Gold Combined
A Gold hospital and extras policy from Police Health.
- Police Health only takes members of Australia’s police community, and their families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Police Health 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 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.
Police Health's page for this policyAgainst every other Gold hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold84 policies$430.0438th cheapest of 84
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 | $430.04 | $860.08 | $860.08 | $792.90 | $1,054.22 | $987.04 |
| VIC | $444.39 | $888.78 | $888.78 | $820.73 | $1,105.97 | $1,037.92 |
| QLD | $450.26 | $900.52 | $900.52 | $827.03 | $1,063.79 | $990.31 |
| SA | $415.25 | $830.51 | $830.51 | $758.55 | $1,018.13 | $946.17 |
| WA | $393.08 | $786.16 | $786.16 | $735.72 | $930.74 | $880.30 |
| TAS | $433.08 | $866.16 | $866.16 | $798.33 | $1,038.79 | $970.96 |
| NT | $262.85 | $525.70 | $525.70 | $499.83 | $672.02 | $646.14 |
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.
From the insurer: This policy supports greater choice in hospital and service provider – covering a large number of contracted hospitals, and also meeting reasonable fees charged by non-contracted hospitals. Benefits for a number of treatments that fall outside the mandated clinical categories are included, such as; Travel and Accommodation, Hospital at Home, Home Nursing, Aids & Appliances (such as CPAP Machines), Nourish baby, lactation consultants and antenatal education. Eligible members can also gain access to chronic disease management programs including; Type 2 Diabetes, Cancer Support, Osteoarthritis and Coronary Heart Disease.
Pays towards 23 of 27 standard services
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$56.60typical policy $35.20
- Scale and clean (item 114)$113.10typical policy $66.85
- Full crown, veneered (item 615)$1,781.80typical policy $773.80
- Single vision lenses and frames$289.40typical policy $220.00
- Physiotherapy, first visit$128.00typical policy $42.00
- Psychology, first visit$237.30typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (NSW & ACT) |
|---|---|---|---|
| General dental | 2 months | No annual limit (Some service limits apply) | Periodic oral exam (item 012): $56.60Scale and clean (item 114): $113.10Fluoride treatment (item 121): $34.50Simple extraction (item 322): $266.80 |
| Major dentalconditions apply | 12 months | $1,500 per person (Rollover benefit applies) | Full crown, veneered (item 615): $1,781.80 |
| Endodontic (root canals)conditions apply | 2 months | No annual limit | Root canal filling (item 417): $248.40 |
| Orthodontics | 12 months | $1,500, $3,000 lifetime | Braces, upper and lower, with retainer (item 881): 80% |
| Opticalconditions apply | 2 months | $350 per person (Rollover benefit applies) | Multifocal lenses and frames: $404.40Single vision lenses and frames: $289.40 |
| Non-PBS medicinesconditions apply | 2 months | $600 per person (Rollover benefit applies) (combined limit for non pbs pharmaceuticals & vaccinations)shared with vaccinations | Non-PBS prescription: $60.00 |
| Physiotherapyconditions apply | 2 months | $850 per person (Rollover benefit applies) (combined limit physiotherapy & exercise physiology)shared with exercise physiology | Physiotherapy, first visit: $128.00Physiotherapy, later visit: $106.80 |
| Chiropracticconditions apply | 2 months | $700 per person (Rollover benefit applies) (combined limit chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services)shared with 4 other services | Chiropractic, first visit: $88.70Chiropractic, later visit: $57.00 |
| Podiatryconditions apply | 2 months | $700 per person (Rollover benefit applies) (combined limit podiatry & orthotics (podiatric orthoses))shared with orthotics | Podiatry, first visit: $75.00Podiatry, later visit: $62.50 |
| Psychologyconditions apply | 2 months | $850 per person (Rollover benefit applies) (combined limit psychology & other services) | Psychology, first visit: $237.30Psychology, later visit: $237.30 |
| Acupunctureconditions apply | 2 months | $700 per person (Rollover benefit applies) (combined limit chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services)shared with 4 other services | Acupuncture, first visit: $87.40Acupuncture, later visit: $74.50 |
| Remedial massageconditions apply | 2 months | $700 per person (Rollover benefit applies) (combined limit chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services)shared with 4 other services | Remedial massage, first visit: $30.00Remedial massage, later visit: $30.00 |
| Hearing aids | 12 months | $1,200, 1 every 5 years | Hearing aid: 80% |
| Blood glucose monitors | 12 months | $250, 1 every 3 years | Blood glucose monitor: 80% |
| Chinese herbal medicineconditions apply | 2 months | $700 per person (Rollover benefit applies) (combined limit chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services)shared with 4 other services | Chinese herbal medicine, first visit: $30.00Chinese herbal medicine, later visit: $30.00 |
| Dieteticsconditions apply | 2 months | $600 per person (Rollover benefit applies) | Dietetics, first visit: $171.20Dietetics, later visit: $92.80 |
| Exercise physiologyconditions apply | 2 months | $850 per person (Rollover benefit applies) (combined limit physiotherapy & exercise physiology)shared with physiotherapy | Exercise physiology, first visit: $89.20Exercise physiology, later visit: $67.10 |
| Orthopticsconditions apply | 2 months | $600 per person (Rollover benefit applies) | Orthoptics, first visit: $55.20Orthoptics, later visit: $46.00 |
| Occupational therapyconditions apply | 2 months | $600 per person (Rollover benefit applies) | Occupational therapy, first visit: $165.60Occupational therapy, later visit: $146.40 |
| Orthoticsconditions apply | 2 months | $700 per person (Rollover benefit applies) (combined limit podiatry & orthotics (podiatric orthoses))shared with podiatry | Orthotics: $414.00 |
| Osteopathyconditions apply | 2 months | $700 per person (Rollover benefit applies) (combined limit chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services)shared with 4 other services | Osteopathy, first visit: $103.00Osteopathy, later visit: $86.10 |
| Speech therapyconditions apply | 2 months | $850 per person (Rollover benefit applies) | Speech therapy, first visit: $194.40Speech therapy, later visit: $171.60 |
| Vaccinationsconditions apply | 2 months | $600 per person (Rollover benefit applies) (combined limit for non pbs pharmaceuticals & vaccinations)shared with non-pbs medicines | Vaccination: $60.00 |
Not covered: audiology, antenatal and postnatal, health management programs, home nursing.
Other services: Most benefits paid at 80% of charge up to amount shown in benefit examples. Remedial massage & Chinese medicine are a fixed benefit. Pharmaceutical benefit applies after $23 co-payment. Other services covered include, but not limited to: Myotherapy, Counselling, Blood Pressure Monitors, CPAP machines, Nebulisers, TENS machines, Anticoagulation machine. Please call for more information.
From the insurer: Includes benefits for Corrective Laser Eye Surgery, available after 3 years membership. Loyalty benefit applies to Corrective Laser Eye Surgery and Hearing Aids after 10 years of continuous cover. Enjoy fast, easy claiming via our app, or simply swipe your membership card at the provider.
Our unique Rollover Benefit lets you rollover unclaimed annual maximums from one calendar year to the next on the majority of Extras services, except major dental which requires 2 years of membership. For example, if you go a year without claiming Optical benefits (such as new prescription glasses and/or contact lenses) your $350 Annual Maximum turns into a Rollover Maximum of $700 the following calendar year. Waiting periods and conditions 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.