Gold Hospital Cover (GH0, GH1, GH2)

Our Gold Hospital covers provide you with real peace of mind and allow you to choose your doctor. They’re available to everybody including singles, single parents, couples and families.

You’ll be covered for a wide range of hospital services (subject to bed availability and certification by a medical practitioner for the need of acute care after 35 days).

Excess options

No excess applies for child dependants under 21 on GMHBA’s Gold family hospital covers* listed in the 2009 member guide.

Gold Hospital cover is available with either:

• Level 0 nil excess (GH0) or
• progressively lower premiums in return for admission excesses of:
  • Level 1 $250 (GH1)
  • Level 2 $500 (GH2)

Gold Hospital cover - Excess options table	Level 0 nil excess (GH0)	Level 1 excess (GH1)	Level 2 excess (GH2)
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	$1000

What's covered?

No matter what excess option you choose, Gold Hospital provides cover* at participating private hospitals for:

• Accommodation - shared and private room (where available)
• Theatre
• Delivery suite
• Intensive and coronary care
• Same day treatment
• Surgically implanted prostheses (Government prescribed benefits)
• Medical gap
• Other agreed charges.

Public hospitals

You’ll also be covered* for hospital accommodation costs when you are admitted to a private or shared room (subject to bed availability) as a private patient in a recognised public hospital.

Other private hospitals

Fixed benefits are payable in non participating private hospitals (see Important Information).

Waiting periods

Please refer to the 2009 Member Guide for information regarding waiting periods and pre-existing conditions or go to Important Information.

Please download the Member Guide for more information on the benefits, exclusions and limitations of all our covers.

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