Why choose Silver+ Hospital Essentials
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
Reduced medical costs
Protect your health
What's covered with Silver+ Hospital Essentials
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.
Heart and vascular system
Back, neck and spine
Joint reconstructions
Digestive system
Gastrointestinal endoscopy
Hernia and appendix
Kidney and bladder
Lung and chest
Blood
Bone, joint, muscle
Brain and nervous system
Chemotherapy, radiotherapy and immunotherapy for cancer
Breast surgery (medically necessary)
Dental surgery
Hospital psychiatric services
Palliative care
SEE ALL INCLUSIONS
What's not covered with Silver+ Hospital Essentials
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.
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
- Cataracts
SEE ALL EXCLSUIONS
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
Do you need help finding the right cover?
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Download guides
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.
FAQs
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.
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.
Find out moreWe 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.
Find out moreA pre-existing condition is an ailment or illness that existed before starting or upgrading your hospital cover. Even if the condition had not yet been diagnosed.
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