Top Cover Gold & Essential Extras
Compare 47 Doctors Health Fund policies. Prices shown for: Single, NSW, Age 30, $500 excess.
Doctors Health Fund
Top Cover Gold & Essential Extras
$881.68
Pregnancy and birth covered
Joint replacements covered
Emergency and non-emergency ambulance covered
100% back on orthodontics
100% back on optical lenses
Excess
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Extras Cover
- Dental
- Optical
- Physiotherapy
- Psychology
Pricing & Value
- Monthly premium from
- $760.27
- Excess
- $0 – $750
- Hospital tier
- Gold
Excellent Service Record0.98× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
We do all the paperwork for you
Refer a friend
Refer a friend
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/person1 yr
Root Canal Therapy: $131.75
General Dental
$1,600/person2 mo
Periodic Exam: 100% backScale & Clean: 100% backFluoride: 100% backExtraction: $153
Major Dental
$1,600/person1 yr
Full Crown (Veneered): $765
Orthodontic
$1,600/person1 yr
Braces (Upper & Lower): 100% back
Optical
$500/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
$900/person2 mo
1st visit: $50Next visit: $35
Acupuncture
$200/person2 mo
1st visit: 75% backNext visit: 75% back
Exercise Physiology
$900/person2 mo
1st visit: $30Next visit: $30
Occupational Therapy
$900/person2 mo
1st visit: $50Next visit: $40
Physiotherapy
$900/person2 mo
1st visit: $50Next visit: $35
Psychology
$900/person2 mo
1st visit: $100Next visit: $100
Remedial Massage
$900/person2 mo
1st visit: $40Next visit: $30
Speech Therapy
$900/person2 mo
1st visit: $50Next visit: $40
Chinese Herbal Medicine
-Chiropractic
-Osteopathy
-Antenatal/Postnatal
$900/person2 mo
1st visit: $50Next visit: $30
Dietetics
$900/person2 mo
1st visit: $50Next visit: $35
Hearing Aids
$800/person24 mo
Hearing Aid: $400
Orthotics
$900/person1 yr
Orthotics: $150
Podiatry
$900/person2 mo
1st visit: $50Next visit: $35
Audiology
-Home Nursing
-Glucose Monitor
$500/person1 yr
Glucose Monitor: 75% back
Health Management
$200/person2 mo
Health Management: 75% back
Non-PBS Pharmaceuticals
$300/person2 mo
Prescription: 85% back
Vaccinations
$300/person2 mo
Vaccination: 85% back
Doctors Health Fund
Top Cover Gold & Essential Extras
$881.68
Pregnancy and birth covered
Joint replacements covered
Emergency and non-emergency ambulance covered
100% back on orthodontics
100% back on optical lenses
Excess
Frequently Asked Questions
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