Young Silver Plus 500

Young Silver Plus 500 offers you top hospital cover for the clinical categories included with a $500 excess.

This product is great for those planning or with a young family as it includes pregnancy and obstetrics cover whilst providing members with cover for more than the minimum clinical category services for a Silver tier product.

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.
            
You can also combine this product with a stand-alone extras cover to tailor your own combined hospital and extras package.

 
HOSPITAL COVER SINGLE EXCESS COUPLES AND FAMILY OVERNIGHT EXCESS  
  Per calendar year Per person, per calendar year Maximum per policy, per calendar year
Young Silver Plus 500 $500 $500 $1000

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.
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

Hospital Benefits

Accommodation and theatre fees

Full cover for hospital accommodation and theatre fees in all contracted private hospitals and day-hospital facilities in Australia, except for restricted services. (Medical certification is required after 35 continuous days within hospital).

Additional gap cover benefit for partner medical services.

Additional gap cover benefit for medical services provided by practitioners participating in St.Luke’s Gap Cover.

Full cover for intensive and coronary care

Full cover for intensive and coronary care in all contracted private hospitals subject to clinical category. (Medical certification is required).

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 a 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 hospital in-patient medical services. Additional gap cover benefit for hospital in-patient medical services provided by practitioners participating in St.LukesHealth Medical Gap Cover, except for restricted services.

Benefits towards uncontracted private hospitals.

Benefits towards uncontracted private hospitals, except for restricted services. (Patient gaps may apply, you should check with St.LukesHealth before being admitted to an uncontracted hospital).

Excess on overnight hospitalisation

Excess on overnight hospitalisation for adults

Excess on same-day hospitalisations

Excess on same-day hospitalisations

No excess on child dependants

No excess on child dependants

Medicare Levy Surcharge Exemption

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

 

Waiting periods apply.

Waiting periods apply. (Refer to membership conditions 1 and 2).
Not covered: Cosmetic surgery and other surgical procedures not covered by Medicare. (Refer to membership conditions 6 and 8).

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

Lifetime Health Cover & Medicare Levy Surcharge

There are a range of government initiatives that will affect your health cover.

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