Gold Ultimate Choice

An exceptional package for total peace of mind
  • Top hospital cover, with no excess to pay.
  • Generous extras benefits to look after your health and wellbeing.
  • Bonus to spend on extras out-of-pocket expenses.

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 inpatient hospital medication in almost all private hospitals in Australia. Find out more.

Extras cover:

  • The highest and most comprehensive level of extras, including major dental, optical, physiotherapy and other therapies.
  • High major dental benefit.
  • No limits on general dental. 
  • Bonus of $125 (single) or $250 (family) to put towards your extras out-of-pocket expenses (conditions apply).
  • Limits increase with years of membership for selected services.


  • Covers single dependants until age 21, and full-time student dependants up to age 25.
  • Non-student dependants who are single can stay on your policy as an extended dependant until the age of 25 for an additional premium loading.

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 benefits, limits, 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