Gold Hospital and Comprehensive Extras

  • No restrictions or exclusions for medically necessary procedures.

What’s included?

Hospital cover

  • Treatment in a private hospital for medically necessary treatment.
  • Medicare covers 75% of the Medical Benefit Schedule (MBS) fee set by the Government for doctors’ charges and TUH covers the remaining 25%. Note that there may be extra for you to pay if your doctor charges over the MBS and does not participate in the Access Gap Cover Scheme.
  • Accommodation, theatre fees, intensive care, cardiac care, industry approved prostheses and hospital medication in almost all private hospitals in Australia. Find out more

Extras cover

  • Wide range of extras, including dental, orthodontics, optical, physiotherapy, massage, podiatry, health appliances and more.
  • Health management benefit provides up to 80% on health screenings, and wellbeing, weight loss and fitness programs (up to overall annual limit).
  • Annual limits increase with years of membership.
  • Bonus to spend on extras out-of-pocket expenses.


  • Covers single dependants until age 21, and full-time student dependants up to age 25.

What’s not included?

  • Hospital treatment that is not medically necessary or treatment which is not eligible for Medicare benefits;
  • GP visits or other specialist appointments before you are admitted or after you are discharged from hospital;
  • Gap fees charged by specialists over the Medicare Benefits Schedule;
  • Experimental procedures/therapies;
  • High-cost medications; and
  • Robotic surgery consumables.

More information

Annual limits reset on 1 January. For full information on included services, benefits, limits, excesses, pre-existing condition rules and waiting periods, download the brochure below and read in conjunction with the Important Information Guide.

Help me find the cover I need

Get the brochure 

Important Information Guide