ADF Total Package Gold
A Gold hospital and extras policy from Defence Health.
- Corporate policy, sold through employers and associations.
- Defence Health only takes current or former members of the ADF and the Defence community and their families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Defence Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $500 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None, $250, $500
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Defence Health's page for this policyAgainst every other Gold hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold84 policies$290.312nd cheapest of 84
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- No excess$337.01
- $250 excess$17.53 less than no excess$319.48
- $500 excess$46.70 less than no excess$290.31
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent | Dependants only |
|---|---|---|---|---|---|---|---|
| NSW & ACT | $337.01 | $674.02 | $674.02 | $513.46 | $842.53 | $616.16 | $337.01 |
| VIC | $329.45 | $658.90 | $658.90 | $502.71 | $823.63 | $603.26 | $329.45 |
| QLD | $350.77 | $701.54 | $701.54 | $534.87 | $876.93 | $641.85 | $350.77 |
| SA | $339.11 | $678.22 | $678.22 | $517.43 | $847.78 | $620.93 | $339.11 |
| WA | $325.42 | $650.84 | $650.84 | $497.31 | $813.55 | $596.76 | $325.42 |
| TAS | $335.92 | $671.84 | $671.84 | $512.81 | $839.81 | $615.38 | $335.92 |
| NT | $201.35 | $402.70 | $402.70 | $309.51 | $503.38 | $371.41 | $201.35 |
$250 excessat most $500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent | Dependants only |
|---|---|---|---|---|---|---|---|
| NSW & ACT | $319.48 | $638.96 | $638.96 | $488.04 | $798.71 | $585.65 | - |
| VIC | $311.50 | $623.00 | $623.00 | $476.68 | $778.75 | $572.02 | - |
| QLD | $331.18 | $662.36 | $662.36 | $506.47 | $827.95 | $607.76 | - |
| SA | $325.90 | $651.80 | $651.80 | $498.28 | $814.76 | $597.94 | - |
| WA | $310.02 | $620.04 | $620.04 | $474.98 | $775.05 | $569.97 | - |
| TAS | $315.07 | $630.14 | $630.14 | $482.57 | $787.68 | $579.10 | - |
| NT | $168.42 | $336.84 | $336.84 | $261.76 | $421.06 | $314.11 | - |
$500 excessat most $1,000 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent | Dependants only |
|---|---|---|---|---|---|---|---|
| NSW & ACT | $290.31 | $580.62 | $580.62 | $445.75 | $725.78 | $534.90 | - |
| VIC | $287.78 | $575.56 | $575.56 | $442.29 | $719.45 | $530.75 | - |
| QLD | $304.66 | $609.32 | $609.32 | $468.01 | $761.65 | $561.61 | - |
| SA | $298.19 | $596.38 | $596.38 | $458.10 | $745.48 | $549.73 | - |
| WA | $294.63 | $589.26 | $589.26 | $452.66 | $736.58 | $543.19 | - |
| TAS | $290.89 | $581.78 | $581.78 | $447.51 | $727.23 | $537.02 | - |
| NT | $162.46 | $324.92 | $324.92 | $253.12 | $406.16 | $303.74 | - |
All 38 clinical categories covered in full
- Covered in full38
Covered 38
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: none, $250, $500, paid when you are admitted. No excess for dependants.
From the insurer: Includes home nursing, midwifery and a range of health programs. Access Gap available to reduce or eliminate out of pocket medical costs where the treating doctor, specialist, surgeon, anaesthestist, pathologist or radiologist agrees to use it. Go to defencehealth.com.au or call 1800 335 425 for details.
