Gold Ultimate Choice

Not covered: vaccinations.

Other services: Other services: Anti snore device $500 sub-limit included in Major Dental overall limit. Hydrotherapy $25 per consult included in Physiotherapy limit. Group Physiotherapy $25 per consult up to $300 sub-limit. Ante/post-natal Physiotherapy $17 per consult up to $140 limit. Chiropractic x-ray (one per year) $63 included in Chiropractic limit. Group Psychology $42 per consult, Psychometric assessments $116 and Counselling $45 per initial consult, $41 per subsequent consult included within the $450 Psychology limit. Osteopathic x-ray (one per year) $63 included in Osteopathy limit. Myotherapy, Shiatsu, Alexander Technique $45 per consult included in Remedial Massage limit. Western Herbal Medicine, Naturopathy $45/$40 per consult included in Acupuncture limit. Outpatient Podiatric Surgery 85% and Biogait Analysis $37 (one per year) included in $450 Podiatry limit. Orthotic Repairs 85% up to $100 sub-limit. Group Speech Therapy $21 per consult and Paediatric Assessment (one per year) $100 up to $450 Speech Therapy limit. Group Occupational Therapy $28.50 per consult and Paediatric Assessment (one per year) $71 up to $450 Occupational Therapy limit. Health Management overall limit includes $120 sub-limit Health Screenings, $150 sub-limit on Health Management Programs, $160 sub-limit on Healthy Lifestyle Programs and $225 sub-limit on Ante/post-natal classes and Menopause Support. *Blood Glucose Monitors $550 sub-limit included in Health Devices/Appliances overall $690 limit. All services in Health Devices/Appliances limit payable at 85% of cost including CPAP etc machines, $100 sub-limit on accessories/repair, $200 sub-limit on other appliances, $300 sub-limit on compression garments, and $120 sub-limit on Health Aids. $1,500 limit on Non-surgically implanted prostheses e.g. breast prostheses and wigs, payable at 85% of cost. Lactation nursing $50 daily included in $600 Home Nursing limit. Home Nursing benefits apply daily. Travel and Accommodation $55 per night and up to $110 travel up to $110 limit (conditions apply). Active Health Bonus $125/person $250/membership (conditions apply).

From the insurer: Online and mobile access, claims via smart phone app. Most extras annual limits increase with years of membership.

*Major Dental limit includes Crowns/Bridges $800 sub-limit, Implants $500 sub-limit, Dentures $750 sub-limit, Endodontia $500 sub-limit, Periodontia $500 sub-limit, Inlays/Onlays/Facings $500 sub-limit and Anti-snore device $500 sub-limit. *Orthodontic $1,000 annual sub-limit (maximum lifetime benefit $2,800). *Optical set benefits apply for frames/lenses/repairs, 100% up to annual limit for contacts. *Physiotherapy limit includes Exercise Physiology $250 sub-limit and Group Physiotherapy $300 sub-limit. Orthotics (customised and moulded) $360 sub-limit.

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.

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.