Astute Simplicity Health will be closed on Thursday, April 25 for the ANZAC Day public holiday and will re-open on Friday, April 26.

Astute Silver Plus Hospital

Astute Silver Plus Hospital

Offers private hospital cover, with an excess, for the included clinical categories and can be packaged with one of our Extras products.

Astute Silver Plus Hospital offers you top hospital cover for the clinical categories included, with a $250 or $500 excess.

Astute Silver Plus Hospital can be taken as a stand-alone hospital product if you only need hospital cover, or you can tailor your own combined hospital and extras package by combining Astute Silver Plus Hospital with one of our Extras products.

This product provides members with cover for more than the minimum clinical category services for a Silver tier product however it has some exclusions and restriction benefits for psychiatric services.
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.

Astute Silver Plus Hospital 250

Hospital Cover Single Excess Couples & Family Excess
  Per calendar year Per person, per calendar year Maximum per policy, per calendar year
Astute Silver Plus Hospital 250 $250 $250 $500
Astute Silver Plus Hospital 500 $500 $500 $1,000

The excess for adults will apply to both overnight and same-day hospitalisations. The same-day excess will be half the chosen excess up to the maximum product excess. The excess does not apply to children covered by the policy.

For information on waiting periods, including pre-existing conditions click here.

For information on exclusions, restrictions and/or excesses refer to our membership conditions.

A full list of the private hospitals and day hospital facilities that are contracted with the underwriter St Lukes is available here.

Dependant extension option available on this product:
Our dependant extension option means that your non-student child dependant can remain on their parent’s policy for an additional premium, provided they are aged between 23 and 25, not studying full-time and are not married or living in a defacto relationship.

For more information on Dependant Extension, contact Astute Simplicity Health on 1300 090 960.

Hospital Benefits

Weight loss surgery

Dialysis for chronic kidney disease

Joint replacements


Sleep Studies

Pain management with device

Insulin pumps

Assisted reproductive services

Pregnancy and birth

Podiatric surgery (provided by an accredited podiatric surgeon)

Heart and vascular system

Back, neck and spine (incl. fusion)

Implantation of hearing devices

Plastic and reconstructive surgery (medically necessary)


Lung and chest

Dental surgery

Diabetes (excluding insulin pumps)


Miscarriage and termination of pregnancy

Male reproductive system

Kidney and bladder

Eye (not cataracts)

Breast surgery (medically necessary)

Pain management

Chemotherapy, radiotherapy and immunotherapy for cancer

Gastrointestinal and endoscopy

Digestive system

Brain and nervous system


Hernia and appendix

Joint reconstruction

Bone, joint and muscle

Tonsils, adenoids and grommets

Ear, nose & throat

Palliative care

Hospital psychiatric services (R)


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.