Silver+ Saver Hospital & Corporate 60% Extras
A Silver Plus hospital and extras policy from Hunter Health Insurance.
- 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 Hunter Health Insurance files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NSW & ACT, $500 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $250, $500
- Ambulance
- Not covered
- Who can join
- Through an employer or group
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, corporate and restricted policies included.
- Silver191 policies$262.8250th cheapest of 191
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$297.67
- $500 excess$34.85 less than $250 excess$262.82
$250 excessat most $500 a year for couples and families
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: $250, $500, paid when you are admitted.
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 20 of 27 standard services
Yearly limits, per person, against the typical policy
- Major dentalshared with endodontic (root canals)$500typical policy $1,000
- Optical$240typical policy $220
- Physiotherapyshared with occupational therapy, speech therapy$250typical policy $450
- Chiropracticshared with 6 other services$250typical policy $400
- Psychologyshared with non-pbs medicines, vaccinations$200typical 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)60% of the feetypical policy $773.80
- Single vision lenses and frames60% 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 | 011-015 & 111-116 2 Services Per Person, All other General Dental $500 Per Person $1400 Per Policy | - | Periodic oral exam (item 012): 100%Scale and clean (item 114): 100%Fluoride treatment (item 121): 100%Simple extraction (item 322): 60% |
| Major dental | 12 months | $500shared with endodontic (root canals) | $1,200 | Full crown, veneered (item 615): 60% |
| Endodontic (root canals) | 2 months | $500shared with major dental | $1,200 | Root canal filling (item 417): 60% |
| Optical | 2 months | $240 | $720 | Multifocal lenses and frames: 60%Single vision lenses and frames: 60% |
| Non-PBS medicines | 2 months | $200shared with psychology, vaccinations | - | Non-PBS prescription: 60% |
| Physiotherapy | 2 months | $250shared with occupational therapy, speech therapy | - | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | 2 months | $250shared with 6 other services | - | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatry | 2 months | $250shared with 6 other services | - | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Psychology | 2 months | $200shared with non-pbs medicines, vaccinations | - | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupuncture | 2 months | $250shared with 6 other services | - | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | 2 months | $250shared with 6 other services | - | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Blood glucose monitors | 12 months | $75 | - | Blood glucose monitor: 60% |
| Antenatal and postnatal | 2 months | $50 | - | Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60% |
| Dietetics | 2 months | $250shared with 6 other services | - | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiology | 2 months | $250shared with 6 other services | - | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Occupational therapy | 2 months | $250shared with physiotherapy, speech therapy | - | Occupational therapy, first visit: 60%Occupational therapy, later visit: 60% |
| Orthotics | 12 months | $100 | - | Orthotics: 60% |
| Osteopathy | 2 months | $250shared with 6 other services | - | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
| Speech therapy | 2 months | $250shared with physiotherapy, occupational therapy | - | Speech therapy, first visit: 60%Speech therapy, later visit: 60% |
| Vaccinations | 2 months | $200shared with non-pbs medicines, psychology | - | Vaccination: 60% |
Not covered: orthodontics, hearing aids, audiology, chinese herbal medicine, orthoptics, health management programs, home nursing.
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.