Our most comprehensive hospital product
Better Hospital (Silver+) is our most comprehensive hospital product – it’s most popular with people who want great peace of mind, covering you for a wide range of inpatient hospital services like pregnancy, heart-related procedures, major eye surgery and joint replacement surgery.
Best suited for couples, singles and families wanting a high level hospital cover.
Features:
- Our highest level of hospital cover
- Cover for private hospital accommodation^
- Doctors’ fees for services provided in a hospital^
- Cover for most major surgeries^
- Choice of a $250 or $500 excess
- Age-based discounts available for eligible policy holders*
- Combine with any of our extras products
^ Once all applicable waiting periods have been served. Some services are excluded or restricted on this level of cover; for these services there is no benefit payable (excluded services) or reduced benefit entitlement (Restricted Services).
* Better Hospital (Silver+) is an age-based discount policy and also a retained age-based discount policy. For more information on eligibility to these discounts please refer to information here.
What you're covered for
From
$21.19
per week
Price quoted is for Better Hospital (Silver+) Cover standalone for a single in Northern Territory, including a 24.608% Australian Government Rebate with a $500 excess.
Important information
Nationwide ambulance cover
You never know when an accident might happen and you need to be rushed to hospital in an emergency.
We cover emergency ambulance transport when it results from an unplanned or non-routine event where you need immediate medical attention.
Please note, that residents in different States may be covered slightly differently, depending on ambulance agreements with the various State governments. Information found here broadly outlines ambulance services State by State.
Accommodation benefit
We understand that substantial travel is sometimes required for our rural and regionally based Members when they are seeking treatment for a medical condition.
So for Members travelling for their medical treatment, we provide accommodation benefits to subsidise the costs of your stay. Learn more.
Clinical categories
Clinical categories are defined by the Department of Health and detailed in the Private Health Insurance (Reforms) Amendment Rules 2018. A copy of the clinical categories, detailing the scope of cover can be viewed here.
Restricted benefits
You will be covered for shared ward accommodation in a public hospital only. While you can choose to go to a private hospital or day surgery for the service or treatment, your admission is not fully covered and will likely result in large out-of-pocket expenses. Some private specialists may not operate in a public facility, please take this into consideration when making a hospital product choice.
Excluded Services
Hospital or day surgery admissions for these services in either a public or private facility will receive no benefit from Territory Health Fund. As well there is no benefit payable for services for which Medicare pays no benefit e.g. most cosmetic surgery.