26 of 38 clinical categoriesEvery Australian hospital policy is described using the same 38 government-defined clinical categories, so cover can be compared like for like between funds. This cover includes 26 of them.
Silver Hospital
Silver hospital cover to help you look after your health with confidence.
- Accident Advantage
- All Bronze Plus categories
- Heart and vascular system
- Back, neck and spine
- Plastic and reconstructive surgery (medically necessary)
Silver Hospital
from $37.11/wk
What you’re covered for
What's included
26 of 38 clinical categories
Included:Accident AdvantageDetails
If you have an accident and visit a doctor or Emergency Department within 72 hours, Latrobe Health will cover related excluded or restricted treatments. Hospital admissions must occur within 90 days of injury, and documentation is required for benefits to be paid. More about Accident Advantage
Bones, joints & spine
Included:Bone, joint and muscleDetails
Carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer
Included:Joint reconstructionsDetails
Torn tendons, rotator cuff tears and damaged ligaments
Included:Back, neck and spineDetails
Sciatica, prolapsed discs, curvature of spine
- Included:Podiatric surgery (provided by a registered podiatric surgeon)
Heart, lungs & blood
Included:Heart and vascular systemDetails
Heart attack, stents, varicose veins
Included:Lung and chestDetails
Lung cancer, respiratory conditions, asthma, pneumonia
Included:BloodDetails
Blood clotting disorder, bone marrow transplants
Digestive, kidney & urinary
Included:Digestive systemDetails
Gallstones, irritable bowel syndrome, haemorrhoids
Included:Hernia and appendixDetails
Hernia operations and appendicitis
Included:Gastrointestinal endoscopyDetails
Colonoscopy and gastroscopy
Included:Kidney and bladderDetails
Kidney stones, adrenal gland tumour and incontinence
Included:Male reproductive systemDetails
Male sterilisation, circumcision and prostate cancer
Eyes, ears, nose, throat & dental
Included:Eye (not cataracts)Details
Retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye
Included:Ear, nose and throatDetails
Damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer
Included:Tonsils, adenoids and grommetsDetails
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets
Included:Implantation of hearing devicesDetails
Cochlear implants
Included:Dental surgeryDetails
Removal of wisdom teeth, dental implants
Brain, nerves & pain
Included:Brain and nervous systemDetails
Stroke, brain or spinal cord tumours
Included:Pain managementDetails
Treatment of chronic pain NOT with a device
Pregnancy & women's health
Included:GynaecologyDetails
Endometriosis, polycystic ovaries, repairs post childbirth
- Included:Miscarriage and termination of pregnancy
Included:Breast surgery (medically necessary)Details
Breast lesion, breast tumours
Cancer, skin & other surgery
- Included:Chemotherapy, radiotherapy and immunotherapy for cancer
Included:SkinDetails
Surgery to remove melanoma, other skin lesions and wound repair
Included:Plastic and reconstructive surgery (medically necessary)Details
Burns, skin grafts
Included:Diabetes management (excluding insulin pumps)Details
Stabilisation
What's restricted
3 of 38 clinical categories
Restricted means limited benefits, typically treatment as a private patient in a public hospital, which can leave a large out-of-pocket cost. Your PDS sets out exactly what’s paid.
Rehab, mental health & palliative
Restricted:RehabilitationDetails
Treatment to improve and restore function
Restricted:Hospital psychiatric servicesDetails
Mental health conditions
Restricted:Palliative careDetails
Treatment for terminal illness and end of life care
Waiting periods
- 1 dayEmergency ambulance & Accident Advantage
- 2 monthsPsychiatric services, rehabilitation and palliative careAll other hospital services
- 12 monthsPre-existing conditions (excluding hospital psychiatric services, rehabilitation and palliative care)
- N/APregnancy and birth
What's not covered
9 of 38 clinical categories
Bones, joints & spine
Not covered:Joint replacementsDetails
Full or partial replacement of joints
Heart, lungs & blood
Not covered:Sleep studiesDetails
Investigation of sleep apnoea and snoring
Digestive, kidney & urinary
Not covered:Dialysis for chronic kidney failureDetails
Filtering blood through a machine
Eyes, ears, nose, throat & dental
Not covered:CataractsDetails
Replacement of eye lens
Brain, nerves & pain
Not covered:Pain management with deviceDetails
Insertion of a device to manage pain
Pregnancy & women's health
Not covered:Pregnancy and birthDetails
Treatment before, during and after having a baby
Not covered:Assisted reproductive servicesDetails
Treatment to assist conception
Cancer, skin & other surgery
Not covered:Insulin pumpsDetails
Treatment of diabetes with a pump that delivers insulin
Not covered:Weight loss surgeryDetails
Surgical treatment of obesity
6 of these 9 are covered on Complete Silver Plus Hospital.
Compare the two side by sideYour premium depends on your details, and prices and available plans can change. Each cover’s policy document prevails over this summary.
Accident Advantage
Accidents happen, and when they do, we’ll help you get the treatment you need.
If you have an accident and see a doctor or visit an Emergency Department within 72 hours, Accident Advantage provides you with top-tier coverage for related treatments that would normally be excluded or restricted on your policy for up to 90 days. If you’re admitted to a private hospital for related treatment, you won’t pay an excess for that admission.
Waiting period: 1 day.
Learn more, Accident AdvantageHow it works
- Get treatment from a doctor or Emergency Department within 72 hours of the accident.
- If you need hospital treatment for the injury, you’ll need to be admitted within 90 days of the accident.
- Ask your treating health provider to complete the Accident Advantage Form, then send it to us within 21 days of the accident.
- We’ll pay benefits towards eligible treatment, and you won’t pay an excess for that related admission.
Good to know
Waiting periods
Hospital services have waiting periods before you can claim, so it’s worth checking what’s covered and when. You’ll find the details for this cover in the table above and its policy document. Switching from another Australian health fund? If you’ve already served waiting periods for equivalent cover, you generally won’t need to serve them again.
Switching health funds
Switching is easier than you think. If you’ve already served waiting periods for equivalent cover with another Australian health fund, you generally won’t need to serve them again. We’ll tell your old fund and close your policy, so nothing overlaps (the bit people actually worry about). Consider the break-up handled.
Emergency ambulance
You’re covered for unlimited emergency ambulance transport by road, boat or air, after a one-day waiting period. Live in Queensland? Your state ambulance scheme covers you Australia-wide instead. Tasmanian residents are covered by their state scheme in Tasmania; the policy document explains trips interstate. We don’t cover non-emergency transport, like a transfer between hospitals or a trip home.
Australian Government Rebate
The Australian Government Rebate reduces what you pay for private health insurance, based on your age and income, and is indexed annually. The price shown here already has the base-tier rebate applied. Your quote will confirm the tier that actually applies to you.
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