HCF HOSPITAL SILVER PLUS
A Silver Plus hospital policy from HCF.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement HCF files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $250, $500, $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other Silver hospital policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Silver81 policies$245.7651st cheapest of 81
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- $250 excess$293.96
- $500 excess$32.49 less than $250 excess$261.47
- $750 excess$48.20 less than $250 excess$245.76
$250 excessat most $500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $293.96 | $587.92 | $587.92 | $470.33 | $752.53 | $602.02 |
| VIC | $306.16 | $612.32 | $612.32 | $489.85 | $783.76 | $627.00 |
| QLD | $310.48 | $620.96 | $620.96 | $496.76 | $794.82 | $635.85 |
| SA | $265.71 | $531.42 | $531.42 | $425.13 | $680.21 | $544.16 |
| WA | $266.18 | $532.36 | $532.36 | $425.88 | $681.41 | $545.12 |
| TAS | $289.55 | $579.10 | $579.10 | $463.28 | $741.24 | $592.98 |
| NT | $190.00 | $380.00 | $380.00 | $304.00 | $486.39 | $389.11 |
$500 excessat most $1,000 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $261.47 | $522.94 | $522.94 | $418.35 | $669.36 | $535.48 |
| VIC | $275.47 | $550.94 | $550.94 | $440.75 | $705.19 | $564.15 |
| QLD | $273.92 | $547.84 | $547.84 | $438.27 | $701.23 | $560.97 |
| SA | $232.82 | $465.64 | $465.64 | $372.51 | $596.01 | $476.80 |
| WA | $227.08 | $454.16 | $454.16 | $363.32 | $581.32 | $465.05 |
| TAS | $258.49 | $516.98 | $516.98 | $413.58 | $661.73 | $529.37 |
| NT | $158.11 | $316.22 | $316.22 | $252.97 | $404.75 | $323.80 |
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $245.76 | $491.52 | $491.52 | $393.21 | $629.14 | $503.31 |
| VIC | $259.52 | $519.04 | $519.04 | $415.23 | $664.36 | $531.48 |
| QLD | $250.56 | $501.12 | $501.12 | $400.89 | $641.42 | $513.13 |
| SA | $216.77 | $433.54 | $433.54 | $346.83 | $554.92 | $443.93 |
| WA | $204.18 | $408.36 | $408.36 | $326.68 | $522.69 | $418.15 |
| TAS | $237.73 | $475.46 | $475.46 | $380.36 | $608.58 | $486.86 |
| NT | $142.09 | $284.18 | $284.18 | $227.34 | $363.74 | $290.99 |
33 of 38 clinical categories covered in full, 1 restricted
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 full33
- Restricted1
- Not covered4
Covered 33
- 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
- Implantation of hearing devices
- 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)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted 1
- Hospital psychiatric services
Not covered 4
- Assisted reproductive services
- Insulin pumps
- Pregnancy and birth
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $250, $500, $750, paid when you are admitted. No excess for accidents or dependants.
From the insurer: Comprehensive hospital cover for those who don’t need cover for pregnancy. No excess for accident related treatment and dependants under 25. Includes accident safeguard, travel and accommodation benefits for hospital admission and cover for unlimited emergency ambulance trips. See fund rules for more information. Access to over 100 exclusive offers through HCF Thank You program. For more information visit: www.hcf.com.au/thankyou.
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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.