The tiers are
Basic
Bronze
Silver
Gold

Top tier care to support and help protect all your health needs

Gold hospital cover is designed to give you absolute confidence you can be covered, whatever stage of life you’re at. This tier includes all 38 categories of hospital treatments like pregnancy and birth, assisted reproductive services, dialysis for chronic kidney failure and weight loss surgery. There are waiting periods and other policy rules, so it’s important to plan ahead of time if you need specific categories covered. 

Whether you’re planning for a new member of the family or dealing with chronic illness, Gold tier hospital cover means you can make the choices that are best for your health.

Features of Gold tier:

  • Comprehensive health cover
  • Generous support for those planning a family**
  • Great choice for chronic illness and older adults
Here is our hospital cover in Gold tier

*Minimum direct debit frequency is fortnightly. Price is for a single in NSW under the age of 65. No Lifetime Health Cover loading or age-based discount applied. Includes base tier Australian Government Rebate. Hospital cover price is based on an excess of $750.

Compare the different tiers

How to read our table:

Included Included  Restricted Restricted cover  Not included Not Included

See our Glossary for help on definitions


Hospital treatment coverage by clinical category and insurance tier
Hospital treatment by clinical category Basic Bronze Silver Gold
Rehabilitation Restricted Restricted Included Included
Hospital psychiatric services Restricted Restricted Restricted Included
Palliative care Restricted Restricted Included Included
Brain and nervous system Not Included Included Included Included
Eye (not cataracts) Not Included Included Included Included
Ear, nose and throat Not Included Included Included Included
Tonsils, adenoids and grommets Not Included Included Included Included
Bone, joint and muscle Not Included Included Included Included
Joint reconstructions Not Included Included Included Included
Kidney and bladder Not Included Included Included Included
Male reproductive system Not Included Included Included Included
Digestive system Not Included Included Included Included
Hernia and appendix Not Included Included Included Included
Gastrointestinal endoscopy Not Included Included Included Included
Gynaecology Not Included Included Included Included
Miscarriage and termination of pregnancy Not Included Included Included Included
Chemotherapy, radiotherapy and immunotherapy for cancer Not Included Included Included Included
Pain management Not Included Included Included Included
Skin Not Included Included Included Included
Breast surgery (medically necessary) Not Included Included Included Included
Diabetes management (excluding insulin pumps) Not Included Included Included Included
Heart and vascular system Not Included Not Included Included Included
Lung and chest Not Included Not Included Included Included
Blood Not Included Not Included Included Included
Back, neck and spine Not Included Not Included Included Included
Plastic and reconstructive surgery (medically necessary) Not Included Not Included Included Included
Dental surgery Not Included Not Included Included Included
Podiatric surgery (provided by a registered podiatric surgeon) Not Included Not Included Included Included
Implantation of hearing devices Not Included Not Included Included Included
Cataracts Not Included Not Included Not Included Included
Joint replacements Not Included Not Included Not Included Included
Dialysis for chronic kidney failure Not Included Not Included Not Included Included
Pregnancy and birth Not Included Not Included Not Included Included
Assisted reproductive services Not Included Not Included Not Included Included
Weight loss surgery Not Included Not Included Not Included Included
Insulin pumps Not Included Not Included Not Included Included
Pain management with device Not Included Not Included Not Included Included
Sleep studies Not Included Not Included Not Included Included

Source: Australian Government Private Health Insurance Reforms

Frequently asked questions

No, our Gold Complete Hospital cover includes all 38 clinical categories available. We suggest you browse our Extras to see what additional treatments and services you could combine with your hospital cover.

Read more: Bupa Extras

Yes, you can choose an excess of either $500 or $750 so you can tailor your premium rate to suit your budget. 

Need help or advice?

Talk to a health insurance specialist.

¥ Subject to availability and eligibility. Private room must be booked and requested at least 24 hours before admission. For every night a private room is unavailable, you’ll receive $50 back per night from the hospital. Applies to overnight admissions only. Excludes nursing home type patients, emergency care, same-day stays or where a private room is not medically appropriate. Not available in the NT. Any co-payment excess as part of your cover will still apply.

† If claimable from another source, a benefit won’t be paid by Bupa. Benefits for ambulance transportation is only payable where the provider describes the transportation as an ‘Emergency’. For more, see the Important Information Guide. There is a 1 day waiting period for emergency ambulance and on-the-spot treatment.

** Waiting periods, fund and policy rules apply.