Gold Hospital

Gold Hospital

Covering you for everything life throws your way. This extensive product provides you with peace of mind for all life’s events with multiple excess options available. 


All Gold Hospital products give you top private Hospital cover with multiple excess options.

You can also combine this product with a stand-alone extras cover to tailor your own combined hospital and extras package.

For Gold Hospital products with an excess (with the exception of Gold Hospital 1000*), the excess for adults will apply to both same-day and overnight hospitalisations. The same-day excess will be half the chosen excess up to the maximum product excess. The excess does not apply to child dependants covered by the policy.

On Gold Hospital 1000, an excess of $200 per admission applies to same-day hospitalisations, up to the maximum excess of $1000 per person. The full excess of $1000 per person applies to overnight hospitalisations (less any excess that has already been applied to same-day hospitalisations for that person in the same calendar year). The excess applies to both adults and child dependants covered by the policy.

* Gold Hospital 1000 will not exempt high income earners from having to pay the additional Medicare Levy Surcharge. For more information, click here

Dependant Extension options available on this product:
Our Dependant Extension option means that your non-student child dependant can remain on their parent’s policy for an additional premium, provided they are aged between 23 and 25, not studying full-time and are not married or living in a defacto relationship. For more information on Dependant Extension, contact St.LukesHealth on 1300 651 988.

For information on waiting periods, including pre-existing conditions, exclusions, restrictions, co-payments and or excesses, visit our membership conditions.

A full list of contracted private hospital and day-hospital facilities contracted with St Lukes can be found here.

Hospital Cover Benefits Gold Hospital 300, 500 and 750 Gold Hospital 1000
Full cover for hospital accommodation and theatre fees in all contracted private hospitals and day hospital facilities within Australia (medical certification is required after 35 continuous days in hospital). Yes Yes
Benefits will be paid at no less than the minimum benefit when you elect to be treated as a private patient in
all public hospitals within Australia.
Yes Yes
Benefits towards approved surgically implanted prostheses. Yes Yes
The gap between the Medicare benefit and the Medicare Benefit Schedule (MBS) fee for medical services
performed while you are an inpatient in hospital.
Yes Yes
Additional gap cover benefit for medical services provided by practitioners participating in St Lukes Medical Gap Cover. Yes Yes
Benefits towards uncontracted private hospitals (patient gaps may apply, you should check with St Lukes before being admitted to an uncontracted hospital). Yes Yes
No waiting periods apply if switching to an equivalent or lower level of cover. Yes Yes
Full cover for intensive care in all contracted private hospitals (medical certification is required). Yes Yes
Full cover for coronary care in all contracted private hospitals (medical certification is required). Yes Yes
Hospital accommodation for podiatric surgery (doesn't include doctors' fees). Yes Yes
Excess applies for overnight hospitalisations. Yes Yes
Excess applies for same-day hospitalisations (only half the same-day excess applies on Gold Hospital 300,
500 and 750).
Yes Yes
No excess on hospitalisations for child dependants. Yes No
Exempts high income earners from having to pay the additional Medicare Levy Surcharge. Yes No
Access to our Private Postnatal Care Service for Northern Tasmanian members. Yes Yes
No excluded services. Yes Yes
Cosmetic surgery and other surgical procedures not covered by Medicare. No No

Hospital Benefits

Weight loss surgery

Dialysis for chronic kidney disease

Joint replacements


Sleep Studies

Pain management with device

Insulin pumps

Assisted reproductive services

Pregnancy and birth

Podiatric surgery (provided by an accredited podiatric surgeon)

Heart and vascular system

Back, neck and spine (incl. fusion)

Implantation of hearing devices

Plastic and reconstructive surgery (medically necessary)


Lung and chest

Dental surgery

Diabetes (excluding insulin pumps)


Miscarriage and termination of pregnancy

Male reproductive system

Kidney and bladder

Eye (not cataracts)

Breast surgery (medically necessary)

Pain management

Chemotherapy, radiotherapy and immunotherapy for cancer

Gastrointestinal and endoscopy

Digestive system

Brain and nervous system


Hernia and appendix

Joint reconstruction

Bone, joint and muscle

Tonsils, adenoids and grommets

Ear, nose & throat

Palliative care

Hospital psychiatric services


Need help deciding?

Our friendly staff are only a phone call away and are trained to provide personalised service to assist you in choosing the level of health cover you require.