Astute Silver Plus Hospital 500 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 500 offers you top hospital cover for the clinical categories included, with a $500 excess.
Astute Silver Plus Hospital 500 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 500 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
- 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.