Astute Silver Plus Hospital 500

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.

Astute Silver Plus Hospital 500

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 500 $500 $500 $1000

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.

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.

Dependant extension option available on this product:
Our dependant 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.

From

Per
*Prices displayed assume no lifetime health cover loading and base tier government rebate included. Price may vary if details change.
*Prices displayed assume no lifetime health cover loading and base tier government rebate included. Price may vary if details change.
Clinical Categories
CLINICAL CATEGORIES INCLUDED RESTRICTED EXCLUDED
Rehabilitation Yes    
Hospital psychiatric services   Yes  
Palliative care Yes    
Ear, nose & throat Yes    
Tonsils, adenoids and grommets Yes    
Bone, joint and muscle Yes    
Joint reconstruction Yes    
Hernia and appendix Yes    
Gynaecology Yes    
Brain and nervous system Yes    
Digestive system Yes    
Gastrointestinal and endoscopy Yes    
Chemotherapy, radiotherapy and immunotherapy for cancer Yes    
Pain management Yes    
Breast surgery (medically necessary) Yes    
Eye (not cataracts) Yes    
Kidney and bladder Yes    
Male reproductive system Yes    
Miscarriage and termination of pregnancy Yes    
Skin Yes    
Diabetes Yes    
Dental surgery Yes    
Lung and chest Yes    
Blood Yes    
Plastic and reconstructive surgery (medically necessary) Yes    
Implantation of hearing devices Yes    
Back, neck and spine (incl. fusion) Yes    
Heart and vascular system Yes    
Podiatric surgery (provided by an accredited podiatric surgeon) Yes    
Pregnancy and birth     Yes
Assisted reproductive services     Yes
Insulin pumps Yes    
Pain management with device     Yes
Sleep studies Yes    
Cataracts     Yes
Joint replacements     Yes
Dialysis for chronic kidney disease     Yes
Weight loss surgery     Yes

Benefits

Accommodation and theatre fees

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).

Minimum benefit guaranteed for private patients in public hospitals.

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.

Benefits towards approved surgically implanted prostheses.

Cover for Medicare Benefit Schedule (MBS) fees for hospital inpatients.

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 partner medical services.

Additional gap cover benefit for medical services provided by practitioners participating in St.LukesHealth Medical Gap Cover.

Benefits towards uncontracted private hospitals.

Benefits towards uncontracted private hospitals (Patient gaps may apply, you should check with Astute Simplicity Health before being admitted to an uncontracted hospital).

Excess applies to adults on overnight hospitalisations.

Excess applies to adults on overnight hospitalisations.

Half excess on same-day hospitalisations

Half excess on same-day hospitalisations

No excess on child dependants.

No excess on child dependants.

Waiting periods apply

Waiting periods apply (Refer to membership conditions).

Medicare Levy Surcharge Exemption

Exempts high-income earners from having to pay the additional Medicare Levy Surcharge.

Ambulance subscriptions are claimable up to an annual premium

Ambulance subscriptions are claimable up to an annual premium, where there is no state-based Ambulance scheme or levy.

Need help deciding?

Our friendly staff are only a phone call away and are trained to provide. personalised service to assist you in choosing the level of health cover you require
Underwritten by St.LukesHealth

Disclaimers

These products are underwritten by St Luke's Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

* The discount cannot be combined with other discounts available under other arrangements between St.LukesHealth and other alliance partners. The discount quoted is off the gross St.LukesHealth premiums. Direct debit is the only payment method available to Astute Simplicity Health members.

^ For some preventative dental items on selected products. Annual limits, fund rules and waiting periods apply. Under Gap Free Preventative Dental we pay 100% of your dentists regular fee up to a maximum benefit for each service.

#Selected products are Packaged Astute Gold 250, Packaged Astute Gold 500, Astute Top Hospital Gold 250, Astute Top Hospital Gold 500