential?

No, it’s not essential, but if you find yourself in need of hospital treatment, insurance can make all the difference.

The Australian public health system is great, but it’s a safety net that’s having to cope under increasing pressure. Waiting times can be quite long, especially for elective surgery, and you don’t get any choice about who treats you or where you’re treated within the public system. In contrast, private hospital cover allows you to choose the hospital and doctor or specialist you want.

At HIF, we cover more than 1,300 private hospitals across Australia. Moreover, with AccessGap (our medical gap arrangement with the Australian Health Service Alliance), we can minimise and even eliminate your out-of-pocket costs.

How much shorter are waiting times with hospital insurance?

There are no hard and fast rules – waiting times in the public health system depend on your treatment or procedure and where you live. However, in general, you’ll have a much shorter waiting time if you have hospital cover.

Here’s a typical example of waiting times in the public system: a 2014-15 report by the Australian Institute of Health and Welfare found that patients in New South Wales who required a knee replacement waited an average of six months in the public system. Some patients (6.6%) had to wait over 12 months. That’s a long time to live with a potentially painful, debilitating condition.

If you have private hospital insurance, you can effectively fast-track your treatment and avoid the risk of getting ‘bumped’, which often happens in the public system. What’s more, you can choose your doctor or specialist and even your preferred date for surgery.

How does hospital insurance reduce my tax bill?

The Federal Government’s Medicare Levy Surcharge (MLS) was introduced to encourage people to take out private hospital insurance and relieve pressure on the public hospital system.

The MLS is paid by anyone earning over $90,000 per annum who doesn’t have private hospital insurance cover, and it increases incrementally with your earning. So, if you have hospital cover, you pay less at tax time.

Use our Medicare Levy Surcharge calculator to see how the Medicare Levy Surcharge works and how much you can save at tax time by taking out private hospital insurance.

Why should I take out hospital cover sooner rather than later?

It’ll save you money in the long run. If you leave it too late, you’ll be hit by the Lifetime Health Cover Loading – another government incentive designed to encourage people to take out private hospital insurance and reduce the burden on the public system.

The loading is an additional cost that’s applied to private hospital insurance premiums. The later you leave it to take our hospital insurance, the more expensive it’s likely to be when you eventually do.

Learn more about how Lifetime Health Cover Loading works and rewards you for taking out hospital cover at a younger age.

How do our Hospital excess options work?

Our excess options vary from policy to policy, but whatever cover you choose, the higher your excess, the lower your premiums. This chart shows the excess options for each level of Hospital cover.

Hospital coverSame-day admissionsOvernight admissionsDependants under 18Per-person excess options
Basic PlusN/A$500
$750
Bronze$200
$500
$750
Bronze Plus$200
$500
$750
Silver$200
$500
$750
Silver Plus $200
$500
$750
Gold Starxx$0
$200
$500
$750

Whichever cover and excess you choose, you’ll only pay your excess on admission to hospital. And you’ll only pay it once per calendar year, even if you have multiple admissions in the same year.

Get a quote

Why are waiting periods applied to hospital insurance?

We’re a not-for-profit health fund, so we’re wholly focused on our Members and we don’t like keeping you waiting, whether we’re providing a quote or processing your claim. Unfortunately though, waiting periods (the time you have to wait before you can claim a benefit) are a necessary fact of life for all Australian health funds.

Without waiting periods, people could join a health fund and make a hefty claim for treatment, then cancel their cover, leaving the remaining members to pay higher premiums.

The good news is, if you join us from another health fund, we’ll take your previous membership into account, so you don’t have to re-serve waiting periods on an equivalent level or higher level of cover.

What are our standard Hospital cover waiting periods?

If you’re an existing HIF Member who’s upgrading or you’re switching to HIF from another Australian health fund, you won’t have to re-serve any waiting periods you’ve already served on your current hospital cover. However, if you’re new to hospital insurance, our standard waiting periods apply:

  • 1 day: Treatment received as the result of an accident
  • 2 months: General hospitalisation
  • 2 months: Psychiatric care*, rehabilitation and palliative care (pre-existing or not)
  • 12 months: All pregnancy-related services (only applicable to HIF Gold Star Hospital cover)
  • 12 months: Pre-existing conditions or ailments

*New Members transferring to HIF who previously had limited psychiatric cover can now upgrade their policy without serving a two-month waiting period for the higher or additional benefits. The waiting period exemption for psychiatric care benefits can only be accessed once in a lifetime, and is only available after a person has served their initial two month waiting period for any psychiatric treatment.

Get a quote

What makes HIF a smart choice?

For a start, we’re a not-for-profit health fund. This doesn’t make us unique, but it does mean we don’t worry about making money for shareholders happy (like some health funds). We don’t have shareholders, so we can focus all our efforts on helping our Members live healthy lives. And that brings us to another point that sets us apart – we’ve been here for our Members for over 65 years. That’s 65+ years of continually investing any profits we make back into better benefits and services. No wonder more and more Australians are switching to us. Learn more about why we’re different.

How do I switch to HIF from another Australian health fund?

Short answer: you get us to make the switch for you. Long answer: if you apply online, just tick the box that authorises us to arrange the switch on your behalf. Alternatively, if you’re joining over the phone you can give us verbal authorisation. Either way, we’ll deal with your old health fund and handle all the paperwork. Compare our Hospital insurance options, get a no-obligation quote or contact our frendly team on 1300 134 060 and see for yourself how easy it is.

Do I have to tell HIF before I go into hospital?

You’re not obliged to – we’re here to help however and whenever we can – but we strongly recommend contacting us before you undergo hospital treatment. We’ll be able to ensure you get maximum value from your hospital cover and give you a complete estimate, so you know upfront what (if any) ‘gap’ there may be. We can also help take some of the uncertainty out of what can be a confusing and stressful experience, answering your questions and processing your claim as quickly and smoothly as possible. All you need is a medical estimate, with a list of billable items (your doctor or specialist should provide you with this anyway). Then, you can complete our online Medical Estimate Form or call us on 1300 13 40 60 and we’ll provide a benefit estimate.

What is the ‘gap’ and how does AccessGap cover help?

When you go into hospital as a private patient, the idea is that Medicare covers the first 75% of the cost, then your hospital insurance covers the remaining 25%. That’s assuming your doctor or specialist charges within what’s known as the Medical Benefits Schedule (MBS) – a list of costs for medical services that are generally accepted to be fair. But if your doctor or specialist charges more than the MBS fee, there’s a cost that isn’t covered by Medicare or your health fund. This is known as a ‘gap’ payment and it’s down to you to pay it. Unless, that is, you have our AccessGap cover. AccessGap helps minimise or eliminate any out-of-pocket gap expenses. Learn more about AccessGap.


 

Silver Hospital Cover

From

Silver Hospital cover is in the Goldilocks zone, right in the middle of our range of Hospital options, providing a whole lot more cover than entry-level policies, but with affordable premiums. With Silver Hospital you will get:

  • Choice of hospital and treating doctor
  • Cover for heart and vascular system
  • Cover for back, neck and spine conditions
  • Additional services

Get a Quote

 

Want more inclusions?
Silver Plus Hospital Cover could be for you.

Learn More


 

Need help choosing your level of cover?

Relax, we're here to help. If you require assistance at any stage in the process get in touch with us.