Top Hospital (Gold) & Top Extras
A Gold hospital and extras policy from Teachers Health.
- Sold as Nurses & Midwives Health, UniHealth.
- Teachers Health only takes education union members and their families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Teachers Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $500 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None, $300, $500
- 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.
Against 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$347.8912th 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.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- No excess$371.83
- $300 excess$17.42 less than no excess$354.41
- $500 excess$23.94 less than no excess$347.89
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $371.83 | $743.66 | $743.66 | $612.99 | $966.76 | $796.86 |
| VIC | $393.19 | $786.38 | $786.38 | $649.30 | $1,022.30 | $844.08 |
| QLD | $408.17 | $816.34 | $816.34 | $673.31 | $1,061.24 | $875.30 |
| SA | $364.54 | $729.08 | $729.08 | $599.49 | $947.80 | $779.33 |
| WA | $331.09 | $662.18 | $662.18 | $544.71 | $860.83 | $708.11 |
| TAS | $356.00 | $712.00 | $712.00 | $587.34 | $925.61 | $763.52 |
| NT | $239.43 | $478.86 | $478.86 | $390.88 | $622.52 | $508.16 |
$300 excessat most $600 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $354.41 | $708.82 | $708.82 | $583.37 | $921.47 | $758.36 |
| VIC | $375.29 | $750.58 | $750.58 | $618.87 | $975.76 | $804.51 |
| QLD | $389.80 | $779.60 | $779.60 | $642.08 | $1,013.47 | $834.70 |
| SA | $347.28 | $694.56 | $694.56 | $570.16 | $902.93 | $741.19 |
| WA | $313.98 | $627.96 | $627.96 | $515.62 | $816.35 | $670.30 |
| TAS | $339.41 | $678.82 | $678.82 | $559.14 | $882.47 | $726.86 |
| NT | $223.55 | $447.10 | $447.10 | $363.89 | $581.23 | $473.05 |
$500 excessat most $1,000 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $347.89 | $695.78 | $695.78 | $572.29 | $904.52 | $743.95 |
| VIC | $370.41 | $740.82 | $740.82 | $610.57 | $963.07 | $793.73 |
| QLD | $381.04 | $762.08 | $762.08 | $627.19 | $990.70 | $815.34 |
| SA | $343.00 | $686.00 | $686.00 | $562.88 | $891.80 | $731.73 |
| WA | $306.76 | $613.52 | $613.52 | $503.35 | $797.58 | $654.34 |
| TAS | $333.83 | $667.66 | $667.66 | $549.65 | $867.96 | $714.53 |
| NT | $215.56 | $431.12 | $431.12 | $350.31 | $560.45 | $455.40 |
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
- 9 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: none, $300, $500, paid when you are admitted.
From the insurer: If your doctor or specialist participates in our Access Gap Cover scheme, you may be able to reduce or eliminate your out-of-pocket medical costs. In addition, through Teachers Healthcare Services eligible members can connect with dedicated care coordinators to support them with hospital treatment, having a baby, or managing their physical and/or mental health.
Pays towards 27 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$1,300typical policy $1,000
- Optical$260typical policy $220
- Physiotherapyshared with exercise physiology, orthoptics$800typical policy $450
- Chiropracticshared with osteopathy$480typical policy $400
- Psychology$600typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$40.00typical policy $35.20
- Scale and clean (item 114)$70.00typical policy $66.85
- Full crown, veneered (item 615)$750.00typical policy $773.80
- Single vision lenses and frames$260.00typical policy $220.00
- Physiotherapy, first visit$55.00typical policy $42.00
- Psychology, first visit$100.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | No annual limit | Periodic oral exam (item 012): $40.00Scale and clean (item 114): $70.00Fluoride treatment (item 121): $27.00 |
| Major dentalconditions apply | 12 months | $1,300shared with endodontic (root canals) | Surgical extraction (item 322): $135.00Full crown, veneered (item 615): $750.00 |
| Endodontic (root canals)conditions apply | 12 months | $1,300shared with major dental | Root canal filling (item 417): $160.00 |
| Orthodonticsconditions apply | 12 months | $2,500, $2,500 lifetime | Braces, upper and lower, with retainer (item 881): $2,500.00 |
| Optical | 6 months | $260 | Multifocal lenses and frames: $260.00Single vision lenses and frames: $260.00 |
| Non-PBS medicines | 2 months | $800shared with vaccinations | Non-PBS prescription: $60.00 |
| Physiotherapy | 2 months | $800shared with exercise physiology, orthoptics | Physiotherapy, first visit: $55.00Physiotherapy, later visit: $40.00 |
| Chiropractic | 2 months | $480shared with osteopathy | Chiropractic, first visit: $55.00Chiropractic, later visit: $40.00 |
| Podiatry | 2 months | $400 | Podiatry, first visit: $55.00Podiatry, later visit: $40.00 |
| Psychology | 2 months | $600 | Psychology, first visit: $100.00Psychology, later visit: $72.00 |
| Acupuncture | 2 months | $600shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: $38.00Acupuncture, later visit: $38.00 |
| Remedial massage | 2 months | $600shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: $38.00Remedial massage, later visit: $38.00 |
| Hearing aidsconditions apply | 12 months | $1,200, 2 every 3 years | Hearing aid: $600.00 |
| Blood glucose monitors | 2 months | $160, 1 every year | Blood glucose monitor: $160.00 |
| Audiology | 2 months | No annual limit | Audiology, first visit: $45.00Audiology, later visit: $45.00 |
| Antenatal and postnatal | 2 months | $300 | Antenatal and postnatal, first visit: $300.00 |
| Chinese herbal medicine | 2 months | $600shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: $38.00Chinese herbal medicine, later visit: $38.00 |
| Dietetics | 2 months | $400 | Dietetics, first visit: $60.00Dietetics, later visit: $40.00 |
| Exercise physiology | 2 months | $800shared with physiotherapy, orthoptics | Exercise physiology, first visit: $55.00Exercise physiology, later visit: $40.00 |
| Orthoptics | 2 months | $800shared with physiotherapy, exercise physiology | Orthoptics, first visit: $40.00Orthoptics, later visit: $35.00 |
| Health management programs | 6 months | $250 | Health management program: $250.00 |
| Home nursing | 2 months | $800 | Home nursing, first visit: $95.00Home nursing, later visit: $33.00 |
| Occupational therapy | 2 months | $500 | Occupational therapy, first visit: $70.00Occupational therapy, later visit: $44.00 |
| Orthotics | 2 months | $200, 2 every year | Orthotics: $100.00 |
| Osteopathy | 2 months | $480shared with chiropractic | Osteopathy, first visit: $55.00Osteopathy, later visit: $40.00 |
| Speech therapy | 2 months | $600 | Speech therapy, first visit: $80.00Speech therapy, later visit: $45.00 |
| Vaccinations | 2 months | $800shared with non-pbs medicines | Vaccination: $60.00 |
Benefits for major dental and hearing aids have increasing annual limits based on years of continuous membership on our Top Extras cover. Benefits for speech therapy are $80 for the first visit, $70 for visits 2-6 and $45 for subsequent visits. Childbirth education classes must be provided by a registered nurse or midwife.
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.