Shelter in hospital shady retreat (7)

I believe the answer is:

harbour

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'shelter in hospital' is the definition.
'harbour' can be an answer for 'shelter' (I've seen this before). I am not certain of the 'in hospital' bit.

'shady retreat' is the wordplay.
'shady' becomes 'h' (I can't explain this - if you can you should believe this answer much more).
'retreat' becomes 'arbour' (I've seen this before).
'h'+'arbour'='HARBOUR'

Can you help me to learn more?

(Other definitions for harbour that I've seen before include "Place of refuge" , "Bear" , "mole" , "Sheltered port" , "Hide - entertain - port" .)

I've seen this clue in the Sydney Morning Herald.

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