Gold health insurance

Don't pay more than you need to for Gold Health Insurance - compare your options from Aussie funds.

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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.

Name Product Excess Pregnancy + Birth Cataracts IVF Joint replacements Price Per Month Hide CompareBox Apply
HBF Gold Hospital
Medibank Gold Complete
HCF Hospital Gold
Peoplecare Gold Hospital
ahm top hospital gold
Qantas Gold Hospital

Compare up to 4 providers

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:

  • Insulin pumps
  • Joint reconstructions
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device

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

Older Australians

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:

  • Cataracts
  • 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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