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Find the best Gold health insurance policy

We review Gold hospital insurance policies to find you the best.

gold tier hospital insurance
Last updated: 11 August 2021


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Our insurance experts have reviewed Gold hospital insurance policies from 36 health funds to find the best: compare health insurance with us now.

Need to know a bit more about Gold health insurance first? We explain what's covered, what you can expect to pay and the cover you might want to consider instead.

What's Gold health insurance?

Gold health insurance is the highest level of private hospital cover available in Australia. Consider a gold policy if you need cover for things such as pregnancy and birth, cataract eye surgery and hip or knee replacement.

If you want health insurance that gives peace of mind for a hospital visit, a Gold policy is for you. But if you want cheaper health insurance, try Silver, Bronze or Basic policies.

What's covered by Gold hospital insurance?

  • Pregnancy and birth, including fertility treatments such as IVF
  • Joint replacements and reconstructions
  • Cataracts
  • Rehabilitation
  • Hospital psychiatry
  • Palliative care
  • Gastric banding and obesity surgery
  • Diabetes management including insulin pumps
  • Sleep studies
  • Dialysis
  • Pain management with or without a device (for example, a surgically implanted device to manage pain caused by heart disease)
  • Heart and vascular surgery
  • All cancer surgeries, chemotherapy and radiation
  • Lung and chest surgeries
  • Medically necessary plastic and reconstructive surgery
  • Bone marrow transplants and other blood-related treatments
  • Investigation and treatment for back, neck and spine problems such as for sciatica and scoliosis
  • Dental surgery including wisdom teeth removal and dental implants in hospital
  • Implantation of hearing devices
  • Accommodation in hospital for podiatric surgery
  • Skin-related procedures including treatments for lesions and abscesses, and allergy skin-prick testing
  • Broken bones and other bone, joint and muscle treatments
  • Endoscopy and colonoscopy plus other digestive system procedures including removal of gallstones or haemorrhoids
  • Gynaecology, miscarriage and termination of pregnancy, sterilisation (male and female)
  • Ear, nose and throat surgery including tonsils, adenoids, grommets
  • Hernia and appendix surgery
  • Brain and nervous system treatments including for stroke, epilepsy and Parkinson's disease

How much is Gold health insurance?

Gold health cover ranges in price from $196 to $622 a month for a family policy with excess. The cost varies depending on which state you live in, how much you earn, your level of excess and when you first bought health insurance.

What's an excess?

  • An excess is an amount you pay as a contribution when you go to hospital
  • The higher the excess, the lower the premium
  • Consider an excess if you're healthy and don't plan to go to hospital soon
  • You're better off without an excess if you think you'll go to hospital soon

Should you consider Silver Plus health insurance instead?

A Silver Plus policy is the next level down from Gold-tier cover, but it might have what you need and cost less. Silver Plus policies cover the 26 Silver-level services in private hospital, plus one or more of the services from the Gold level.

For example, if you want cover for a specific treatment such as pregnancy, you may be able to buy a Silver Plus policy that includes the cover you need and ischeaper than a Gold policy that has all the bells and whistles. 

What's covered by Silver Plus?

Everything covered by Silver policies, plus at least one of the following:

  • Pregnancy and birth including fertility treatments such as IVF 
  • Joint replacements
  • Cataracts
  • Rehabilitation in a private hospital
  • Hospital psychiatry in a private hospital
  • Palliative care in a private hospital
  • Gastric banding and obesity surgery
  • Insulin pumps
  • Sleep studies
  • Dialysis
  • Pain management with a device (for example, a surgically implanted device to manage pain caused by heart disease)

CHOICE health insurance reviews

Our health insurance reviews are for members. We've got lots of helpful free content in our Health insurance section, but joining CHOICE gets you access to all our recommendations and could save you money.

Some people will save over 30 times the cost of a quarterly CHOICE membership by finding a cheaper policy with our health insurance recommendations.