Nmsn Top Gold Hospital & Extended Health Benefits
A Gold hospital and extras policy from GU Health.
- Corporate policy, sold through employers and associations.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement GU Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Family, NSW & ACT, no excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None
- Ambulance
- Emergency only, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
GU Health's page for this policyAgainst every other Gold hospital and extras policy in NSW & ACT
Family cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold82 policies$698.3312th cheapest of 82
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.
Family premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
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
- None
Excess and other costs
No excess on any version of this policy.
From the insurer: Top Gold Hospital covers you at the hospital of your choice, as well as providing benefits on Midwifery and Special Nursing. Home support services and programs: This program allows you to leave hospital early and continue to receive expert in-home care, so you can recover in the comfort of your own home.
Pays towards 25 of 27 standard services
Yearly limits, per person, against the typical policy
- Major dentalshared with endodontic (root canals), orthodontics$800typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with 4 other services$600typical policy $450
- Chiropracticshared with 7 other services$500typical policy $400
- Psychologyshared with 7 other services$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)80% of the feetypical policy $35.20
- Scale and clean (item 114)80% of the feetypical policy $66.85
- Full crown, veneered (item 615)80% of the feetypical policy $773.80
- Single vision lenses and frames80% of the feetypical policy $220.00
- Physiotherapy, first visit80% of the feetypical policy $42.00
- Psychology, first visit80% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | None | - | Periodic oral exam (item 012): 80%Scale and clean (item 114): 80%Fluoride treatment (item 121): 80%Simple extraction (item 322): 80% |
| Major dental | 12 months | $800shared with endodontic (root canals), orthodontics | Full crown, veneered (item 615): 80% |
| Endodontic (root canals) | 12 months | $800shared with major dental, orthodontics | Root canal filling (item 417): 80% |
| Orthodontics | 12 months | $800shared with major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 80% |
| Opticalconditions apply | None | $200 | Multifocal lenses and frames: 80%Single vision lenses and frames: 80% |
| Non-PBS medicinesconditions apply | None | $500 | Non-PBS prescription: 100% |
| Physiotherapy | None | $600shared with 4 other services | Physiotherapy, first visit: 80%Physiotherapy, later visit: 80% |
| Chiropractic | None | $500shared with 7 other services | Chiropractic, first visit: 80%Chiropractic, later visit: 80% |
| Podiatry | None | $300 | Podiatry, first visit: 80%Podiatry, later visit: 80% |
| Psychology | None | $500shared with 7 other services | Psychology, first visit: 80%Psychology, later visit: 80% |
| Acupuncture | None | $500shared with 7 other services | Acupuncture, first visit: 80%Acupuncture, later visit: 80% |
| Remedial massage | None | $500shared with 7 other services | Remedial massage, first visit: 80%Remedial massage, later visit: 80% |
| Hearing aidsconditions apply | 12 months | $500, 1 every 5 years | Hearing aid: 80% |
| Blood glucose monitors | 12 months | $500shared with orthotics | Blood glucose monitor: 80% |
| Audiology | None | $200 | Audiology, first visit: 80%Audiology, later visit: 80% |
| Antenatal and postnatal | None | $600shared with 4 other services | Antenatal and postnatal, first visit: 80%Antenatal and postnatal, later visit: 80% |
| Chinese herbal medicine | None | $500shared with 7 other services | Chinese herbal medicine, first visit: 80%Chinese herbal medicine, later visit: 80% |
| Dietetics | None | $500shared with 7 other services | Dietetics, first visit: 80%Dietetics, later visit: 80% |
| Exercise physiology | None | $500shared with 7 other services | Exercise physiology, first visit: 80%Exercise physiology, later visit: 80% |
| Orthoptics | None | $600shared with 4 other services | Orthoptics, first visit: 80%Orthoptics, later visit: 80% |
| Health management programsconditions apply | 6 months | No annual limit | Health management program: 80% |
| Occupational therapy | None | $600shared with 4 other services | Occupational therapy, first visit: 80%Occupational therapy, later visit: 80% |
| Orthotics | 12 months | $500shared with blood glucose monitors | Orthotics: 80% |
| Osteopathy | None | $500shared with 7 other services | Osteopathy, first visit: 80%Osteopathy, later visit: 80% |
| Speech therapy | None | $600shared with 4 other services | Speech therapy, first visit: 80%Speech therapy, later visit: 80% |
Not covered: home nursing, vaccinations.
From the insurer: Travel and accommodation: Covers a patient and attendant for essential medical travel, to the nearest hospital or medical centre for round trips exceeding 200 kms
Pharmaceuticals: Benefit paid after current PBS patient contribution deducted. Contact GU Health about benefits available for approved health management services such as stress management and quit smoking courses under this cover.
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.
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.