Gold Hospital

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}

<sub>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 Lukes 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.</sub>

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