Mid Classic

Mid Classic
Silver +

Your Cover





* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in . Please note that our prices will increase from 1 April

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Mid Classic Silver +

Broad mid-level cover

Mid Classic includes many of the services you get on Top Hospital. To lower the cost there are a few things you can’t claim for, like pregnancy and birth, joint replacements and weight loss surgery. Your excess options are $300 or $500.

Learn how we help Teachers Health members avoid, or minimise, out-of-pocket expenses for doctors’ costs and hospital bills.


Not Covered

Scope of cover

Additional Information
Accommodation – shared and private room (where available)
Theatre fees, intensive care fees
Labour ward fees
Shared room
Private room (where available)
Labour ward fees (Mid Classic)

Important info

What you need to know about restricted services, waiting periods and choosing an excess.

Restricted Services

Here’s an overview of what we’ll pay for and what you’ll have to pay for if going to hospital for treatment for a service that’s restricted. Note that scheduling of treatment will be up to the treating specialist and/or hospital.

In a public hospital:

  • We pay – accommodation in a shared room (as long as the hospital doesn’t charge above the default rate set out by the Federal Government), and medical costs.
  • You pay – any excess (if applicable), and any gap if your hospital charges above the default rate.

In a private hospital:

  • We pay – accommodation in a shared room (at the default rate set out by the Federal Government), and medical costs.
  • You pay – any excess (if applicable) and the balance of accommodation costs, plus any theatre costs. This could be costly, so ensure the hospital provides you with the potential costs upfront.

You should make sure you have a breakdown of all out-of-pocket costs you’ll need to pay before agreeing to treatment. This is called informed financial consent.

Learn more about restricted services


Waiting periods

To keep health insurance fair for everyone, you may need to wait for a while before you can claim.

This can happen if you:

  • are new to private health insurance.
  • upgrade your cover to include things that weren’t covered before.
  • upgrade your cover when you join from another health fund.

If you’re switching to Teachers Health from another fund, join us within 60 days to avoid re-serving any applicable waiting periods.


Standard 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

Choosing an excess

A higher excess can keep your membership costs down. The excess is an agreed amount that you pay directly to the hospital on your admission. You’ll only pay the total excess once per person, per calendar year (if you claim on your Hospital cover that year). There’s no excess for any kids on your cover, if they’re under 32.