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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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.

Pros and cons of Gold health insurance

Pros

  • Comprehensive cover for treatment in a private hospital.
  • The only tier to include coverage for pregnancy and childbirth.
  • Covers rehabilitation, hospital psychiatric services and palliative care.

Cons

  • Gold cover is expensive, often costing well in excess of $160 per month.
  • If you don't need cover for a service like pregnancy, a Gold policy will still charge and cover you for it. Gold cover is often more coverage than people need.
  • Doesn't cover outpatient services without additional extras cover.

Compare more Gold health insurance policies

The following table shows insurers from Finder partners that offer Gold health insurance policies.

Name Product Excess Pregnancy + Birth Cataracts IVF Joint replacements Price Per Month Hide CompareBox Apply
HBF Gold Hospital
$750
$159.30
Medibank Gold Complete
$750
$169.55
HCF Hospital Gold
$750
$176.40
Qantas Gold Hospital
$750
$186.15
ahm top hospital gold
$750
$189.10
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What are the hospital health insurance tiers?

Each of the different health insurance tiers has to cover a standardised set of treatments. Here's a quick summary of each tier.

Gold health cover

Gold hospital cover

Gold-tier hospital insurance covers all 38 treatments outlined by the Australian government. This includes treatments like joint replacements, pregnancy and insulin pumps, as well as all services covered by Silver-tier policies.
Typical cost: From around $160/month for a single policy.

Silver health cover

Silver hospital cover

Silver-tier hospital insurance covers at least 26 treatments outlined by the Australian government. This includes treatments like dental surgery, lung and chest, and podiatric surgery, as well as all services covered by Bronze-tier policies.
Typical cost: From around $115/month for a single policy.

Bronze health cover

Bronze hospital cover

Bronze-tier hospital insurance covers at least 18 treatments outlined by the Australian government. This includes treatments like joint reconstructions, gynaecology, and ear, nose and throat, as well as all services covered by Basic-tier policies.
Typical cost: From around $80/month for a single policy.

Basic health cover

Basic hospital cover

Basic-tier hospital insurance isn't required to fully cover any treatments outlined by the Australian government, but it does need to have restricted cover for rehabilitation, hospital psychiatric services and palliative care. Generally, Basic cover is primarily used to avoid the Medicare Levy Surcharge and Lifetime Health Cover loading.
Typical cost: From around $75/month for a single policy.

If a policy is described as a 'plus' policy, then it will cover the minimum number of treatments for its tier, plus at least 1 treatment from the next tier up. For a full list of the treatments covered by Gold policies, click the link below.

Who might need Gold cover?

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People starting a family

If you're starting a family and want to have access to a private room during childbirth, you're going to want a Gold hospital policy. Benefits only available on Gold policies include:

Old man

Older Australians

Getting older means you're more susceptible to certain conditions – Gold coverage includes a range of treatments that are especially useful to older Australians. A few examples that are helpful for seniors include:

  • Cataracts
  • Joint replacements

surgeon icon

People with complex needs

There are many other treatments only covered under Gold-tier health insurance policies which may be essential for some people. Here are a few Gold treatments that could apply to you:

  • Dialysis for chronic kidney failure
  • Weight loss surgery
  • Insulin pumps
  • Pain management with device
  • Sleep studies

Compare Gold health cover from 30+ providers

You can use this free tool to compare health insurance policies from 30+ Australian providers. Once you have your initial results, use the filters to see just Gold policies.

Gold hospital cover: Frequently asked questions

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