Hospital Cover
With a range of Hospital policies available,
find the best cover for you.
Hospital cover is designed to help with the cost of treatment if you need to go to hospital. We offer a range of Hospital products to choose from so you can pick the product that you think best meets your needs in the future.
Discover Our Individual Hospital Cover Plans
At Hunter Health Insurance, we have a range of private hospital policies so that you can choose the right level of cover for your individual needs.
Basic
Affordable cover for the basics, providing choice in care in a public hospital (no private hospital cover).
Basic hospital cover is a type of private health insurance that provides limited benefits for hospital treatment in public hospitals. This level of cover is adequate to avoid the Medicare Levy Surcharge or the accrual of Lifetime Health Cover loading. Basic hospital cover has lower premiums and is an affordable option for those looking for a basic level of cover.
Bronze Plus Packaged
Affordable singles cover providing choice of care in private hospitals bundled with an extras package for ancillary services.
Bronze hospital cover provides more coverage than basic hospital cover at an affordable premium. It includes a set list of minimum treatments, such as joint reconstructions or chemotherapy, but excludes more complex services like cataracts or joint replacements. Bronze cover is a great option for affordable protection with a broader range of hospital treatments. As a packaged product, this cover is bundled with our Ideal extras package for additional services such as general dental including fillings, optical, physiotherapy, chiropractic, remedial massage and more.
Bronze Plus
Affordable singles or family cover providing choice of care in private hospital.
Bronze hospital cover provides more coverage than basic hospital cover at an affordable premium. It includes a set list of minimum treatments, such as joint reconstructions, hernia and appendix surgery, and chemotherapy, but excludes more complex services like heart surgery, pregnancy, cataracts or joint replacements. Bronze cover is a good option for those wanting affordable protection with a broader range of hospital treatments while still keeping premiums relatively low.
Silver Plus Saver
Affordable singles or family cover for peace of mind.
Our Silver Plus Saver hospital policy offers a balance between affordability and comprehensive cover. This cover provides additional cover above Bronze cover for additional treatments such as heart procedures, lung and chest, and rehabilitation. Designed for those who want greater peace of mind, Silver Plus Saver helps you access private hospital care, shorter wait times, and specialist treatment—all while keeping your premiums lower than top-tier plans.
Silver Plus Pregnancy
Tailored cover that includes pregnancy benefits for new and growing families.
Our Silver Plus Pregnancy hospital policy is designed for growing families, providing private health cover for specialised maternity care and essential hospital treatments. It includes private hospital birth options, obstetric services, and postnatal care, giving you the flexibility to choose your own doctor and hospital. Along with pregnancy benefits, this policy also covers critical services like heart procedures, joint reconstruction, gynaecology, and more to provide comprehensive protection for you and your baby.
Silver Plus
Our most extensive cover for singles or families, including cataracts and hearing devices.
With our Silver Plus hospital policy you can have peace-of-mind with comprehensive hospital cover for those wanting extensive private hospital benefits at a great value. In addition to the benefits of our bronze packages, this policy also covers rehabilitation, insulin pumps, sleep studies and hearing devices plus some extra Gold-level benefits like joint replacements and cataracts. With shorter wait times, access to private hospitals, and the ability to choose your own doctor, Silver Plus gives you peace of mind and quality care—without overpaying.
Why Choose Hunter Health Insurance?
At Hunter Health Insurance, we are dedicated to supporting the health and wellbeing of our community as a local health insurer for over 70 years.
Our members are supported by our knowledgeable local team at our Hunter Valley branch – no call centre queue.
Freedom to choose your doctor, dentist, or other medical practitioner – you are not limited to a preferred network.
We provide a range of policies that are simple to understand so that you can choose the right cover for your needs. All of our hospital products are plus rated which means they not only meet the minimum standard for that level of cover but they also provide additional cover beyond the minimum requirements.
Take Charge of Your Health Today
Don’t leave your health to chance—get the protection you need with Hunter Health Insurance. Get a quote online – no sign up required or contact us today to learn more about our Hospital Cover plans.
Frequently Asked Questions
Hospital Cover helps pay for your hospital treatment as a private patient in either a public or private hospital.
Yes, our Hospital Cover allows you to choose from a range of public and private hospitals.
We offer several plans to fit different needs. Contact our team for personalised advice on which plan suits your healthcare needs best.
Some treatments may have exclusions or waiting periods. It’s important to review your plan details or speak with our advisors.
Making a claim is simple. Submit your hospital bills through our online portal, and we’ll handle the rest.