Astute Silver Plus Hospital 250 cover offers private hospital cover, with an excess, for all services except for the restricted services listed where the benefit is limited.

Astute Silver Plus Hospital 250 offers you top hospital cover for the clinical categories included, with a $250 excess.

Astute Silver Plus Hospital 250 can be taken as a stand-alone hospital product if you only need hospital cover, or you can tailor your own combined hospital and extras package by combining Astute Silver Plus Hospital 250 with one of our Extras products.

This product provides members with cover for more than the minimum clinical category services for a Silver tier product however it has some exclusions and restriction benefits for psychiatric services.

The clinical category of hospital psychiatric services is a restricted service meaning the benefit is limited, once the excess is deducted, to the public hospital shared ward room rate if you elect to be treated as a private patient in a public hospital.  There is very limited cover for a restricted service in a private hospital. If you do elect to be treated in a private hospital for the restricted services significant out-of-pocket costs will apply.  Some clinical categories are excluded from cover and therefore no benefit is payable.


  • Hospital psychiatric services


  • Pregnancy and birth
  • Assisted reproductive services
  • Pain management with devices
  • Cataracts
  • Joint replacements
  • Dialysis for chronic kidney disease
  • Weight loss surgery
  • Cosmetic surgery and other surgical procedures not covered by Medicare. (Refer to Membership Conditions 6 & 8)

For information on waiting periods, including pre-existing conditions click here.

For information on exclusions, restrictions and/or excesses refer to our membership conditions.

A full list of the private hospitals and day hospital facilities that are contracted with the underwriter St.LukesHealth is available here.

To find out more about pricing, please click here.

Astute Silver Plus Hospital 250

Hospital Cover Single Excess Couples & Family Excess
Per calendar year Per person, per calendar year Maximum per policy, per calendar year
Astute Silver Plus Hospital 250 $250 $250 $500

The excess for adults will apply to both overnight and same-day hospitalisations. The same-day excess will be half the chosen excess up to the maximum product excess. The excess does not apply to children covered by the policy.

Dependant extension option available on this product:
Our dependent extension option means that your non-student child dependant can remain on their parent’s policy for an additional premium, provided they are aged between 23 and 25, not studying full-time and are not married or living in a defacto relationship.

For more information on Dependant Extension, contact Astute Simplicity Health on 1300 090 960.

Hospital Benefits

Full cover for hospital accommodation and theatre fees in all contracted private hospitals and day hospital facilities within Australia (Medical certification is required after 35 continuous days in hospital).
Full cover for intensive and coronary care in all contracted private hospitals subject to clinical category (Medical certification is required).
Benefits will be paid at no less than the minimum benefit when you elect to be treated as a private patient in all public hospital within Australia.
Benefits towards approved surgically implanted prostheses.
The gap between the Medicare benefit and the Medicare Benefit Schedule (MBS) fee for medical services performed while you are an inpatient in hospital.
Additional gap cover benefit for medical services provided by practitioners participating in St.LukesHealth Medical Gap Cover.
Benefits towards uncontracted private hospitals (Patient gaps may apply, you should check with the underwriter St.LukesHealth before being admitted to an uncontracted hospital).
Restricted and excluded services apply to this product (Refer to membership conditions 4 and 5).
Not covered: cosmetic surgery and other surgical procedures not covered by Medicare (Refer to membership conditions 6 and 8).
Excess applies to adults on overnight hospitalisations.
The excess for adults on same-day hospitalisations will be half the chosen excess up to the maximum product excess.
No excess on child dependants.
Waiting periods apply (Refer to membership condition 1).
Exempts high-income earners from having to pay the additional Medicare Levy Surcharge.
Ambulance subscriptions are claimable up to an annual premium, where there is no state-based Ambulance scheme or levy.

Want to find out more?

Call today on 1300 090 960