No Excess*
No Exclusions*
Unlimited Ambulance*
Cover Australia-wide

Gold Hospital Cover

For hospital cover with no surprises, Gold Hospital has no exclusions for Medicare listed procedures. You will also benefit from our healthy living programs and generous benefits on health aids and appliances.* 

Simply the Best

We keep it simple by only offering affordable top-level Gold Hospital cover, with no exclusions or restrictions.* This keeps top cover more affordable for everyone, and it's how we beat the big guys on price! Because Protecting you and your loved ones against the unexpected is priceless.

No Excess or Co-payments

When you have Police Health Gold Hospital, you also have the added benefit of no excess and co-payments when you do go to hospital.* While some funds don’t offer any lower than $750 Excess, we’re committed to help you better manage your costs when you need it most.

Cover for Aids and Appliances

Enjoy benefits towards continuous positive air pressure (CPAP) Machines and Non-surgically Implanted Items and Appliances such as Insulin Pumps, Prosthetic Eye (Non-implant), External Breast Prothesis, Pressure Garments, Ankle or Knee Brace, Custom Footwear.*

Healthy Living Programs

Improve your ongoing health with access to Healthy Living programs such as; Cancer Support Program, Healthy Weight for Life Programs for Osteoarthritis Management, Heart Health and Diabetes, as well as Kieser Osteoarthritis and Spinal Programs.*

What's covered

For the investigation of sleep patterns and anomalies.

For example: sleep apnoea and snoring.

For the implantation, replacement or other surgical management of a device required for the treatment of pain.

For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).

For the provision and replacement of insulin pumps for treatment of diabetes.

For surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

For example: gastric banding, gastric bypass, sleeve gastrectomy.

For fertility treatments or procedures.

For example: retrieval of eggs or sperm, In vitroFertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).

For investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition. 

For dialysis treatment for chronic kidney failure.

For example: peritoneal dialysis and haemodialysis.

For surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.  

For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.

For surgery to remove a cataract and replace with an artificial lens.

To correct hearing loss, including implantation of a prosthetic hearing device. 

For the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for: accommodation; and the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Medical Devices and Human Tissue Products) Rules, as in force from time to time. Does not include fees by the podiatric surgeon or related fees from the anaesthetist. 

For surgery to the teeth and gums. For example: dental implant surgery

Which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.

For example: burns requiring a graft, cleft palate, club foot and angioma.

For the investigation and treatment of the back, neck and spinal column, including spinal fusion.

For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis. 

For the investigation and treatment of blood and blood-related conditions.

For example: blood clotting disorders and bone marrow transplants.

For the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.

For the investigation and treatment of the heart, heart-related conditions and vascular system.

For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls. 

For the investigation and management of diabetes.

For example: stabilisation of hypo-or hyper-glycaemia, contour problems due to insulin injections.

For the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

For the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.

For example: melanoma, minor wound repair and abscesses.

For pain management that does not require the insertion or surgical management of a device.

For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.

For chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. 

For the investigation and treatment of a miscarriage or for termination of pregnancy.

For the investigation and treatment of the female reproductive system.

For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer. 

For the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).

For the investigation and treatment of a hernia or appendicitis

For the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

For the investigation and treatment of the male reproductive system including the prostate.

For example: male sterilisation, circumcision and prostate cancer.

For the investigation and treatment of the kidney, adrenal gland and bladder.

For example: kidney stones, adrenal gland tumour and incontinence.

Hospital treatment for surgery for joint reconstructions.

For example: torn tendons, rotator cuff tears and damaged ligaments.

For the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.

For the investigation of the tonsils, adenoids and insertion or removal of grommets.

For the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

For the investigation and treatment of the eye and the contents of the eye socket.

For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.

For the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.

For care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

For the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction

For physical rehabilitation for a patient related to surgery or illness.

For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.

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You won’t need to re-serve waiting periods that you’ve already served with your old fund.

*All benefits may be subject to Waiting Periods, Limits and other conditions. Rollover applies once you’ve completed your first 12 months membership (2 years for Major Dental). Providers must be recognised by us. Review the cover tables on the Combined, Hospital and Extras pages, and your State Premium and Benefit Guide or contact us for more information.