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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.

Data indicated here is updated regularly
Name Product Excess Pregnancy + Birth Cataracts IVF Joint replacements Price Per Month Hide CompareBox
Medibank Gold Complete
HCF Hospital Gold
Peoplecare Gold Hospital
ahm top hospital gold
Qantas Gold Hospital
AAMI Gold Hospital
Suncorp Gold Hospital

Compare up to 4 providers

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:

  • 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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