The tiers are
Basic
Bronze
Silver
Gold

Quality hospital cover without the Gold tier price tag

Silver hospital cover provides a wide range of clinical categories without having to pay for categories you might not use. Silver tier cover is designed for those who enjoy an active lifestyle, to help provide confidence going into new adventures. It covers additional clinical categories to lower tiers such as back, neck and spine treatment, as well as the heart and vascular system. 

  

Features of Silver tier:

  • Extensive cover for those who are not planning a family soon
  • Almost all available clinical categories are included 
  • Designed for people living an active lifestyle
Here is our hospital cover in Silver tier

*Minimum direct debit frequency is fortnightly. Price is for a single in NSW under the age of 65. No Lifetime Health Cover loading applied, and base tier Australian Government Rebate included. Price does not include age-based discount. Hospital cover price is based on an excess of $750.
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Compare the different tiers

How to read our table:

Included Included  Restricted Restricted cover  Not included Not Included

See our Glossary for help on definitions


Hospital treatment coverage by clinical category and insurance tier
Hospital treatment by clinical category Basic Bronze Silver Gold
Rehabilitation Restricted Restricted Included Included
Hospital psychiatric services Restricted Restricted Restricted Included
Palliative care Restricted Restricted Included Included
Brain and nervous system Not Included Included Included Included
Eye (not cataracts) Not Included Included Included Included
Ear, nose and throat Not Included Included Included Included
Tonsils, adenoids and grommets Not Included Included Included Included
Bone, joint and muscle Not Included Included Included Included
Joint reconstructions Not Included Included Included Included
Kidney and bladder Not Included Included Included Included
Male reproductive system Not Included Included Included Included
Digestive system Not Included Included Included Included
Hernia and appendix Not Included Included Included Included
Gastrointestinal endoscopy Not Included Included Included Included
Gynaecology Not Included Included Included Included
Miscarriage and termination of pregnancy Not Included Included Included Included
Chemotherapy, radiotherapy and immunotherapy for cancer Not Included Included Included Included
Pain management Not Included Included Included Included
Skin Not Included Included Included Included
Breast surgery (medically necessary) Not Included Included Included Included
Diabetes management (excluding insulin pumps) Not Included Included Included Included
Heart and vascular system Not Included Not Included Included Included
Lung and chest Not Included Not Included Included Included
Blood Not Included Not Included Included Included
Back, neck and spine Not Included Not Included Included Included
Plastic and reconstructive surgery (medically necessary) Not Included Not Included Included Included
Dental surgery Not Included Not Included Included Included
Podiatric surgery (provided by a registered podiatric surgeon) Not Included Not Included Included Included
Implantation of hearing devices Not Included Not Included Included Included
Cataracts Not Included Not Included Not Included Included
Joint replacements Not Included Not Included Not Included Included
Dialysis for chronic kidney failure Not Included Not Included Not Included Included
Pregnancy and birth Not Included Not Included Not Included Included
Assisted reproductive services Not Included Not Included Not Included Included
Weight loss surgery Not Included Not Included Not Included Included
Insulin pumps Not Included Not Included Not Included Included
Pain management with device Not Included Not Included Not Included Included
Sleep studies Not Included Not Included Not Included Included

Source: Australian Government Private Health Insurance Reforms

Frequently asked questions

No, only Bupa's Gold tier private hospital cover includes those options.1 Bupa's Silver tier products are the most coverage you can get without paying for pregnancy and birth, and assisted reproductive services. 

Read more about Bupa's Gold Comprehensive Hospital cover.

Need help or advice?

Talk to a health insurance specialist.

¥ Subject to availability and eligibility. Private room must be booked and requested at least 24 hours before admission. For every night a private room is unavailable, you’ll receive $50 back per night from the hospital. Applies to overnight admissions only. Excludes nursing home type patients, emergency care, same-day stays or where a private room is not medically appropriate. Not available in the NT. Any co-payment excess as part of your cover will still apply.

† If claimable from another source, a benefit won’t be paid by Bupa. Benefits for ambulance transportation is only payable where the provider describes the transportation as an ‘Emergency’. For more, see the Important Information Guide. There is a 1 day waiting period for emergency ambulance and on-the-spot treatment.

1 Waiting periods, fund and policy rules apply.