SILVER+ Hospital & Hunter Extras
A Silver Plus hospital and extras policy from Hunter Health Insurance.
- Sold as Hunter Health Insurance.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Hunter Health Insurance files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NSW & ACT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None, $250, $500, $750
- Ambulance
- Not covered
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against 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$376.81133rd 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.
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.
- No excess$420.01
- $250 excess$16.75 less than no excess$403.26
- $500 excess$32.87 less than no excess$387.14
- $750 excess$43.20 less than no excess$376.81
No excess
$250 excessat most $500 a year for couples and families
$500 excessat most $1,000 a year for couples and families
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)
- 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
- 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
- Dialysis for chronic kidney failure
- 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: none, $250, $500, $750, paid when you are admitted. No excess for dependants.
From the insurer: NSW/ACT residents -Ambulance coverage is included Australia wide. All other States residents please contact the fund for details. NOTE: This Hospital cover provides a Gap Cover Scheme minimising Out-of-Pocket expenses for Doctors services. ****Accident cover is allowed provided you are admitted to hospital (1 day waiting period).
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- Major dental$850typical policy $1,000
- Optical$299typical policy $220
- Physiotherapyshared with occupational therapy, speech therapy$700typical policy $450
- Chiropracticshared with 7 other services$480typical policy $400
- Psychologyshared with 7 other services$480typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)100% of the feetypical policy $35.20
- Scale and clean (item 114)100% of the feetypical policy $66.85
- Full crown, veneered (item 615)$800.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$40.00typical policy $42.00
- Psychology, first visit$38.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | Gap Free Preventative Dental 100% Benefit Limit 2 Service Person Per Year Items Number 011-015 111-116 | Periodic oral exam (item 012): 100%Scale and clean (item 114): 100%Fluoride treatment (item 121): $25.00Simple extraction (item 322): $125.00 |
| Major dental | 12 months | $850 | Full crown, veneered (item 615): $800.00 |
| Endodontic (root canals) | 2 months | No annual limit | Root canal filling (item 417): $125.00 |
| Orthodontics | 12 months | $400, $2,400 lifetime | Braces, upper and lower, with retainer (item 881): $2,400.00 |
| Optical | 2 months | $299 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $700shared with vaccinations | Non-PBS prescription: $70.00 |
| Physiotherapy | 2 months | $700shared with occupational therapy, speech therapy | Physiotherapy, first visit: $40.00Physiotherapy, later visit: $36.00 |
| Chiropractic | 2 months | $480shared with 7 other services | Chiropractic, first visit: $26.00Chiropractic, later visit: $22.00 |
| Podiatry | 2 months | $480shared with 7 other services | Podiatry, first visit: $26.00Podiatry, later visit: $22.00 |
| Psychology | 2 months | $480shared with 7 other services | Psychology, first visit: $38.00Psychology, later visit: $38.00 |
| Acupuncture | 2 months | $480shared with 7 other services | Acupuncture, first visit: $35.00Acupuncture, later visit: $35.00 |
| Remedial massage | 2 months | $480shared with 7 other services | Remedial massage, first visit: $40.00Remedial massage, later visit: $40.00 |
| Hearing aids | 12 months | $750 | Hearing aid: 75% |
| Blood glucose monitors | 12 months | $100 | Blood glucose monitor: 75% |
| Antenatal and postnatal | 2 months | $150 | Antenatal and postnatal, first visit: $15.00Antenatal and postnatal, later visit: $15.00 |
| Dietetics | None | $480shared with 7 other services | Dietetics, first visit: $26.00 |
| Exercise physiology | 2 months | $480shared with 7 other services | Exercise physiology, first visit: $26.00Exercise physiology, later visit: $26.00 |
| Health management programs | 2 months | $100 | Health management program: $50.00 |
| Home nursing | 2 months | $750 per Calendar Year | Home nursing, first visit: $16.00Home nursing, later visit: $16.00 |
| Occupational therapy | 2 months | $700shared with physiotherapy, speech therapy | Occupational therapy, first visit: $28.00Occupational therapy, later visit: $28.00 |
| Orthotics | 12 months | $150 | Orthotics: 75% |
| Osteopathy | 2 months | $480shared with 7 other services | Osteopathy, first visit: $26.00Osteopathy, later visit: $22.00 |
| Speech therapy | 2 months | $700shared with physiotherapy, occupational therapy | Speech therapy, first visit: $28.00Speech therapy, later visit: $32.00 |
| Vaccinations | 2 months | $700shared with non-pbs medicines | Vaccination: $70.00 |
Not covered: audiology, chinese herbal medicine, orthoptics.
Other services: CSIRO Total Wellbeing Diet $299 1 Per Membership Per Year
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.