Silver+ Family Hospital
A Silver Plus hospital policy from TUH.
- TUH only takes current or former union members and their families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement TUH files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, WA, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $400, $750
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
TUH's page for this policyAgainst every other Silver hospital policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Silver161 policies$272.88148th cheapest of 161
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.
- $400 excess$296.42
- $750 excess$23.54 less than $400 excess$272.88
$400 excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $296.42 | $592.84 | $592.84 | $453.53 | $770.71 | $578.03 |
| VIC | $311.12 | $622.24 | $622.24 | $475.99 | $808.89 | $606.66 |
| QLD | $301.85 | $603.71 | $603.71 | $461.83 | $784.82 | $588.61 |
| SA | $287.91 | $575.82 | $575.82 | $440.51 | $748.58 | $561.44 |
| WA | $237.07 | $474.14 | $474.14 | $362.68 | $616.36 | $462.25 |
| TAS | $302.19 | $604.38 | $604.38 | $462.33 | $785.67 | $589.25 |
| NT | $237.07 | $474.14 | $474.14 | $362.68 | $616.36 | $462.25 |
$750 excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $272.88 | $545.76 | $545.76 | $417.48 | $709.46 | $532.08 |
| VIC | $276.45 | $552.89 | $552.89 | $422.95 | $718.75 | $539.07 |
| QLD | $276.11 | $552.23 | $552.23 | $422.42 | $717.89 | $538.43 |
| SA | $265.05 | $530.10 | $530.10 | $405.50 | $689.10 | $516.81 |
| WA | $211.24 | $422.48 | $422.48 | $323.19 | $549.20 | $411.89 |
| TAS | $268.52 | $537.03 | $537.03 | $410.81 | $698.13 | $523.61 |
| NT | $211.24 | $422.48 | $422.48 | $323.19 | $549.20 | $411.89 |
35 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 full35
- Restricted1
- Not covered2
Covered 35
- 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)
- Dialysis for chronic kidney failure
- 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)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted 1
- Hospital psychiatric services
Not covered 2
- Cataracts
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 9 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $400, $750, 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: Value-added services: home care after hospital, chronic disease management programs, hospital substitute programs (conditions apply). **Accident cover for included service categories only. An excess is applied once per adult per calendar year. The hospital excess is waived for dependants. Reducing your excess is considered to be upgrading your membership. We will charge your previous excess within the first two months of the upgrade, including for adults who are upgrading their level of cover by joining/re-joining as a dependant on a family membership.
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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.