6 weeks free – Join St Lukes today and you’ll get 6 weeks free on eligible products. Plus, we’ll also waive the 2, 3, and 6 month waiting periods on extras. Offer ends July 31st, 2024, T&Cs apply

Due to maintenance, the St Lukes website, Digital Join and St Lukes Connect will experience intermittent outages between 5:15pm and 11:30pm on Thursday, July 18.

Protector Silver Plus Hospital

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

Hospital Benefits


Hospital psychiatric services

Palliative care

Ear, nose & throat

Tonsils, adenoids and grommets

Bone, joint and muscle

Joint reconstruction

Hernia and appendix


Brain and nervous system

Digestive system

Gastrointestinal and endoscopy

Chemotherapy, radiotherapy and immunotherapy for cancer

Pain management

Breast surgery (medically necessary)

Eye (not cataracts)

Kidney and bladder

Male reproductive system

Miscarriage and termination of pregnancy


Diabetes (excluding insulin pumps)

Dental surgery

Lung and chest


Plastic and reconstructive surgery (medically necessary)

Implantation of hearing devices

Back, neck and spine (incl. fusion)

Heart and vascular system

Podiatric surgery (provided by an accredited podiatric surgeon)

Pregnancy and birth

Assisted reproductive services

Insulin pumps

Pain management with device

Sleep Studies


Joint replacements

Dialysis for chronic kidney disease

Weight loss surgery

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.