Get 6 weeks FREE On Silver+ or Silver+ Saver
Get 6 weeks FREE cover
on Silver Plus or Silver Plus Saver
Take up an eligible Hunter Health Insurance policy and receive 6 weeks free cover. Simply commence a new Silver Plus or Silver Plus Saver private health insurance policy before 31 January 2027 to redeem this limited time offer!
Our Silver Plus hospital policies are designed for those who want a little more cover without paying for benefits you’re unlikely to use. They include additional benefits beyond standard silver hospital cover giving your access to important treatments usually only covered on a Gold tier policy such as insulin pumps, pain management with a device or sleep studies.
Why choosing us is better for you
We’ve been covering the community since 1952.
No call centre queues
Our entire team is based out of the Hunter Valley region.
Get expert support immediately to spend less time on admin for your health and more time enjoying it.
Choose your doctor
Choose any practitioner.
Your health, your choice.
You’re not restricted to a provider network, giving you complete freedom to choose the doctor that treats you.
Our members come first
As a profit-for-purpose fund, we exist purely to benefit our members.
Whether by keeping premiums low or investing in local healthcare initiatives, all of our profits go into benefiting you, not shareholders.
Cover for the essentials without paying for everything else
Our Silver Plus and Silver Plus Saver hospital policies are ideal if you’re looking for quality private hospital cover without breaking the bank. These policies provide cover for high-need health categories and saves you from paying more for costly services you may not need such as pregnancy or weight loss surgery.
Included hospital services
The following services are included in Silver Plus and Silver Plus Saver:
Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Insulin pumps
Heart and vascular system
Hernia and appendix
Implantation of hearing devices
Joint reconstruction
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon – limited benefits)
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
Silver Plus includes all of the above AND the following services:
Cataracts
Joint Replacement
Restricted hospital services
The following services are included in our Silver Plus and Silver Plus Saver policies with a limited benefit:
Hospital psychiatric services
Palliative care
What does this mean for you?
Restricted hospital services or treatments have a limited benefit which means you are likely to have large out-of-pocket costs for treatment in a private hospital or for a private room in a public hospital.
Excluded hospital services
The following services are not included in Silver Plus:
Assisted reproductive services
Dialysis for chronic kidney failure
Pregnancy and birth
Weight loss surgery
Silver Plus Saver excludes all of the above AND the following services:
Cataracts
Joint replacements
Frequently Asked Questions
Yes we have a Silver Plus Pregnancy hospital policy which covers pregnancy and birth. This policy is not available with the 6 weeks free offer.
The ‘Plus’ in Silver Plus or Silver Plus Saver means our policy includes additional hospital services that go beyond the minimum requirements for a standard Silver level hospital policy. Minimum requirements are set by the Australian government to enable easier comparison for Australians when looking at multiple different policies.
Our Silver Plus and Silver Plus Saver policies are designed to provide cover for a broad range of hospital treatments while excluding some higher-cost services to help keep premiums more affordable.
It’s a great option for people looking for comprehensive private hospital insurance without paying for cover they may not need.
No, our Silver Plus and Silver Plus Saver are hospital insurance policies, so they don’t include benefits for services such as physiotherapy, dental check-ups or other everyday healthcare services.
If you’d like cover for services outside of hospital, you can add an extras cover product. Our extras options include benefits for services such as physiotherapy and dental, with the level of cover depending on the product you choose.
Combining hospital and extras cover can help provide more complete health insurance protection for your everyday and hospital healthcare needs.
If you currently do not have private health insurance, you will need to serve the waiting periods again regardless of any waiting periods previously served.
However, if you currently have cover from another Australian health fund and are wanting to begin a new policy with us, we will honour the existing waiting periods that have been served. If you’ve had a break in cover or if you’re upgrading to a higher level of cover with additional benefits, waiting periods may apply.
It’s important to note that if you are looking to change funds that you do not cancel your existing policy with your current health fund. Instead, contact us and we will communicate with your existing fund on your behalf to ensure a seamless transition that retains your existing waiting periods served.
Still got questions?
Check out our full list of frequently asked questions or get in touch with our friendly team today.
Terms and Conditions
1. Six (6) weeks free premium is available to eligible new members who join an eligible Silver Plus or Silver Plus Saver hospital cover policy between 2 November 2026 and 31 January 2027.
2. Eligible products include:
Silver Plus Saver
Silver Plus
3. The offer is not available on Silver Plus Pregnancy policies.
4. To be eligible, you must not currently hold and must not have held a Hunter Health Insurance policy within the 12 months prior to commencing your new policy.
5. The six (6) weeks free premium credit will be applied as a premium credit to your policy after three (3) consecutive months of continuous membership and premium payments.
6. Premium payments must be up to date at the time the credit is applied.
7. The premium credit will be applied within the first 12 months of membership.
8. This offer is not available in conjunction with any other Hunter Health Insurance promotional offer.
9. Members joining through Corporate or Aggregator channels are not eligible for this offer.
10. Referring members may still be eligible for the existing Refer-a-Friend incentive, subject to the Refer-a-Friend terms and conditions, including the requirement for the referred member to remain on cover for a minimum of two (2) consecutive months.
11. The premium credit is not redeemable for cash and is not transferable.
12. Hunter Health Insurance reserves the right to amend, withdraw or extend this offer at any time.
13. Any personal information collected by Hunter Health Insurance will be handled in accordance with our privacy policy.