Silver Plus Family Mid
A Silver Plus hospital and extras policy from HIF.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement HIF 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
- $750
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
HIF's page for this policyAgainst every other Silver hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Silver156 policies$672.30155th cheapest of 156
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.
$750 excessat most $1,500 a year for couples and families
32 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 full32
- Restricted1
- Not covered5
Covered 32
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- 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
Restricted 1
- Hospital psychiatric services
Not covered 5
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pain management with device
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $750, paid when you are admitted.
From the insurer: Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.
Pays towards 15 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$600typical policy $800
- Major dentalshared with endodontic (root canals)$600typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with 10 other services$350typical policy $450
- Chiropracticshared with 10 other services$350typical policy $400
- Psychologyshared with 10 other services$350typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)60% of the feetypical policy $35.20
- Scale and clean (item 114)60% of the feetypical policy $66.85
- Full crown, veneered (item 615)60% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
- Psychology, first visit60% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $600 | $1,200 | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Major dentalconditions apply | 12 months | $600shared with endodontic (root canals) | $1,200 | Full crown, veneered (item 615): 60% |
| Endodontic (root canals) | 12 months | $600shared with major dental | $1,200 | Root canal filling (item 417): 60% |
| Opticalconditions apply | 2 months | $200 | $400 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicinesconditions apply | 2 months | $350shared with 10 other services | $700 | Non-PBS prescription: 60% |
| Physiotherapy | 2 months | $350shared with 10 other services | $700 | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | 2 months | $350shared with 10 other services | $700 | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatry | 2 months | $350shared with 10 other services | $700 | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Psychology | 2 months | $350shared with 10 other services | $700 | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupuncture | 2 months | $350shared with 10 other services | $700 | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | 2 months | $350shared with 10 other services | $700 | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Chinese herbal medicine | 2 months | $350shared with 10 other services | $700 | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Exercise physiology | 2 months | $350shared with 10 other services | $700 | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Health management programs | 2 months | $350shared with 10 other services | $700 | Health management program: 60% |
| Osteopathy | 2 months | $350shared with 10 other services | $700 | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
Not covered: orthodontics, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, dietetics, orthoptics, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: Complementary Therapies sub-limit is $150 per person ($300 per couple or family membership). Benefits are claimable for acupuncture, myotherapy, remedial massage and traditional Chinese medicine. Treatment must be provided by a practitioner who is registered with HIF in the speciality for which the charge is raised, benefits are not payable on medicines. Healthy lifestyle sub-limit is $150 per person ($300 per couple or family membership). Psychology sub-limit is $150 per person ($300 per couple or family membership). The limits detailed above are subject to a combined overall person limit of $350 ($700 per couple of family membership) for physio, exercise physiology, chiro, osteo, podiatry, pharmacy, complementary therapies, psychology and healthy lifestyle.
Pharmacy benefit paid after deduction of the PBS co-payment at 60% per script. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only. Optical benefit paid on frames and prescription optical items. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.
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.