Top Cover Gold
A Gold hospital policy from Doctors' Health Fund.
- Doctors' Health Fund only takes medical and allied health professionals, their families, medical students and AMA employees.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Doctors' Health Fund files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None, $750
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Doctors' Health Fund's page for this policyAgainst every other Gold hospital policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold90 policies$374.5266th cheapest of 90
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$414.60
- $750 excess$40.08 less than no excess$374.52
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $414.60 | $829.20 | $829.20 | $715.25 | $1,036.49 | $894.06 |
| VIC | $449.05 | $898.09 | $898.09 | $774.68 | $1,122.62 | $968.34 |
| QLD | $453.89 | $907.77 | $907.77 | $783.03 | $1,134.72 | $978.78 |
| SA | $446.62 | $893.25 | $893.25 | $770.50 | $1,116.56 | $963.12 |
| WA | $397.09 | $794.19 | $794.19 | $685.04 | $992.73 | $856.30 |
| TAS | $456.12 | $912.23 | $912.23 | $786.87 | $1,140.29 | $983.59 |
| NT | $379.44 | $758.87 | $758.87 | $654.58 | $948.59 | $818.22 |
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $374.52 | $749.05 | $749.05 | $655.16 | $936.31 | $818.95 |
| VIC | $409.14 | $818.27 | $818.27 | $715.70 | $1,022.84 | $894.63 |
| QLD | $414.00 | $828.00 | $828.00 | $724.21 | $1,035.00 | $905.26 |
| SA | $407.62 | $815.24 | $815.24 | $713.04 | $1,019.04 | $891.31 |
| WA | $356.95 | $713.90 | $713.90 | $624.41 | $892.38 | $780.52 |
| TAS | $416.24 | $832.48 | $832.48 | $728.13 | $1,040.60 | $910.17 |
| NT | $339.47 | $678.94 | $678.94 | $593.84 | $848.68 | $742.30 |
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, $750, paid when you are admitted.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: Top Cover Gold is a unique hospital cover that pays a medical gap benefit up to the Australian Medical Associations (AMA) list of medical services and fees. It does not require participation from your doctors and out-of-pocket expenses only occur when the doctor charges above AMA fee. This cover offers the highest level of hospital cover for the full range of inpatient services eligible for Medicare benefits.
Compare
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.