Gold Hospital Advantage with Base Extras
A Gold hospital and extras policy from Health Partners.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Health Partners 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
- $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Health Partners's page for this policyAgainst every other Gold hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Gold33 policies$481.395th cheapest of 33
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.
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $481.39 | $894.96 | $895.57 | $732.33 | $1,138.59 | $851.24 |
| VIC | $513.11 | $953.63 | $954.24 | $779.91 | $1,213.12 | $906.75 |
| QLD | $501.24 | $931.71 | $932.32 | $762.10 | $1,185.26 | $886.00 |
| SA | $425.88 | $792.26 | $792.87 | $649.09 | $1,008.15 | $754.09 |
| WA | $421.90 | $784.89 | $785.50 | $643.11 | $998.79 | $747.11 |
| TAS | $489.32 | $909.65 | $910.26 | $744.25 | $1,157.22 | $865.11 |
| NT | $314.86 | $586.90 | $587.51 | $482.56 | $747.24 | $559.83 |
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: $750, paid when you are admitted.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: Health Partners Support Programs: Hospital, Chemo and Rehab in the Home. Health Coaching support for self-management of chronic disease and complex health issues. Benefits directly related to a hospital admission and when medically necessary include PBS approved prescriptions - 100% benefit & unlimited, Aids for recovery benefit 75% with $100 limit, non-surgically implanted medical devices and human tissue products benefit 75% with $150 limit. T&Cs apply. Plus access to a range of Member Discounts, visit healthpartners.com.au for more information.
Pays towards 8 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$350typical policy $800
- Optical$100typical policy $220
- Physiotherapyshared with chiropractic, exercise physiology, osteopathy$150typical policy $450
- Chiropracticshared with physiotherapy, exercise physiology, osteopathy$150typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)35% of the feetypical policy $35.20
- Scale and clean (item 114)35% of the feetypical policy $66.85
- Single vision lenses and frames40% of the feetypical policy $220.00
- Physiotherapy, first visit$30.00typical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $350 | Periodic oral exam (item 012): 35%Scale and clean (item 114): 35%Fluoride treatment (item 121): 35%Simple extraction (item 322): 35% |
| Opticalconditions apply | 2 months | $100 | Multifocal lenses and frames: 40%Single vision lenses and frames: 40% |
| Non-PBS medicinesconditions apply | 2 months | $100shared with vaccinations | Non-PBS prescription: $0.00 |
| Physiotherapyconditions apply | 2 months | $150shared with chiropractic, exercise physiology, osteopathy | Physiotherapy, first visit: $30.00Physiotherapy, later visit: $25.00 |
| Chiropractic | 2 months | $150shared with physiotherapy, exercise physiology, osteopathy | Chiropractic, first visit: $30.00Chiropractic, later visit: $25.00 |
| Exercise physiology | 2 months | $150shared with physiotherapy, chiropractic, osteopathy | Exercise physiology, first visit: $30.00Exercise physiology, later visit: $25.00 |
| Osteopathy | 2 months | $150shared with physiotherapy, chiropractic, exercise physiology | Osteopathy, first visit: $30.00Osteopathy, later visit: $25.00 |
| Vaccinationsconditions apply | 2 months | $100shared with non-pbs medicines | Vaccination: $0.00 |
Not covered: major dental, endodontic (root canals), orthodontics, podiatry, psychology, acupuncture, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy.
Other services: In South Australia, get more from your cover by using Health Partners Dental and Optical practices - like 100% back on your dental check-up (including x-rays), and 40% benefit on other general dental services. At Health Partners Optical, you get 100% back on your optical limit, and an unlimited 40% benefit after you’ve reached your limit. At our participating physios get 100% back on a physio visit and 40% thereafter, up to your limit. Save 20% every day on full-price, non-prescription products at over 50 pharmacies across South Australia, which include participating Priceline and TerryWhite Chemmart stores. T&Cs apply.
From the insurer: Combined limit for physio, chiro, exercise physiology & osteopathy provides flexibility for you to use your limit on what's important to you. T&Cs apply.
Health Partners and participating providers are in SA only. If you attend a Health Partners Dental or participating dental provider, higher benefits and 100% back on a dental check-up, including x-rays, will apply. General dental benefits are based on the Health Partners schedule of fees. If your provider charges a higher fee, a larger gap payment will apply. At Health Partners Optical get 100% back up to your optical limit and 40% thereafter once you’ve reached your limit. At Health Partners participating physiotherapists higher benefits apply. T&Cs apply.
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.