Gold Plus Hospital cover

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Gold Plus Hospital Cover

Gold Plus Hospital gives you comprehensive cover for total peace of mind. As our top cover, nothing is left to chance with even better benefit limits and a single room guarantee1. It's all you need to make your stay and recovery less painful.

What's covered?

Gold Plus Hospital provides cover2 at participating private hospitals for:

  • Private hospital accommodation3
  • Increased medical gap cover
  • Single room guarantee1
  • Delivery suite
  • Theatre
  • Intensive and coronary care
  • Same day treatment
  • Surgically implanted prostheses (Government prescribed benefits)
  • Other agreed charges

Public hospitals

You'll be covered2 for hospital accommodation costs when you are admitted to a single or shared room (subject to bed availability) as a private patient in a public hospital.

Increased medical gap cover

Gold Plus Hospital members have access to increased benefits when treated by a participating doctor or specialist if admitted to hospital. As a member on our top cover you will have a higher level of protection by receiving more back on selected services.

There's more information about Medical Gap Cover on the Medical Gap Cover page. We recommend you contact us for a benefit estimate before commencing treatment to confirm the benefit payable.

Excess options

You can reduce your premium by selecting one of the following excess options:

Excess options table Level 0 excess Level 1 excess Level 2 excess
Admission excess (private hospital - overnight) nil $250 $500
Admission excess (public hospital or day stay) nil $125 $250
Maximum annual excess - per person nil $250 $500
Maximum annual excess - singles nil $250 $500
Maximum annual excess - families nil $500 $1,000

To find out more about excess payments see the Excess section in Important Information.

No excess applies for child dependants under 21 on Gold Plus Hospital cover.

Waiting periods and pre-existing conditions

Waiting periods and rules around pre-existing conditions apply to all GMHBA's Hospital covers. Please read the Waiting Periods page for a general overview. For more detailed information you should read the Waiting Periods and Pre-existing Conditions section of Important Information in the GMHBA Member Guide.

1 We will pay you $50 per day (up to a maximum of $150 for 3 days) if you stay in a shared room when you requested a single room. Only available for overnight accommodation in a private hospital. See the GMHBA Member Guide for more details.

2 Limited benefits may apply to cosmetic surgery and high cost drugs. Drugs purchased outside of the hospital are not included.

3 Fixed benefits are payable in non participating private hospitals. For more information please refer to the section of Important Information about non-participating private hospitals.