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Gold Combined

By: Single parent, VIC, Age 30, $500 excess.

Estimated premium
$820.73
ForSingle parent · VIC · Under 65

Pricing for a single parent in VIC, under 65

Premium calculated for the profile shown, before the government rebate.

$0 excess
$188.88/week
$820.73/month · $9,848.76/year

Gold Combined pricing by household

Monthly premiums in VIC for an adult under 65, before the government rebate. Every household this policy is sold to is listed.

Monthly premium by household and excess in VIC
ExcessSingleCoupleFamilySingle parent
$0$444.39/month$888.78/month$888.78/month$820.73/month

Single pricing in VIC

ExcessWeeklyMonthlyYearly
$0$102.27$444.39$5,332.68

Couple pricing in VIC

ExcessWeeklyMonthlyYearly
$0$204.54$888.78$10,665.36

Family pricing in VIC

ExcessWeeklyMonthlyYearly
$0$204.54$888.78$10,665.36

Single parent pricing in VIC

ExcessWeeklyMonthlyYearly
$0$188.88$820.73$9,848.76

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.

Covered categories38
Restricted categories0
Excluded categories0
Pregnancy and birth includedJoint replacements includedHeart and vascular system included
Clinical categoryStatus
Heart & VascularCovered
Brain & Nervous SystemCovered
Eye (Not Cataracts)Covered
CataractsCovered
Ear, Nose & ThroatCovered
Back, Neck & SpineCovered
Bone, Joint & MuscleCovered
Joint ReconstructionsCovered
Joint ReplacementsCovered
DialysisCovered

Waiting Periods

2monthsGeneral hospital services
12monthsMajor hospital services
12monthsPre-existing conditions
12monthsPregnancy and birth

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.

Total service covered23
Dental4
Optical2
Physiotherapy10
ServiceAnnual limitDetails
General dental–
Major dental–
EndodonticNo limit
Orthodontic$1,500
Optical–
Physiotherapy–
Chiropractic–
Psychology–
Podiatry–
Osteopathy–
Acupuncture–
Remedial massage–
Dietetics–
Speech therapy–
Occupational therapy–
Exercise physiology–
Hearing aids$1,200
Orthotics–
Non-PBS pharmaceuticals–
Chinese herbal medicine–
Vaccinations–
Glucose monitor$250
Orthoptics–

Hospital Agreements

Police Health 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.

HospitalAgreementDetails
St Vincent's Private Hospital SydneyFull agreement
Macquarie University HospitalFull agreement
Sydney Adventist HospitalFull agreement
Prince of Wales Private HospitalFull agreement
Hurstville Private HospitalDay surgery
Norwest Private HospitalFull agreement
Westmead Private HospitalFull agreement
Kareena Private HospitalFull agreement
Lingard Private HospitalFull agreement
Newcastle Private HospitalFull agreement
Showing 1-10 of 60 hospitals

Policy Features

See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.

Co-paymentCheck PDS
AmbulanceIncluded
Accident cover (no excess)Check PDS
Hospital-at-homeCheck PDS
Loyalty benefitsCheck PDS
Health management programsCheck PDS
Gap cover schemeCheck PDS

Compare with Similar Policies

Premiums shown for your current profile — adjust in Live Mode panel to see all values update.

Feature
Gold Combined
Insurer
Premium/week (live)
Excess
Categories covered
Hospital agreements
Police Health
$188.88/wk
$0
38
60

About Insurer

Police Health is a not-for-profit health insurer based in SA. They offer 60 policies across hospital, extras, and combined cover.

TypeNot-for-profit
AccessRestricted
Total policies60
Hospital agreements60
Ombudsman complaint ratio1.55%
Police Health logo
Police HealthNot-for-profit · SA

Police Health is a restricted, not-for-profit health fund for Australia's police community and their families. It focuses on top-level hospital and extras cover for eligible members.

View all insurer policies

Related policies

Open a policy to review its benefits, eligibility and available household options.

Important Information

This page provides a summary of Gold Combined by Police Health 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 Police Health
  • 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 Police Health.

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