FAM
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.
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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.
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Why trust us with your health
As a not-for-profit and member-owned fund we understand our members needs and provide outstanding local customer service to union members and their families.
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 a hand choosing the right cover?
Help us understand your needs and in just 20 seconds we'll match you with the perfect health cover.
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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.
FAQs
Access Gap Cover is available with all Union Health 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.
Find out moreFor 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 which have a 12 months waiting period, and pregnancy and birth, which have a 9 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.
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