Silver+ Saver 2 Hospital & Ideal Extras (Family(
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
Family, QLD, $500 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $500
- Ambulance
- Not covered
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Hunter Health Insurance's page for this policyAgainst every other Silver hospital and extras policy in QLD
Family cover, each policy at its cheapest excess, counting policies anyone can buy.
- Silver154 policies$463.9611th cheapest of 154
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.
Family premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
$500 excessat most $1,000 a year for couples and families
| State | Family |
|---|---|
| QLD | $463.96 |
30 of 38 clinical categories covered in full, 2 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 full30
- Restricted2
- Not covered6
Covered 30
- 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
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted 2
- Hospital psychiatric services
- Palliative care
Not covered 6
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- 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: $500, paid when you are admitted. No excess for dependants.
From the insurer: NSW/ACT residents -Ambulance coverage is included Australia wide. Residents of all other States please contact the fund for details. NOTE: This Hospital cover provides cover for 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 12 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$400typical policy $800
- Physiotherapyshared with 8 other services$600typical policy $450
- Chiropracticshared with 8 other services$600typical policy $400
- Psychologyshared with 8 other services$600typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$22.00typical policy $35.20
- Scale and clean (item 114)$36.00typical policy $66.85
- Single vision lenses and frames$145.00typical policy $220.00
- Physiotherapy, first visit$36.00typical policy $42.00
- Psychology, first visit$25.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $400, 2 every year | Periodic oral exam (item 012): $22.00Scale and clean (item 114): $36.00Fluoride treatment (item 121): $25.00Simple extraction (item 322): $55.00 |
| Optical | 2 months | 1 every year | Multifocal lenses and frames: $185.00Single vision lenses and frames: $145.00 |
| Non-PBS medicines | 2 months | $450 | Non-PBS prescription: $50.00 |
| Physiotherapy | 2 months | $600shared with 8 other services | Physiotherapy, first visit: $36.00Physiotherapy, later visit: $30.00 |
| Chiropractic | 2 months | $600shared with 8 other services | Chiropractic, first visit: $26.00Chiropractic, later visit: $22.00 |
| Podiatry | 2 months | $600shared with 8 other services | Podiatry, first visit: $25.00Podiatry, later visit: $22.00 |
| Psychology | 2 months | $600shared with 8 other services | Psychology, first visit: $25.00Psychology, later visit: $25.00 |
| Acupuncture | 2 months | $600shared with 8 other services | Acupuncture, first visit: $25.00Acupuncture, later visit: $22.00 |
| Remedial massage | 2 months | $600shared with 8 other services | Remedial massage, first visit: $30.00Remedial massage, later visit: $20.00 |
| Dietetics | 2 months | $600shared with 8 other services | Dietetics, first visit: $25.00 |
| Occupational therapy | 2 months | $600shared with 8 other services | Occupational therapy, first visit: $28.00 |
| Speech therapy | 2 months | $600shared with 8 other services | Speech therapy, first visit: $36.00 |
Not covered: major dental, endodontic (root canals), orthodontics, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, exercise physiology, orthoptics, health management programs, home nursing, orthotics, osteopathy, vaccinations.
Other services: Does not include treatment for: Alexander technique; Aromatherapy; Bowen therapy; Buteyko; Feldenkrais; Western herbalism; homeopathy; iridology; kinesiology; naturopathy; Pilates; reflexology; Rolfing; Shiatsu; Tai chi; Yoga
From the insurer: Other Dental benefits included Restorations i.e. Fillings, Metallic, 3 or more adhesive, and Posterior tooth 3 or more surfaces
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.