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Gold Ultimate Health Cover

A Hospital + Extras product from Bupa. 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

Services covered (25)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	NSW / ACT Periodic exam (012): $45.10 Scale and clean (114): $90.45 Fluoride (121): $35 Extraction (322): $132 VIC Periodic exam (012): $42.35 Scale and clean (114): $84.50 Fluoride (121): $30.50 Extraction (322): $123.20 QLD Periodic exam (012): $48.40 Scale and clean (114): $95.90 Fluoride (121): $35 Extraction (322): $139.95 WA Periodic exam (012): $50.60 Scale and clean (114): $100.30 Fluoride (121): $36.50 Extraction (322): $146.20 SA Periodic exam (012): $39.60 Scale and clean (114): $83.95 Fluoride (121): $21.50 Extraction (322): $123.20 TAS Periodic exam (012): $41.25 Scale and clean (114): $81.75 Fluoride (121): $33 Extraction (322): $119.20 NT Periodic exam (012): $43.45 Scale and clean (114): $92.65 Fluoride (121): $30.50 Extraction (322): $135.55	No annual limit
Major dental	12 months	NSW / ACT Full crown, veneered (615): $1,408 VIC Full crown, veneered (615): $970.65 QLD Full crown, veneered (615): $1,496 WA Full crown, veneered (615): $1,556.50 SA Full crown, veneered (615): $910.05 TAS Full crown, veneered (615): $1,056 NT Full crown, veneered (615): $1,353	$1,600 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	NSW / ACT Root canal obturation (417): $280.50 VIC Root canal obturation (417): $166.80 QLD Root canal obturation (417): $297 WA Root canal obturation (417): $308 SA Root canal obturation (417): $165.55 TAS Root canal obturation (417): $214.50 NT Root canal obturation (417): $286	$1,600 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$1,600 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: $294.55 Multifocal lenses and frames: $416.55	$420 a year
Non-PBS prescription medicines	2 months	Per prescription: $75	$1,500 a year
Physiotherapy	2 months	NSW / ACT Initial visit: $69.40 Subsequent visit: $57.75 VIC, SA Initial visit: $63.85 Subsequent visit: $50.60 QLD, WA Initial visit: $68.25 Subsequent visit: $54.45 TAS Initial visit: $62.70 Subsequent visit: $49.50 NT Initial visit: $66.60 Subsequent visit: $53.35	$1,500 a year
Chiropractic	2 months	NSW / ACT Initial visit: $55.80 Subsequent visit: $38.50 VIC Initial visit: $54.35 Subsequent visit: $35.35 QLD, WA, TAS Initial visit: $52.80 Subsequent visit: $34.40 SA Initial visit: $56.35 Subsequent visit: $35.35 NT Initial visit: $39.60 Subsequent visit: $35.20	$1,000 a yearShared with Osteopathy
Podiatry	2 months	NSW / ACT Initial visit: $65 Subsequent visit: $45.10 VIC Initial visit: $60 Subsequent visit: $55 QLD Initial visit: $50 Subsequent visit: $45 WA, NT Initial visit: $50 Subsequent visit: $42 SA Initial visit: $50.60 Subsequent visit: $42.90 TAS Initial visit: $46.20 Subsequent visit: $40	$1,000 a year
Psychology	2 months	NSW / ACT Initial visit: $147.50 Subsequent visit: $131 VIC Initial visit: $135.50 Subsequent visit: $131 QLD Initial visit: $126.50 Subsequent visit: $110 WA Initial visit: $160.50 Subsequent visit: $131 SA Initial visit: $135.50 Subsequent visit: $126.50 TAS Initial visit: $143 Subsequent visit: $115.50 NT Initial visit: $132 Subsequent visit: $123	$1,000 a year
Acupuncture	2 months	Initial visit: $43 Subsequent visit: $34	$1,000 a yearShared with Remedial massage, Chinese herbal medicine, Exercise physiology
Remedial massage	2 months	Initial visit: $62.50 Subsequent visit: $55	$1,000 a yearShared with Acupuncture, Chinese herbal medicine, Exercise physiology
Hearing aids	12 months	Per hearing aid: 100% of the fee	$850 a year
Blood glucose monitors	12 months	Blood glucose monitor: 85% of the fee	$600 a year
Antenatal and postnatal care	2 months	Initial visit: $22 Subsequent visit: $22	$500 a year
Chinese herbal medicine	2 months	Initial visit: $35.20 Subsequent visit: $26.40	$1,000 a yearShared with Acupuncture, Remedial massage, Exercise physiology
Dietetics	2 months	Initial visit: $64 Subsequent visit: $41	$1,000 a year
Exercise physiology	2 months	Initial visit: $35.20 Subsequent visit: $26.40	$1,000 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Orthoptics	2 months	Initial visit: $60 Subsequent visit: $40	$1,000 a year
Health management programs	6 months	Health management program: 50% of the fee	$300 a year
Home nursing	2 months	Initial visit: $44 Subsequent visit: $44	$400 a year
Occupational therapy	2 months	NSW / ACT Initial visit: $110.50 Subsequent visit: $78 VIC Initial visit: $109 Subsequent visit: $73 QLD Initial visit: $112 Subsequent visit: $78 WA Initial visit: $117.50 Subsequent visit: $76.50 SA Initial visit: $124 Subsequent visit: $81.50 TAS Initial visit: $110.50 Subsequent visit: $73 NT Initial visit: $119 Subsequent visit: $81.50	$1,000 a year
Orthotics	12 months	Per pair of orthotics: $100	$1,000 a year
Osteopathy	2 months	NSW / ACT Initial visit: $69 Subsequent visit: $47.50 VIC Initial visit: $67 Subsequent visit: $43.50 QLD, WA, TAS, NT Initial visit: $65 Subsequent visit: $42.50 SA Initial visit: $69.50 Subsequent visit: $43.50	$1,000 a yearShared with Chiropractic
Speech therapy	2 months	NSW / ACT Initial visit: $112 Subsequent visit: $74 VIC Initial visit: $105 Subsequent visit: $64 QLD Initial visit: $100 Subsequent visit: $60 WA Initial visit: $115 Subsequent visit: $70 SA Initial visit: $104 Subsequent visit: $74 TAS Initial visit: $105 Subsequent visit: $74 NT Initial visit: $100 Subsequent visit: $74	$1,000 a year

