Top Hospital

Top Hospital

Your Cover





* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .

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Top 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.


Not Covered

Scope of cover

Additional Information
Accommodation – shared and private room (where available)
Theatre fees, intensive care fees
Labour ward fees
Shared room
Private room (where available)
Services for which a Medicare benefit is not payable e.g. cosmetic surgery & laser eye surgery

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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.