Protector Silver Plus Hospital
Protect your health with what you need.
With multiple excess options available, this covers you for the essentials you need, excluding pregnancy and obstetric-related services.
Our Protector Silver Plus Hospital products give you top private Hospital cover for the clinical categories covered, with the choice of multiple excess options.
This product provides members with cover for more than the minimum clinical category services for a Silver tier product however it has more exclusions than our Gold cover options.
You can also combine this product with a stand-alone extras cover to tailor your own combined hospital and extras package.
For all Protector Silver Plus Hospital products, the full excess for adults applies to both same-day and overnight hospitalisations. The excess does not apply to child dependants covered on the policy.
For information on waiting periods, including pre-existing conditions, exclusions, restrictions, co-payments and or excesses, visit our membership conditions.
A full list of contracted private hospital and day-hospital facilities contracted with St.LukesHealth can be found here.
| Hospital Cover Benefits | Protector Silver Plus Hospital |
| 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). | Yes |
| Benefits will be paid at no less than the minimum benefit when you elect to be treated as a private patient in all public hospitals within Australia. | Yes |
| Benefits towards approved surgically implanted prostheses. | Yes |
| The gap between the Medicare benefit and the Medicare Benefit Schedule (MBS) fee for medical services performed while you are an inpatient in hospital. | Yes |
| Additional gap cover benefit for medical services provided by practitioners participating in St Lukes Medical Gap. | Yes |
| Benefits towards uncontracted private hospitals (patient gaps may apply, you should check with St Lukes before being admitted to an uncontracted hospital). | Yes |
| No waiting periods apply if switching to an equivalent or lower level of cover. | Yes |
| Full cover for intensive care in all contracted private hospitals (medical certification is required). | Yes |
| Full cover for coronary care in all contracted private hospitals (medical certification is required). | Yes |
| Hospital accommodation for podiatric surgery (doesn't include doctors' fees). | Yes |
| Excess applies for overnight hospitalisations. | Yes |
| Excess applies for same-day hospitalisations. | Yes |
| No excess on hospitalisations for child dependants. | Yes |
| Exempts high income earners from having to pay the additional Medicare Levy Surcharge. | Yes |
| Access to our Private Postnatal Care Service for Northern Tasmanian members. | No |
| No excluded services. | No |
| Cosmetic surgery and other surgical procedures not covered by Medicare. | No |