Medibank Gold Ultra Health Cover
A Gold hospital and extras policy from Medibank.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Medibank files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, no excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None
- 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.
Against 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$682.8032nd 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.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $682.80 | $1,365.60 | $1,365.60 | $1,260.20 | $1,778.20 | $1,365.60 |
| VIC | $761.75 | $1,523.50 | $1,523.50 | $1,399.40 | $1,937.90 | $1,523.50 |
| QLD | $708.30 | $1,416.60 | $1,416.60 | $1,294.10 | $1,840.10 | $1,416.60 |
| SA | $672.30 | $1,344.60 | $1,344.60 | $1,240.00 | $1,747.40 | $1,344.60 |
| WA | $638.10 | $1,276.20 | $1,276.20 | $1,193.30 | $1,665.60 | $1,276.20 |
| TAS | $629.90 | $1,259.80 | $1,259.80 | $1,150.60 | $1,631.70 | $1,259.80 |
| NT | $485.55 | $971.10 | $971.10 | $937.60 | $1,275.70 | $971.10 |
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
No excess on any version of this policy.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: Medibank's most comprehensive cover. Gap bonus to use towards out-of-pocket costs in hospital. Private Room Priority for pre-booked admissions at a Members' Choice hospital. Where a two month waiting period applies to a service on your hospital cover, it may be waived for claims resulting from an Accident that occurred during this time, please contact Medibank for further information.
Pays towards 23 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$1,600typical policy $1,000
- Optical$300typical policy $220
- Physiotherapy$1,000typical policy $450
- Chiropracticshared with osteopathy$750typical policy $400
- Psychology$600typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$42.90typical policy $35.20
- Scale and clean (item 114)$77.70typical policy $66.85
- Full crown, veneered (item 615)$1,204.20typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$68.40typical policy $42.00
- Psychology, first visit$160.77typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (NSW & ACT) |
|---|---|---|---|
| General dentalconditions apply | 2 months | No annual limit | Periodic oral exam (item 012): $42.90Scale and clean (item 114): $77.70Fluoride treatment (item 121): $25.90Simple extraction (item 322): $187.60 |
| Major dental | 12 months | $1,600shared with endodontic (root canals) | Full crown, veneered (item 615): $1,204.20 |
| Endodontic (root canals) | 12 months | $1,600shared with major dental | Root canal filling (item 417): $191.90 |
| Orthodonticsconditions apply | 12 months | $1,500, $3,500 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 6 months | $300 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $800 | Non-PBS prescription: $51.00 |
| Physiotherapy | 2 months | $1,000 | Physiotherapy, first visit: $68.40Physiotherapy, later visit: $57.10 |
| Chiropractic | 2 months | $750shared with osteopathy | Chiropractic, first visit: $74.90Chiropractic, later visit: $51.50 |
| Podiatry | 2 months | $600shared with orthotics | Podiatry, first visit: $59.90Podiatry, later visit: $48.30 |
| Psychology | None | $600 | Psychology, first visit: $160.77Psychology, later visit: $139.80 |
| Acupuncture | 2 months | $500shared with remedial massage, chinese herbal medicine, exercise physiology | Acupuncture, first visit: $46.40Acupuncture, later visit: $33.90 |
| Remedial massage | 2 months | $500shared with acupuncture, chinese herbal medicine, exercise physiology | Remedial massage, first visit: $68.80Remedial massage, later visit: $46.40 |
| Hearing aids | 36 months | $1,600, 1 every 5 years | Hearing aid: 100% |
| Blood glucose monitors | 24 months | $300, 1 every 3 years | Blood glucose monitor: 100% |
| Chinese herbal medicine | 2 months | $500shared with acupuncture, remedial massage, exercise physiology | Chinese herbal medicine, first visit: $32.50Chinese herbal medicine, later visit: $32.50 |
| Dietetics | 2 months | $600 | Dietetics, first visit: $81.60Dietetics, later visit: $45.00 |
| Exercise physiology | 2 months | $500shared with acupuncture, remedial massage, chinese herbal medicine | Exercise physiology, first visit: $32.50Exercise physiology, later visit: $32.50 |
| Orthoptics | 2 months | $600 | Orthoptics, first visit: $60.00Orthoptics, later visit: $50.00 |
| Home nursingconditions apply | 2 months | $500 | Home nursing, first visit: 100%Home nursing, later visit: 100% |
| Occupational therapy | 2 months | $600 | Occupational therapy, first visit: $92.90Occupational therapy, later visit: $55.10 |
| Orthotics | 2 months | $600shared with podiatry | Orthotics: 100% |
| Osteopathy | 2 months | $750shared with chiropractic | Osteopathy, first visit: $74.90Osteopathy, later visit: $51.50 |
| Speech therapy | 2 months | $600 | Speech therapy, first visit: $117.00Speech therapy, later visit: $54.30 |
Not covered: audiology, antenatal and postnatal, health management programs, vaccinations.
Other services: - Health appliance and external prostheses, (contact Medibank for further information) $600 per annum, 2 mth waiting period, fixed amount back per item up to annual limit. - Laser Eye Surgery (where no Medicare benefit is payable) $3,500 per lifetime limit, 36 mth waiting period, 100% back up to lifetime imit. - Blood pressure monitor (24 mth waiting period) and Breathing appliances (12 mth waiting period) included with Blood glucose monitors. - Health subscriptions (refer to Medibank for approved organisations) $100 per annum, 2 mth waiting period, 100% per subscription up to annual limit. - Health screening tests (where no Medicare benefit is payable) $200 per annum, 2 mth waiting period, 100% per test up to annual limit. Refer to Medibank for approved screening tests. - Private hospital accident and emergency facility fees, $250 per annum, 2 mth waiting period, 100% back up to annual limit. - Teeth whitening (must be provided by recognised dentist), $250 per annum, 2 mth waiting period, fixed amount payable. - Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information.
From the insurer: Comprehensive hospital and extras cover in one convenient package. Widest range of extras services including laser eye surgery, teeth whitening and much more. Our highest annual limits. Easy online and electronic claiming.
A 12 month waiting period applies to surgical tooth extraction. Orthodontics has a $1500 opening balance then a top up of $500 per year up to a $3500 lifetime limit. Home nursing not available in NT or TAS.
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.