Pricing for a family in NSW, under 65
Premium calculated for the profile shown, before the government rebate.
Gold Advanced Cover pricing by household
Monthly premiums in NSW for an adult under 65, before the government rebate. Every household this policy is sold to is listed.
| Excess | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| $750 | $776.74/month | $1,530.30/month | $1,592.06/month | $1,321.87/month |
Single pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $750 | $178.76 | $776.74 | $9,320.88 |
Couple pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $750 | $352.18 | $1,530.30 | $18,363.60 |
Family pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $750 | $366.39 | $1,592.06 | $19,104.72 |
Single parent pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $750 | $304.21 | $1,321.87 | $15,862.44 |
Hospital Coverage — Gold Tier
Review the hospital clinical categories covered under this Gold tier policy, including covered, restricted, and excluded services, plus any important notes or conditions.
| Clinical category | Status | Notes |
|---|---|---|
| Heart & Vascular | Covered | - |
| Brain & Nervous System | Covered | - |
| Eye (Not Cataracts) | Covered | - |
| Cataracts | Covered | - |
| Ear, Nose & Throat | Covered | - |
| Back, Neck & Spine | Covered | - |
| Bone, Joint & Muscle | Covered | - |
| Joint Reconstructions | Covered | - |
| Joint Replacements | Covered | - |
| Dialysis | Covered | - |
Waiting Periods
Standard waiting periods apply. If transferring from another insurer with equivalent cover, served waiting periods are recognised under portability rules.
Extras Coverage — Top Level
Annual limits and benefits shown below.
| Service | Annual limit | Benefit | Waiting period | Details |
|---|---|---|---|---|
| General dental | $1,000 | 75% | 2 months | |
| Major dental | $1,300 | 75% | 12 months | |
| Endodontic | – | 75% | 12 months | |
| Orthodontic | $800 | 75% | 12 months | |
| Optical | $350 | 75% | 6 months | |
| Physiotherapy | $600 | 75% | 2 months | |
| Chiropractic | $500 | 75% | 2 months | |
| Psychology | $500 | 75% | 2 months | |
| Podiatry | $400 | 75% | 2 months | |
| Osteopathy | – | 75% | 2 months | |
| Acupuncture | $450 | 75% | 2 months | |
| Remedial massage | – | 75% | 2 months | |
| Dietetics | $700 | 75% | 2 months | |
| Speech therapy | $450 | 75% | 2 months | |
| Occupational therapy | $550 | 75% | 2 months | |
| Exercise physiology | $400 | 75% | 2 months | |
| Hearing aids | $1,200 | 75% | 36 months | |
| Orthotics | – | 75% | 2 months | |
| Non-PBS pharmaceuticals | $500 | 75% | 2 months | |
| Chinese herbal medicine | – | 75% | 2 months | |
| Health management | $200 | 75% | 6 months | |
| Home nursing | $200 | 75% | 2 months | |
| Antenatal & postnatal | $300 | 100% | 2 months | |
| Glucose monitor | $500 | 75% | 12 months | |
| Orthoptics | $300 | 75% | 2 months |
Hospital Agreements
nib Health Funds has agreements with 60 private hospitals across Australia.
When you're treated at an agreed hospital, you're covered for accommodation, theatre fees, and prostheses at the negotiated rate — minimising or eliminating gap payments. At a non-agreed hospital, you may face significant out-of-pocket costs even for covered procedures.
| Hospital | Suburb | State | Agreement | Details |
|---|---|---|---|---|
| St Vincent's Private Hospital Sydney | Darlinghurst | NSW | Full agreement | |
| Macquarie University Hospital | Macquarie Park | NSW | Full agreement | |
| Sydney Adventist Hospital | Wahroonga | NSW | Full agreement | |
| Prince of Wales Private Hospital | Randwick | NSW | Full agreement | |
| Hurstville Private Hospital | Hurstville | NSW | Day surgery | |
| Norwest Private Hospital | Bella Vista | NSW | Full agreement | |
| Westmead Private Hospital | Westmead | NSW | Full agreement | |
| Kareena Private Hospital | Caringbah | NSW | Full agreement | |
| Lingard Private Hospital | Merewether | NSW | Full agreement | |
| Newcastle Private Hospital | New Lambton Heights | NSW | Full agreement |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
Compare with Similar Policies
Premiums shown for your current profile — adjust in Live Mode panel to see all values update.
About Insurer
nib Health Funds is a for-profit health insurer based in NSW. They offer 229 policies across hospital, extras, and combined cover.
nib Health Funds is a for-profit Australian health insurer established more than 60 years ago. It offers hospital, extras and combined cover, and underwrites a number of white-label health insurance brands.
View all insurer policiesRelated policies
Open a policy to review its benefits, eligibility and available household options.
nib Health Funds
Basic Kickstarter
- Cover
- Hospital and extras
- Tier
- Basic
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500, $750
Reserve Bank Health
Gold Hospital and Premium Extras Cover
- Cover
- Hospital and extras
- Tier
- Gold
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $0
Doctors Health Fund
Top Cover Gold & Total Extras
- Cover
- Hospital and extras
- Tier
- Gold
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $0, $750
onemedifund
Gold Hospital & Comprehensive Extras
- Cover
- Hospital and extras
- Tier
- Gold
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $250
Important Information
This page provides a summary of Gold Advanced Cover by nib Health Funds based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from nib Health Funds
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 9 September 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by nib Health Funds.
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