Mid Classic Silver +
Broad cover that won't break the budget
As one of our mid-level options, Mid Classic (Silver Plus) is designed to give you cover for everyday health needs, but not the expensive big-ticket services.
Mid Classic (Silver Plus) provides private hospital cover for a wide range of services, including coverage for services such as heart and vascular and joint reconstructions. This cover also includes some excluded services, such as pregnancy and birth and joint replacements. You can choose a $300 or $500 excess for this cover.
Please note from 1 April 2020, cover for Hospital Psychiatric Services will be classed as restricted. This means the product will no longer cover Hospital Psychiatric Services in a private hospital. As a restricted service, the product will continue to cover treatment in a public hospital as a private patient (at the shared room rate only).
Scope of cover
Like all health funds, waiting periods may apply when you take out your cover. You may have to wait if:
- You’re new to private health insurance
- You upgrade your cover to include things that weren’t covered before
- You switch health funds and increase your cover to include things that weren’t covered before.
Hospital Waiting Periods
|Pre-existing conditions*||12 months|
|Psychiatric, rehabilitation and palliative care||2 months|
|All other hospital services||2 months|
|Emergency ambulance transport||1 day|
|Non-emergency ambulance transport||1 day|
*A pre-existing condition is an illness, ailment or condition where the signs or symptoms of which, in the opinion of the Fund Medical Advisor or other relevant medical practitioner appointed by UniHealth, existed at any time during the six months before taking out private health insurance or transferring to a higher level of cover. This rule applies to new members to private health insurance and existing members who are upgrading their level of cover. If you are a new member to private health insurance you will have to wait 12 months before you can receive benefits for items or services related to a pre-existing condition. If you change to a higher level of cover, you may have to wait 12 months to receive benefits, including benefits for services not previously covered. A 12 month waiting period applies to all pre-existing conditions except pregnancy & birth related services, which is a 9 month waiting period and psychiatric, palliative care and rehabilitation, which is a two month waiting period.