Why choose Silver+ Family Hospital
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!
Comfort and care
Reduced medical costs
Family planning
What's covered with Silver+ Family Hospital
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.
Pregnancy and birth
Assisted reproductive services
Heart and vascular system
Back, neck and spine
Bone, joint, muscle
Kidney and bladder
Lung and chest
Dental surgery
Skin
Blood
Gynaecology
Plastic and reconstructive surgery (medically necessary)
Breast surgery (medically necessary)
Brain and nervous system
Hernia and appendix
Joint reconstructions
Chemotherapy, radiotherapy and immunotherapy for cancer
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Hospital psychiatric services
SEE ALL INCLUSIONS
What's not covered with Silver+ Family Hospital
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.
- Cataracts
- Weight loss surgery
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
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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 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, 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 moreIf your hospital cover includes pregnancy and birth-related services with no exclusions, you're fully covered for accommodation, theatre and labour ward charges when admitted to a hospital. Medical costs for inpatient services by specialists are covered except for pathology, radiology and any incidentals.
Find out moreSEE ALL FAQS
