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Gold health insurance

Gold hospital insurance is the most comprehensive hospital cover that money can buy. It's available from around $61 a week*.

Who is this cover for?

What you need to know

  • Gold-tier hospital policies are the most comprehensive hospital insurance policies available in Australia.
  • The cheapest gold hospital policies start from around $55 a week.
  • Gold hospital insurance covers hospital treatments including childbirth, cataracts and joint replacements.

*Prices are based on a single person living in Sydney earning less than $93,000 per year.

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.

1 - 16 of 16
Name Product Treatments Price Apply
Gold Top Hospital Excess $750/$1500
Gold$750 excess
Health Insurance Fund of Australia Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$241.03
per month
Go to Site
All treatments
Medibank Gold Protect
Gold$750 excess
Medibank Private Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$242.50
per month
Go to Site
All treatments
HCF logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$245.63
per month
Go to Site
All treatments
Frank Gold Hospital
Gold$750 excess
Frank Health Insurance logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$247.02
per month
Go to Site
All treatments
GMHBA Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$249.55
per month
Go to Site
All treatments
Gold Top Hospital Excess $500/$1000
Gold$500 excess
Health Insurance Fund of Australia Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$250.45
per month
Go to Site
All treatments
Medibank Gold Protect
Gold$500 excess
Medibank Private Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$260.74
per month
Go to Site
All treatments
HCF logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$265.19
per month
Go to Site
All treatments
Qantas Insurance logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$265.23
per month
Go to Site
All treatments
nib logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$266.15
per month
Go to Site
All treatments
HBF logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$272.77
per month
Go to Site
All treatments
advanced hospital gold
Gold$750 excess
ahm logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$273.97
per month
Go to Site
All treatments
HCF logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$288.15
per month
Go to Site
All treatments
Medibank Gold Protect
Gold$250 excess
Medibank Private Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$289.02
per month
Go to Site
All treatments
HBF logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$291.05
per month
Go to Site
All treatments
advanced hospital gold
Gold$500 excess
ahm logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$300.10
per month
Go to Site
All treatments
loading

All prices are based on a single individual with less than $93,000 income and living in Sydney.

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

Finder survey: How many Australians of different ages think hospital insurance is worth it?

Response75+ yrs65-74 yrs55-64 yrs45-54 yrs35-44 yrs25-34 yrs18-24 yrs
Yes36.36%29.07%34.16%28.99%34.05%41.58%45.88%
No31.82%36.05%30.43%32.54%20%23.68%10.59%
Somewhat31.82%34.88%35.4%38.46%45.95%34.74%43.53%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

Best Health Insurance - Gold Hospital

Best Health Insurance - Gold Hospital
St Lukes health insurance

St.Lukes Health - Gold Hospital

St. Lukes Health Gold hospital policy is the 2024 gold hospital winner. It covers all 38 hospital treatments for less than almost every other health insurance policy on the market.

Finalist Health Insurance - Gold Hospital Highly commended

Health Partners health insurance

Health Partners - Gold Hospital Complete

Health Partners Gold hospital policy is the 2024 runner up in our gold category. It covers all 38 hospital treatments for less than almost every other health insurance policy on the market.

HBF health insurance

HBF - Gold Hospital Elevate

HBF's Gold hospital Elevate is another highly commended brand in the 2024 gold hospital category. It covers all 38 hospital treatments and comes with several unique perks across the board.

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 hospital cover icon

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.

Average premium: $241.98 a month for a single policy.*
Lowest premium: $172.80 a month for a single policy.*
Silver hospital cover icon

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.

Average cost: $152.80 a month for a single policy.*
Lowest premium: $102.50 a month for a single policy.*
Bronze hospital cover icon

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.
Average cost: $100.31 a month for a single policy.*
Lowest premium: $88.70 a month for a single policy.*
Basic hospital cover icon

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.

Average cost: $85.91 a month for a single policy.*
Lowest premium: $77 a month for a single policy.*

*Average prices updated June 2024, in line with Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income and living in Sydney with a $750 excess.

How much is gold cover in each state?

The cost of gold-tier hospital insurance varies by state, because the cost of care is different across Australia. The table below lays out the average and minimum monthly premiums in the Finder health insurance database.

Average monthly premiumLowest monthly premium
NSW$219.35$162.44
QLD$234.21$176.69
VIC$243.24$173.09
TAS$211.86$166.62
SA$201.28$158.00
NT$137.48$86.62
WA$189.28$138.56

*Average prices are updated March 2024, in line with Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income with a $750 excess.

Who might need gold cover?

family icon

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

Why you can trust Finder's health insurance experts

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Gold hospital cover: Frequently asked questions

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