Hunter Health Insurance
Silver+ Saver Excess 2 $500 Hospital & Hunter Extras (Family)
Hunter Health Insurance (a CDH Benefits Fund policy)
How $492.93 is worked out
- Premium as filed - $649.60 a month (hospital share $382.20)
- Government rebate - 24.1% of the premium (never of the loading): -$156.67
- A month - $492.93
Go to insurer no commission on this policy
Hospital: what is covered
Covered (30)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (2)
- Hospital psychiatric services
- Palliative care
Not covered (6)
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private or public hospital
- Excess - Capped per year. $500 per admission. $1,000 per policy a year. No excess for dependants.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: NSW/ACT residents -Ambulance coverage is included Australia wide. Residents of all other States please contact the fund for details. NOTE: This Hospital cover provides cover for a Gap Cover Scheme minimising Out-of-Pocket expenses for Doctors services. ****Accident cover is allowed provided you are admitted to hospital (1 day waiting period).
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): 100% back; Scale and clean (item 114): 100% back; Fluoride treatment (item 121): $25.00; Tooth extraction (item 322): $125.00 | Gap Free Preventative Dental 100% Benefit Limit 2 Service Person Per Year Items Number 011-015 111-116 |
| Major dental | 12 months | Crown (item 615): $800.00 | $850 per person a year |
| Root canal | 2 months | Root canal (item 417): $125.00 | no yearly limit |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): $2400.00 | $400 per person a year, $2,400 lifetime |
| Glasses and contact lenses | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $299 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $70.00 | $700 per person a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $40.00; Follow-up visit: $36.00 | $700 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $26.00; Follow-up visit: $22.00 | $480 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $26.00; Follow-up visit: $22.00 | $480 per person a year (shared with other services) |
| Psychology | 2 months | First visit: $38.00; Follow-up visit: $38.00 | $480 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $480 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $480 per person a year (shared with other services) |
| Hearing aids | 12 months | Hearing aid: 75% back | $750 per person a year |
| Blood glucose monitors | 12 months | Blood: 75% back | $100 per person a year |
| Antenatal and postnatal | 2 months | First visit: $15.00; Follow-up visit: $15.00 | $150 per person a year |
| Dietitian | none | First visit: $26.00 | $480 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $26.00; Follow-up visit: $26.00 | $480 per person a year (shared with other services) |
| Health management programs | 2 months | Benefit: $50.00 | $100 per person a year |
| Home nursing | 2 months | First visit: $16.00; Follow-up visit: $16.00 | $750 per Calendar Year |
| Occupational therapy | 2 months | First visit: $28.00; Follow-up visit: $28.00 | $700 per person a year (shared with other services) |
| Orthotics | 12 months | Benefit: 75% back | $150 per person a year |
| Osteopathy | 2 months | First visit: $26.00; Follow-up visit: $22.00 | $480 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $28.00; Follow-up visit: $32.00 | $700 per person a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $70.00 | $700 per person a year (shared with other services) |
Not covered: Audiology, Chinese herbal medicine, Eye therapy (orthoptics).
Other services, as filed: CSIRO Total Wellbeing Diet $299 1 Per Membership Per Year
Ambulance
No ambulance cover.
Agreement hospitals in Northern Territory
Hunter Health Insurance has agreements with 2 private hospitals here, as filed with the Ombudsman.
The list
- Darwin Day Surgery - Wanguri (day hospital)
- Darwin Private Hospital - Tiwi
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | $500 | $614.84 |
| NSW | Me and my partner | $250 | $684.54 |
| NSW | My family | $500 | $614.84 |
| NSW | My family | $250 | $684.54 |
| NSW | Just me | $500 | $307.42 |
| NSW | Just me | $250 | $342.27 |
| NT | Me and my partner | $500 | $649.60 |
| NT | Me and my partner | $250 | $697.76 |
| NT | My family | $500 | $649.60 |
| NT | My family | $250 | $697.76 |
| NT | Just me | $500 | $324.80 |
| NT | Just me | $250 | $348.88 |
| QLD | Me and my partner | $500 | $649.60 |
| QLD | Me and my partner | $250 | $701.64 |
| QLD | My family | $500 | $649.60 |
| QLD | My family | $250 | $701.64 |
| QLD | Just me | $500 | $324.80 |
| QLD | Just me | $250 | $350.82 |
| SA | Me and my partner | $500 | $649.60 |
| SA | Me and my partner | $250 | $704.50 |
| SA | My family | $500 | $649.60 |
| SA | My family | $250 | $704.50 |
| SA | Just me | $500 | $324.80 |
| SA | Just me | $250 | $352.25 |
| TAS | Me and my partner | $500 | $649.60 |
| TAS | Me and my partner | $250 | $704.50 |
| TAS | My family | $500 | $649.60 |
| TAS | My family | $250 | $704.50 |
| TAS | Just me | $500 | $324.80 |
| TAS | Just me | $250 | $352.25 |
| VIC | Me and my partner | $500 | $649.60 |
| VIC | Me and my partner | $250 | $710.42 |
| VIC | My family | $500 | $649.60 |
| VIC | My family | $250 | $710.42 |
| VIC | Just me | $500 | $324.80 |
| VIC | Just me | $250 | $355.21 |
| WA | Me and my partner | $500 | $649.60 |
| WA | Me and my partner | $250 | $697.76 |
| WA | My family | $500 | $649.60 |
| WA | My family | $250 | $697.76 |
| WA | Just me | $500 | $324.80 |
| WA | Just me | $250 | $348.88 |
Member retention (hospital cover)
89.5% is the Commonwealth Ombudsman's figure for CDH, the insurer of Hunter Health Insurance, in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J32/WDRB2D, filed by CDH Benefits Fund, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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