Not covered: Audiology (hearing tests), Vaccinations

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Major dental, Root canal (endodontics)
$1,600 a year
Orthodontics (braces)
$1,600 a year, $3,200 lifetime
Glasses and contact lenses
$420 a year
Non-PBS prescription medicines
$1,500 a year
Physiotherapy
$1,500 a year
Chiropractic, Osteopathy
$1,000 a year
Podiatry
$1,000 a year
Psychology
$1,000 a year
Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology
$1,000 a year
Hearing aids
$850 a year, 1 per 3 years
Blood glucose monitors
$600 a year, 1 per year
Dietetics
$1,000 a year
Orthoptics
$1,000 a year
Health management programs
$300 a year
Occupational therapy
$1,000 a year
Speech therapy
$1,000 a year
Orthotics
$1,000 a year, 1 per year
Also includes other services not listed
Antenatal and postnatal care
$500 a year
Home nursing
$400 a year

Insurer's notes (original English)

Product features

When requiring urgent hospital treatment as the result of an accident, the Accident Benefit can boost extras limits (subject to eligibility criteria).

Other services

Includes access to Blua Online Doctor Appointments. We pay 100% of the cost for eligible consults only, up to a yearly limit of 3 services per person. Benefits are not payable for services listed on the Medicare Benefits Schedule (MBS). 2-months waiting period, eligibility criteria, terms and conditions apply. 100% of travel expenses up to $200 per person, and $75 per night of accommodation fees up to $300 per person for essential hospital or medical treatment where the total return distance is 200km or more from home. Where applicable, benefits are paid under Hospital cover only (you cannot claim under both Hospital and Extras for the same trip). 2-months waiting period and eligibility criteria apply. Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), and Counselling (including Indigenous Counselling). Sub-limits apply for Digital Mental Health. Orthotics and other health aids are payable under the Health Appliances category up to $1000 per year. Sub-limits and restrictions apply. 100% cover for laser eye surgery by Bupa recognised providers. Excludes lens implant for eye correction and wavefront scans. A 3 year waiting period applies for new members joining this policy.

Special features

Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice. Home nursing covers selected services. Dietary covers consultations only. Two fully custom-made orthoses (one pair) are payable once per person per calendar year. Blood Glucose monitors are payable once per year. Hearing Aids are payable once every 3 years. Dentures payable once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months. Pharmacy benefit paid after current PBS patient contribution deducted.

Frequently asked questions

How much does Gold Ultimate Health Cover pay for a scale and clean?

According to government data, Gold Ultimate Health Cover pays up to $90.45 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for Gold Ultimate Health Cover?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 12 months, Blood glucose monitors 12 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months.

Can Gold Ultimate Health Cover be bought on its own?

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

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