Teachers Health Silver Hospital + Extras

Teachers Health Silver Hospital + Extras is a health insurance plan from Teachers Health, available to residents of Australia. Sum insured ranges from varies, eligible ages 18 to 99, and the policy is annual. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at A$110, against a category median of A$105 across the 9 comparable health plans we track in this country. That places Teachers Health Silver Hospital + Extras in the middle of the pack on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 5 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by Teachers Health include Education sector only, Not-for-profit, and Low admin costs. On the rider side, Teachers Health Silver Hospital + Extras can be extended with Gold hospital upgrade and Increased extras limits — each adding to the base premium but also widening what the policy will pay out for.

Where Teachers Health Silver Hospital + Extras explicitly will not pay: Pre-existing (12 months) and Non-members (education sector only). These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.