Gold health insurance
Find gold hospital cover for the most comprehensive health insurance
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Thanks to new health insurance reforms in Australia, it's easier than ever to find the best cover to suit your needs. Gold tier hospital cover is the top level of hospital insurance and provides you with access to a range of services not covered by the other tiers including IVF treatments, psychiatric care and weight loss surgery.
Best Gold Health Insurance 2020
Below you'll find the finalists from the 2020 finder awards. Each policy was chosen based on criteria such as the excess/co-payment amount, number of associated (agreement) hospitals, treatments covered in public or private hospitals, waiting periods and annual benefit limits.
What is Gold hospital cover?
Under the new system of health insurance in Australia, hospital cover is now split into four distinct categories, Basic, Bronze, Silver and Gold. As part of the reforms, for a policy to carry the Gold tier classification, it must cover treatments in all 38 clinical categories, giving you unrestricted access to treatments in these categories.
Compare the cost of Gold health insurance
The following table shows insurers from Finder partners that offer Gold health insurance. Prices are based on a single person under 65 living in Sydney and earning less than $90,000 per year.
Compare more options for Gold health insurance
Simply enter your details below to see side by side quotes online from Australian health funds. Don't forget to use the filter on your results page to select 'Gold'.
What is covered by Gold hospital policies?
As previously mentioned, Gold hospital policies provide you with access to treatments that are grouped into 38 clinical categories. These categories are:
Policies that are in this tier offer cover for all treatments in the 38 clinical categories above and are not permitted to have any restrictions. However, co-payments may still be applicable depending on your policy.
Who needs Gold hospital insurance?
If you've had top hospital in the past then the Gold tier of hospital is the new equivalent. Those who benefit most from taking out a Gold tier policy are those who need access to any of the following treatments as they are not covered under any of the other tiers:
People starting a family
If you're starting a family and want to have access to a private room for your pregnancy you're going to want cover on the Gold tier. Gold tier covers both the pregnancy and birth but can also provide you with cover for assisted reproductive services (ART) such as in-vitro fertilisation (IVF). Benefits only available on Gold tier hospital include:
- Pregnancy and birth
- Assisted reproductive services
Unfortunately, getting older means you're more susceptible to certain conditions. Two common benefits that are especially helpful for seniors is cover for joint replacement and cover for cataracts surgery. Benefits only available on Gold tier hospital include:
- Joint replacements
Other Gold tier coverage
Gold hospital cover also provides a range of services not covered by other tiers of hospital insurance. If you're looking into weight reduction procedures or have diabetes, then a Gold policy might be suitable. Benefits only available on Gold tier hospital include:
- Dialysis for chronic kidney failure
- Weight loss surgery
- Insulin pumps
- Pain management with device
- Sleep studies
When are these changes happening?
Depending on your insurer, they may have already happened. The product tiers were officially launched on 1 April 2019, with insurers having until 1 April 2020 to make sure all their products fall into these tiers.
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