Member Guide - RACT

Silver HospitalHOSPITAL COVERRecommended for:Silver Hospital gives you a moderate level of cover for commontreatments in a private hospital excluding a range of treatmentsand services to help reduce the premium.ExclusionsTo reduce the premium, Silver Hospital excludes the following services:✗ Obstetrics✗ Joint replacement✗ Cosmetic surgery✗ IVF and related services✗ Cataract surgery and corneal transplants✗ Haemodialysis✗ Gastric banding and obesity surgeries✗ Dental implantsWhat's covered in a participating private hospital?For services not listed under 'exclusions' Silver Hospital provides cover 1 atparticipating private hospitals for:3 Private hospital accommodation^ in a shared room3 Partial cover in a single room (a co-payment of $100 per day, capped at 7 daysper admission applies) 23 Medical gap (see pages 22-23 for details)3 Theatre3 Intensive and coronary care3 Same-day treatment3 Surgically implanted prostheses (Government prostheses list group benefits 3 )3 Other agreed charges.Excess optionsYou can reduce your premium by selecting one of thefollowing calendar year excess options:Excess options tableAdmission excess (privatehospital – overnight)Admission excess(public hospital orday stay)Maximum annual excess – perpersonMaximum annual excess –singlesMaximum annual excess –familiesLevel 0excessTo find out more about excess payments see page 51Level 1excessLevel 2excessnil $250 $500nil $125 $250nil $250 $500nil $250 $500nil $500 $1,000Unlike Platinum and Gold covers the excess appliesfor child dependants on all Silver Hospital covers.^Other private hospitalsFixed benefits are payable in non-participatingprivate hospitals(see page 54 for more details).Waiting periodsPlease refer to the information on pages 11 and57 regarding waiting periods and pre-existingconditions.Benefit limitation periodsA 24-month benefit limitation period applies tothe following service:• PsychiatricSee page 47 for more information.1 Limited benefits may apply to high cost drugs. Drugs purchased outsidethe hospital are not included.2 Please note that some private hospitals only have single rooms andco-payments will apply.3 Benefits are no higher than the No Gap Government prescribed benefit.HOSPITAL COVERWhat's covered in a public hospital?For services not listed under 'exclusions' Silver Hospital cover provides cover* as aprivate patient in a public hospital for accommodation^ in a shared room or partialcover in a single room (co-payments of $100 per day apply for single rooms,capped at 7 days per admission).18