Gold health insurance
Don't pay more than you need to for Gold Health Insurance - compare your options from Aussie funds.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Gold tier hospital cover is the top level of hospital insurance available in Australia. It will give you access to a range of treatments including pregnancy, joint replacements, cataracts, insulin pumps and weight loss surgery. There are 38 covered in total.
Prices between funds can vary by hundreds of dollars per year - so it's worth reviewing your options.
Compare the cost of Gold health insurance
The following table shows insurers from Finder partners that offer Gold health insurance.
Best Gold Health Insurance: Finder Awards 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 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.
More guides on Finder
Optical inclusion: Extras cover the top reason for taking out health insurance, survey finds
Extras cover is the number one drawcard for Australians who take out private health cover, new research from Finder, Australia’s most visited comparison site, reveals.
Going up: 4.6 million health insurance customers are missing out on potential savings
Millions of Australians could be missing out saving money on their health insurance policy, according to Finder, Australia’s most visited comparison site.
4.1 million Australians may cut ties with their health insurance provider in 2021
Millions of Australians are shopping around for cheaper health insurance in the new year, according to new research by Finder, Australia’s most visited comparison site.
How much do dentures cost in Australia?
Find out how much dentures cost in Australia and how you can get cover with mid-level health insurance.
Life insurance if you have a pacemaker
Can you get life insurance if you have a pacemaker? We explain how it works.
Weight loss surgery cost
Everything you need to know about weight surgery costs.
How to start a beauty business
From qualifications to getting the right insurance in place, here’s our guide to starting your beautician business.
Health insurance for young adults
Find out how to get cheap health insurance for young people.
How to buy life insurance for your parents
It’s possible to buy life insurance for your parents. We’ll show you how.
How much does IVF cost in Australia?
A single IVF treatment typically costs over $8,000 in Australia. Here’s how Medicare and private health insurance can help.
You might like these...
Ask an Expert