Health Insurance

Top Cover Gold & Essential Extras

Compare 47 Doctors Health Fund policies. Prices shown for: Single, NSW, Age 30, $500 excess.

Doctors Health Fund logo

Doctors Health Fund

Top Cover Gold & Essential Extras

$478.55

Gold hospital cover

Pregnancy and birth covered

Joint replacements covered

Emergency and non-emergency ambulance covered

Optical included

Excess

Why this cover

Member guide

Hospital Cover
  • Heart & Vascular
  • Brain & Nervous System
  • Eye (Not Cataracts)
  • Cataracts
Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Psychology
Pricing & Value
Monthly premium from
$438.58
Excess
$0 – $750
Hospital tier
Gold

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

8 weeks free

Join Doctors' Health Fund and receive 8 weeks free. Promotional offer valid from 3 February to 31 March 2026.

Ending 31 Mar 2026

Hospital Cover

38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine

Extras Cover

22 covered5 not covered
Endodontic
$1,600/policy1 yr
Root Canal Therapy: $131.75
General Dental
$1,600/policy2 mo
Periodic Exam: 100% backScale & Clean: 100% backFluoride: 100% backExtraction: $153
Major Dental
$1,600/policy1 yr
Full Crown (Veneered): $765
Orthodontic
$1,600/policy1 yr
Braces (Upper & Lower): 100% back
Optical
$500/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
$900/policy2 mo
1st visit: $50Next visit: $35
Acupuncture
$200/policy2 mo
1st visit: 75% backNext visit: 75% back
Exercise Physiology
$900/policy2 mo
1st visit: $30Next visit: $30
Occupational Therapy
$900/policy2 mo
1st visit: $50Next visit: $40
Physiotherapy
$900/policy2 mo
1st visit: $50Next visit: $35
Psychology
$900/policy2 mo
1st visit: $100Next visit: $100
Remedial Massage
$900/policy2 mo
1st visit: $40Next visit: $30
Speech Therapy
$900/policy2 mo
1st visit: $50Next visit: $40
Chinese Herbal Medicine
-
Chiropractic
-
Osteopathy
-
Antenatal/Postnatal
$900/policy2 mo
1st visit: $50Next visit: $30
Dietetics
$900/policy2 mo
1st visit: $50Next visit: $35
Hearing Aids
$800/policy24 mo
Hearing Aid: $400
Orthotics
$900/policy1 yr
Orthotics: $150
Podiatry
$900/policy2 mo
1st visit: $50Next visit: $35
Audiology
-
Home Nursing
-
Glucose Monitor
$500/policy1 yr
Glucose Monitor: 75% back
Health Management
$200/policy2 mo
Health Management: 75% back
Non-PBS Pharmaceuticals
$300/policy2 mo
Prescription: 85% back
Vaccinations
$300/policy2 mo
Vaccination: 85% back
Doctors Health Fund logo

Doctors Health Fund

Top Cover Gold & Essential Extras

$478.55

Gold hospital cover

Pregnancy and birth covered

Joint replacements covered

Emergency and non-emergency ambulance covered

Optical included

Excess

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