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Why choose Silver+ Family Hospital

Enjoy shorter hospital wait times and a high level of care with Australian private hospitals. This cover stands alone or you can combine it with one of our extras covers to unlock your Active Health Bonus* to spend on extras out-of-pocket expenses – the choice is yours! *Bonus is not available with Basic Extras.


Comfort and care

Enjoy the flexibility of choosing your own doctor and which hospital you would like to attend.

Reduced medical costs

Enjoy lower or no out-of-pocket costs for in hospital specialist/doctor fees with Access Gap Cover.

Family planning

Get covered for pregnancy and birth along with assisted reproductive services so you're ready to start a family.

What's covered with Silver+ Family Hospital

For included services we provide medically necessary inpatient treatment, accommodation, theatre fees, intensive care and hospital medication. For restricted services we pay the default benefit for accommodation and no benefit for theatre fees.

Pregnancy and birth

Assisted reproductive services

Heart and vascular system

Back, neck and spine

Bone, joint, muscle

Kidney and bladder

Lung and chest

Dental surgery




Plastic and reconstructive surgery (medically necessary)

Breast surgery (medically necessary)

Brain and nervous system

Hernia and appendix

Joint reconstructions

Chemotherapy, radiotherapy and immunotherapy for cancer

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

This service is Restricted

Hospital psychiatric services


What's not covered with Silver+ Family Hospital

No benefit is payable on excluded services – including for accommodation or medical fees. Out-of-pocket costs may arise for some procedures such as robotic surgery, high-cost pharmacy or consumable items, or fees charged by medical professionals.

  • Cataracts
  • Weight loss surgery

Why trust us with your health

As a member-owned and not-for-profit health fund, we give more back to members and have been providing quality health cover for teachers and the education community for over 50 years. 


We make managing your health insurance easy with our app


Get great value cover you won't regret with quality inclusions


We have an extensive network of contracted private hospitals

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This cover has a $400 or $750 excess to reduce premium costs. For more information on limits, waiting periods and pre-existing conditions please see the product guide.


Access Gap Cover is available with all TUH hospital policies and aims to eliminate or cap out-of-pocket medical costs incurred during hospital admission.  Medical costs are the fees your specialist or doctor charges you for your hospital treatment.  

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For new members or members upgrading their cover, a two month waiting period applies for all hospital services and home care programs. With the exception of pre-existing conditions, and pregnancy and birth, which have a 12 month waiting period.

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We have a network of contracted private hospitals that allows members to access covered services without additional costs. However, hospital contracts may vary and staying in a non-contracted hospital may incur out-of-pocket expenses.  You can view our contracted hospitals below.

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If your hospital cover includes pregnancy and birth-related services with no exclusions, you're fully covered for accommodation, theatre and labour ward charges when admitted to a hospital. Medical costs for inpatient services by specialists are covered except for pathology, radiology and any incidentals.

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