Pays towards 25 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$950typical policy $1,000
- Optical$255typical policy $220
- Physiotherapy$850typical policy $450
- Chiropracticshared with osteopathy$750typical policy $400
- Psychologyshared with 8 other services$1,000typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$37.60typical policy $35.20
- Scale and clean (item 114)$71.40typical policy $66.85
- Full crown, veneered (item 615)$801.60typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$59.00typical policy $42.00
- Psychology, first visit$102.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | No annual limit | Periodic oral exam (item 012): $37.60Scale and clean (item 114): $71.40Fluoride treatment (item 121): $21.20 |
| Major dental | 12 months | $950shared with endodontic (root canals) | Surgical extraction (item 322): $124.70Full crown, veneered (item 615): $801.60 |
| Endodontic (root canals) | 12 months | $950shared with major dental | Root canal filling (item 417): $117.40 |
| Orthodontics | 12 months | $800 | Braces, upper and lower, with retainer (item 881): $800.00 |
| Optical | 2 months | $255 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $400shared with vaccinations | Non-PBS prescription: $80.00 |
| Physiotherapy | 2 months | $850 | Physiotherapy, first visit: $59.00Physiotherapy, later visit: $41.00 |
| Chiropractic | 2 months | $750shared with osteopathy | Chiropractic, first visit: $47.00Chiropractic, later visit: $33.00 |
| Podiatry | 2 months | $1,000shared with 8 other services | Podiatry, first visit: $47.00Podiatry, later visit: $33.00 |
| Psychology | 2 months | $1,000shared with 8 other services | Psychology, first visit: $102.00Psychology, later visit: $77.00 |
| Acupuncture | 2 months | $300shared with remedial massage, health management programs | Acupuncture, first visit: $31.00Acupuncture, later visit: $27.00 |
| Remedial massage | 2 months | $300shared with acupuncture, health management programs | Remedial massage, first visit: $31.00Remedial massage, later visit: $27.00 |
| Hearing aids | 12 months | $1,000shared with blood glucose monitors, orthotics | Hearing aid: $1,000.00 |
| Blood glucose monitors | 12 months | $1,000shared with hearing aids, orthotics | Blood glucose monitor: $400.00 |
| Audiology | 2 months | $1,000shared with 8 other services | Audiology, first visit: $72.00Audiology, later visit: $52.00 |
| Antenatal and postnatal | 2 months | $1,000shared with 8 other services | Antenatal and postnatal, first visit: $40.00Antenatal and postnatal, later visit: $40.00 |
| Dietetics | 2 months | $1,000shared with 8 other services | Dietetics, first visit: $59.00Dietetics, later visit: $33.00 |
| Exercise physiology | 2 months | $1,000shared with 8 other services | Exercise physiology, first visit: $30.00Exercise physiology, later visit: $24.00 |
| Orthoptics | 2 months | $1,000shared with 8 other services | Orthoptics, first visit: $65.00Orthoptics, later visit: $45.00 |
| Health management programs | 2 months | $300shared with acupuncture, remedial massage | Health management program: $120.00 |
| Occupational therapy | 2 months | $1,000shared with 8 other services | Occupational therapy, first visit: $85.00Occupational therapy, later visit: $45.00 |
| Orthotics | 12 months | $1,000shared with hearing aids, blood glucose monitors | Orthotics: $300.00 |
| Osteopathy | 2 months | $750shared with chiropractic | Osteopathy, first visit: $47.00Osteopathy, later visit: $33.00 |
| Speech therapy | 2 months | $1,000shared with 8 other services | Speech therapy, first visit: $107.00Speech therapy, later visit: $52.00 |
| Vaccinations | 2 months | $400shared with non-pbs medicines | Vaccination: $80.00 |
Not covered: chinese herbal medicine, home nursing.
Preventative dental is not counted against the dental limit.
Other services: Health and Wellbeing annual limit $300 includes: Acupuncture, Remedial Massage, Myotherapy - initial consultation: $31.00, subsequent consultation: $27.00, Group Physiotherapy - $20.00 per session, Group Exercise Physiology $14.00 per session and Health Management. Also includes cover for Laser Refractive Eye Surgery - annual limit: $1,000 every two financial years; School Accident - annual limit: $600. Health appliances limit also includes: Orthopaedic Shoes – sub-limit: $300; Nebuliser – sub-limit: $300 every three financial years; Spacer – sub-limit: $300. Accredited Counsellors and Mental Health Social Workers are included as approved providers under Psychology, refer to Product Guides for further information.
From the insurer: No lifetime limit on orthodontics. All benefits are per person. Benefits reset on 1 July each year. Details and claim conditions are in product guides available at defencehealth.com.au
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.