Top Hospital
Gold
* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .
Change your cover or compareTop Hospital Gold
It’s right there in the name – this is our gold standard cover, the best of the best.
You’ll be covered for an extensive range of in-hospital services, including psychiatric, pregnancy, heart procedures, and hip or knee joint replacements.
Top Hospital (Gold) covers all hospital accommodation and theatre expenses at any public hospital and all agreement private hospitals.
Your excess options are: $0, $300 or $500.
A helping hand for your health
With Top Hospital cover, you could access support services to help with things like managing health conditions, weight loss or recovering after treatment – at no extra cost*. Find out more about Healthcare Services
Legend
Scope of cover
Important Info
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 |
Services not recognised by Medicare
You won’t be covered for services that aren’t eligible for a Medicare benefit. This includes non-medically required treatments or services provided by and not limited to, dentists, podiatrists and, cosmetic or podiatric surgeons.
*To be eligible for a program you must be a member of Nurses & Midwives Health and have Hospital cover with all relevant waiting periods served. Hospital cover requirements and waiting periods vary for different programs. Additional eligibility criteria may apply.
These programs are brought to members through Healthcare Services, an initiative of Teachers Health, to support members' health and wellbeing through quality, evidence-based health management. Eligible members are connected with a dedicated Healthcare Services care coordinator who supports them along the way.
^A pre-existing condition is an illness, ailment or condition where the signs or symptoms of which, in the opinion of the Fund Medical Advisor or other relevant medical practitioner appointed by Nurses & Midwives Health, existed at any time during the six months before taking out private health insurance or transferring to a higher level of cover. This rule applies to new members to private health insurance and existing members who are upgrading their level of cover. If you are a new member to private health insurance you will have to wait 12 months before you can receive benefits for items or services related to a pre-existing condition. If you change to a higher level of cover, you may have to wait 12 months to receive benefits, including benefits for services not previously covered. A 12 month waiting period applies to all pre-existing conditions except pregnancy & birth related services, which is a 9 month waiting period and psychiatric, palliative care and rehabilitation, which is a two month waiting period.