Silver Hospital
A Silver hospital policy from Latrobe Health Services.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Latrobe Health Services files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, WA, $250 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $250
- 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$203.7534th 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.
$250 excessat most $500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $203.75 | $407.52 | $407.52 | $305.63 | $509.39 | $356.57 |
| VIC | $211.95 | $423.89 | $423.89 | $317.92 | $529.86 | $370.91 |
| QLD | $208.07 | $416.14 | $416.14 | $312.11 | $520.18 | $364.12 |
| SA | $206.02 | $412.06 | $412.06 | $309.04 | $515.07 | $360.56 |
| WA | $199.20 | $398.39 | $398.39 | $298.80 | $497.99 | $348.60 |
| TAS | $205.18 | $410.34 | $410.34 | $307.76 | $512.93 | $359.06 |
| NT | $210.16 | $420.30 | $420.30 | $315.23 | $525.38 | $367.77 |
26 of 38 clinical categories covered in full, 3 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 full26
- Restricted3
- Not covered9
Covered 26
- 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
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Skin
- Tonsils, adenoids and grommets
Restricted 3
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered 9
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- 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, paid when you are admitted. No excess for dependants.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: Each adult only pays the excess once per calendar year. Families pay only two excesses per calendar year. Excesses do not apply to child dependants. Additional medical gap benefits are payable on this policy.
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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.