Top Hospital

Top Hospital
Gold

Your Cover

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* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in . Please note that our prices will increase from 1 April

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Top Hospital Gold

Top-of-the-class care

It’s right there in the name – this level of cover is our top pick for good reason. It’s our most comprehensive Hospital product, so you’ll be covered for a range of services including pregnancy, heart procedures and hip or knee joint replacements.

Cover includes all hospital accommodation and theatre expenses at any public hospital and all private hospitals which hold an agreement with Nurses & Midwives Health. For more information on Agreement Private Hospitals click here.

Legend

Covered
Not Covered
Restricted

Scope of cover

Additional Information
Accommodation – shared and private room (where available)
Current
Theatre fees, intensive care fees
Current
Labour ward fees
Current
Shared room
Current
Private room (where available)
Current

Waiting Periods

Like all health funds, waiting periods may apply when you take out your cover.

You may have to wait if:

  • You’re new to private health insurance
  • You upgrade your cover to include things that weren’t covered before
  • You switch health funds and increase your cover to include things that weren’t covered before.

If you’ve cancelled your membership with another health fund, you’ll need to join us within 60 days to keep up your continuity of cover and not re-serve any applicable waiting periods.

 

Hospital Waiting Periods

Pre-existing conditions* 12 months
Pregnancy & birth related services 9 months
Psychiatric, rehabilitation and palliative care 2 months
All other hospital services 2 months
Emergency ambulance transport 1 day
Non-emergency ambulance transport 1 day