Hospital + ExtrasClosed

Top Hospital Package Gold

A Hospital + Extras product from ahm. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (18)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	No waiting period	Periodic exam (012): $28 Scale and clean (114): $47.20 Fluoride (121): $18.40 Extraction (322): $112	$800 a year
Major dental	12 months	Full crown, veneered (615): $571.80	$800 a yearShared with Root canal (endodontics), Orthodontics (braces)
Root canal (endodontics)	12 months	Root canal obturation (417): $113.60	$800 a yearShared with Major dental, Orthodontics (braces)
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 60% of the fee	$800 a yearShared with Major dental, Root canal (endodontics)
Glasses and contact lenses	No waiting period	Single vision lenses and frames: $300 Multifocal lenses and frames: $300	$300 a year
Non-PBS prescription medicines	No waiting period	Per prescription: $50	$650 a year
Physiotherapy	No waiting period	Initial visit: $45 Subsequent visit: $45	$600 a year
Chiropractic	No waiting period	Initial visit: $40 Subsequent visit: $40	$500 a year
Podiatry	No waiting period	Initial visit: $40 Subsequent visit: $40	$400 a year
Psychology	No waiting period	Initial visit: $70 Subsequent visit: $70	$400 a year
Acupuncture	No waiting period	Initial visit: $45 Subsequent visit: $45	$600 a yearShared with Remedial massage, Chinese herbal medicine, Osteopathy
Remedial massage	No waiting period	Initial visit: $45 Subsequent visit: $45	$600 a yearShared with Acupuncture, Chinese herbal medicine, Osteopathy
Hearing aids	12 months	Per hearing aid: $600	$600 a year
Chinese herbal medicine	No waiting period	Initial visit: $45 Subsequent visit: $45	$600 a yearShared with Acupuncture, Remedial massage, Osteopathy
Dietetics	No waiting period	Initial visit: $40 Subsequent visit: $40	$300 a year
Orthotics	12 months	Per pair of orthotics: $200	$400 a year
Osteopathy	No waiting period	Initial visit: $45 Subsequent visit: $45	$600 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Speech therapy	No waiting period	Initial visit: $50 Subsequent visit: $50	$300 a year

Not covered: Orthoptics, Audiology (hearing tests), Exercise physiology, Occupational therapy, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

NSW / ACT, QLD, WA, SA, TAS, NT

General dental
$800 a year
Major dental, Root canal (endodontics), Orthodontics (braces)
$800 a year
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$650 a year
Also includes other services not listed
Physiotherapy
$600 a year
Also includes other services not listed
Chiropractic
$500 a year
Podiatry
$400 a year
Also includes other services not listed
Psychology
$400 a year
Also includes other services not listed
Acupuncture, Remedial massage, Chinese herbal medicine, Osteopathy
$600 a year
Hearing aids
$600 a year
Dietetics
$300 a year
Also includes other services not listed
Orthotics
$400 a year
Speech therapy
$300 a year

VIC

General dental
$800 a year
Major dental, Root canal (endodontics), Orthodontics (braces)
$800 a year
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$650 a year
Also includes other services not listed
Physiotherapy
$600 a year
Also includes other services not listed
Chiropractic
$500 a year
Podiatry
$400 a year
Also includes other services not listed
Psychology
$400 a year
Also includes other services not listed
Acupuncture, Remedial massage, Chinese herbal medicine, Osteopathy
$600 a year
Hearing aids
$600 a year
Also includes other services not listed
Dietetics
$300 a year
Also includes other services not listed
Orthotics
$400 a year
Speech therapy
$300 a year

Insurer's notes (original English)

Other services

This product also includes Counselling services. Conditions and annual limits apply. Please refer to product guide for more details.

Frequently asked questions

How much does Top Hospital Package Gold pay for a scale and clean?

According to government data, Top Hospital Package Gold pays up to $47.20 per scale and clean (114), with a No waiting period general dental waiting period. General dental annual limit: $800 a year.

What are the waiting periods for Top Hospital Package Gold?

General dental No waiting period, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses No waiting period, Non-PBS prescription medicines No waiting period, Physiotherapy No waiting period, Chiropractic No waiting period, Podiatry No waiting period, Psychology No waiting period, Acupuncture No waiting period, Remedial massage No waiting period, Hearing aids 12 months, Chinese herbal medicine No waiting period, Dietetics No waiting period, Orthotics 12 months, Osteopathy No waiting period, Speech therapy No waiting period.

Can Top Hospital Package Gold be bought on its own?

This product combines hospital and Extras in one policy, with Gold hospital cover.

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