Gold Hospital & Comprehensive Extras
A Gold hospital and extras policy from onemedifund.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement onemedifund files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, All states, $250 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $250
- Ambulance
- Emergency and non-emergency, 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$445.513rd 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.
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: $250, paid when you are admitted.
From the insurer: Ambulance Cover Nationwide. No waiting period applies for hospital treatment resulting from an accident.
Pays towards 25 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dental$2,650typical policy $1,000
- Optical$275typical policy $220
- Physiotherapyshared with exercise physiology, orthoptics, occupational therapy$550typical policy $450
- Chiropracticshared with 5 other services$750typical policy $400
- Psychology$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$50.00typical policy $35.20
- Scale and clean (item 114)$80.00typical policy $66.85
- Full crown, veneered (item 615)$850.00typical policy $773.80
- Single vision lenses and frames$275.00typical policy $220.00
- Physiotherapy, first visit$60.00typical policy $42.00
- Psychology, first visit$120.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | No annual limit | - | Periodic oral exam (item 012): $50.00Scale and clean (item 114): $80.00Fluoride treatment (item 121): $30.00Simple extraction (item 322): $200.00 |
| Major dental | 12 months | $2,650 | - | Full crown, veneered (item 615): $850.00 |
| Endodontic (root canals) | 2 months | No annual limit | - | Root canal filling (item 417): $200.00 |
| Orthodontics | 12 months | $2,100, $2,100 lifetime | - | Braces, upper and lower, with retainer (item 881): $2,100.00 |
| Optical | 6 months | $275 | - | Multifocal lenses and frames: $275.00Single vision lenses and frames: $275.00 |
| Non-PBS medicines | 2 months | $500shared with vaccinations | $1,000 | Non-PBS prescription: $65.00 |
| Physiotherapy | 2 months | $550shared with exercise physiology, orthoptics, occupational therapy | $1,100 | Physiotherapy, first visit: $60.00Physiotherapy, later visit: $40.00 |
| Chiropractic | 2 months | $750shared with 5 other services | $1,500 | Chiropractic, first visit: $40.00Chiropractic, later visit: $30.00 |
| Podiatry | 2 months | $750shared with 5 other services | $1,500 | Podiatry, first visit: $40.00Podiatry, later visit: $30.00 |
| Psychology | 2 months | $500 | $650 | Psychology, first visit: $120.00Psychology, later visit: $80.00 |
| Acupuncture | 2 months | $750shared with 5 other services | $1,500 | Acupuncture, first visit: $40.00Acupuncture, later visit: $30.00 |
| Remedial massage | 2 months | $750shared with 5 other services | $1,500 | Remedial massage, first visit: $40.00Remedial massage, later visit: $30.00 |
| Hearing aids | 24 months | $1,500, 1 every 5 years | - | Hearing aid: $1,500.00 |
| Blood glucose monitors | 12 months | $130, 1 every 3 years | - | Blood glucose monitor: $130.00 |
| Antenatal and postnatal | 12 months | $150 | - | Antenatal and postnatal, first visit: 80%Antenatal and postnatal, later visit: 80% |
| Dietetics | 2 months | $750shared with 5 other services | $1,500 | Dietetics, first visit: $40.00Dietetics, later visit: $30.00 |
| Exercise physiology | 2 months | $550shared with physiotherapy, orthoptics, occupational therapy | $1,100 | Exercise physiology, first visit: $60.00Exercise physiology, later visit: $40.00 |
| Orthoptics | 2 months | $550shared with physiotherapy, exercise physiology, occupational therapy | $1,100 | Orthoptics, first visit: $90.00Orthoptics, later visit: $75.00 |
| Health management programs | 6 months | $150 | $300 | Health management program: $150.00 |
| Home nursing | 2 months | $1,000 | - | Home nursing, first visit: $45.00Home nursing, later visit: $45.00 |
| Occupational therapy | 2 months | $550shared with physiotherapy, exercise physiology, orthoptics | $1,100 | Occupational therapy, first visit: $60.00Occupational therapy, later visit: $40.00 |
| Orthotics | 2 months | $250 | $500 | Orthotics: 80% |
| Osteopathy | 2 months | $750shared with 5 other services | $1,500 | Osteopathy, first visit: $40.00Osteopathy, later visit: $30.00 |
| Speech therapy | 2 months | $800 | - | Speech therapy, first visit: 80%Speech therapy, later visit: 80% |
| Vaccinations | 2 months | $500shared with non-pbs medicines | $1,000 | Vaccination: $65.00 |
Not covered: audiology, chinese herbal medicine.
From the insurer: Loyalty bonuses apply to Surgical Equipment/Health Aids, Crowns & Bridges, Dentures & Orthodontics after 5yrs continuous cover on this product. Ambulance Cover Nationwide.
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.