TOP ADVANCED HOSPITAL GOLD & MULTICOVER
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
TOP ADVANCED HOSPITAL GOLD & MULTICOVER
$788.30
Pregnancy and birth covered
Joint replacements covered
Weight loss surgery covered
Emergency ambulance covered
100% back on optical lenses
Excess
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $555.40
- Excess
- $250
- Hospital tier
- Gold
Average Service Record1.81× 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
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
21 covered6 not covered
More for You dentistsSpecial dental rates at a More for You dentist
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Endodontic
$2,220/person1 yr
Root Canal Therapy: $164
General Dental
$550/person2 mo
Periodic Exam: $34Scale & Clean: $69Fluoride: $27
Major Dental
$2,220/person1 yr
Extraction: $182Full Crown (Veneered): $580
Orthodontic
$440/person1 yr
Braces (Upper & Lower): $440
Optical
$220/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$200/person2 mo
1st visit: $32Next visit: $25
Chinese Herbal Medicine
$200/person2 mo
1st visit: $32Next visit: $25
Chiropractic
$375/person2 mo
1st visit: $35Next visit: $28
Exercise Physiology
$375/person2 mo
1st visit: $32Next visit: $30
Occupational Therapy
$500/person2 mo
1st visit: $62Next visit: $40
Osteopathy
$375/person2 mo
1st visit: $40Next visit: $30
Physiotherapy
$600/person2 mo
1st visit: $46Next visit: $36
Psychology
$300/person2 mo
1st visit: $44Next visit: $44
Remedial Massage
$200/person2 mo
1st visit: $32Next visit: $25
Speech Therapy
-Audiology
$500/person2 mo
1st visit: $52Next visit: $35
Dietetics
$300/person2 mo
1st visit: $50Next visit: $40
Hearing Aids
$600/person1 yr
Hearing Aid: $600
Podiatry
$200/person2 mo
1st visit: $35Next visit: $27
Antenatal/Postnatal
-Home Nursing
-Orthotics
-Glucose Monitor
$500/person1 yr
Glucose Monitor: $150
Health Management
$150/person2 mo
Health Management: $150
Non-PBS Pharmaceuticals
$600/person2 mo
Prescription: $50
Vaccinations
-HCF
TOP ADVANCED HOSPITAL GOLD & MULTICOVER
$788.30
Pregnancy and birth covered
Joint replacements covered
Weight loss surgery covered
Emergency ambulance covered
100% back on optical lenses
Excess
Frequently Asked Questions
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