Cl Inpatriate Silver Plus Hospital And Cl Ancillary Benefits
A Silver Plus hospital and extras policy from GU Health.
- Corporate policy, sold through employers and associations.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement GU Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, All states, no excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None
- Ambulance
- Emergency only, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
GU Health's page for this policyAgainst every other Silver hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Silver191 policies$246.2532nd cheapest of 191
37 of 38 clinical categories covered in full
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full37
- Not covered1
Covered 37
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Not covered 1
- Assisted reproductive services
Waiting periods
- Pre-existing conditions
- None
- Pregnancy and birth
- None
- Psychiatric, rehabilitation and palliative care
- None
- All other hospital treatment
- None
Excess and other costs
No excess on any version of this policy.
From the insurer: Home support services and programs: This program allows you to leave hospital early and continue to receive expert in-home care, so you can recover in the comfort of your own home.
Pays towards 7 of 27 standard services
Yearly limits, per person, against the typical policy
- PhysiotherapyNo annual limittypical policy $450
- ChiropracticNo annual limittypical policy $400
- PsychologyNo annual limittypical policy $400
What it pays on common claims, against the typical policy
- Physiotherapy, first visit100% of the feetypical policy $42.00
- Psychology, first visit100% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| Non-PBS medicinesconditions apply | None | No annual limit | Non-PBS prescription: 100% |
| Physiotherapy | None | No annual limit | Physiotherapy, first visit: 100%Physiotherapy, later visit: 100% |
| Chiropractic | None | No annual limit | Chiropractic, first visit: 100%Chiropractic, later visit: 100% |
| Psychology | None | No annual limit | Psychology, first visit: 100%Psychology, later visit: 100% |
| Blood glucose monitors | None | No annual limit | Blood glucose monitor: 100% |
| Orthotics | None | No annual limit | Orthotics: 100% |
| Osteopathy | None | No annual limit | Osteopathy, first visit: 100%Osteopathy, later visit: 100% |
Not covered: general dental, major dental, endodontic (root canals), orthodontics, optical, podiatry, acupuncture, remedial massage, hearing aids, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, speech therapy, vaccinations.
From the insurer: Enjoy a generous 100% back on a range of services including physiotherapy occupational therapy and chiropractic.
Pharmaceutical benefits paid for items with an official pharmacy receipt, after you pay a sum equal to the Australian Government’s highest current PBS co-payment
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.