Hospital + ExtrasClosed

Gold Hospital & Premier Extras

A Hospital + Extras product from HCi. 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 (26)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $35 Scale and clean (114): $83 Fluoride (121): $25 Extraction (322): $161	$1,650 a year
Major dental	12 months	Full crown, veneered (615): $800	$1,650 a yearShared with Root canal (endodontics), Orthodontics (braces)
Root canal (endodontics)	12 months	Root canal obturation (417): $179	$1,650 a yearShared with Major dental, Orthodontics (braces)
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$1,650 a yearShared with Major dental, Root canal (endodontics)
Glasses and contact lenses	6 months	Single vision lenses and frames: $300 Multifocal lenses and frames: $300	$300 a year
Non-PBS prescription medicines	2 months	Per prescription: $100	$1,000 a year
Physiotherapy	2 months	Initial visit: $40 Subsequent visit: $40	$750 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: $33 Subsequent visit: $33	$500 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine, Osteopathy
Podiatry	2 months	Initial visit: $45 Subsequent visit: $45	$1,000 a yearShared with Dietetics, Orthoptics, Occupational therapy, Orthotics, Speech therapy
Psychology	2 months	Initial visit: $65 Subsequent visit: $65	$250 a year
Acupuncture	2 months	Initial visit: $33 Subsequent visit: $33	$500 a yearShared with Chiropractic, Remedial massage, Chinese herbal medicine, Osteopathy
Remedial massage	2 months	Initial visit: $33 Subsequent visit: $33	$500 a yearShared with Chiropractic, Acupuncture, Chinese herbal medicine, Osteopathy
Hearing aids	36 months	Per hearing aid: $1,000	$2,000 a year
Blood glucose monitors	12 months	Blood glucose monitor: $500	$500 a year
Audiology (hearing tests)	2 months	Initial visit: $50 Subsequent visit: $50	$200 a year
Chinese herbal medicine	2 months	Initial visit: $33 Subsequent visit: $33	$500 a yearShared with Chiropractic, Acupuncture, Remedial massage, Osteopathy
Dietetics	2 months	Initial visit: $40 Subsequent visit: $40	$1,000 a yearShared with Podiatry, Orthoptics, Occupational therapy, Orthotics, Speech therapy
Exercise physiology	2 months	Initial visit: $40 Subsequent visit: $40	$750 a yearShared with Physiotherapy
Orthoptics	2 months	Initial visit: $40 Subsequent visit: $40	$1,000 a yearShared with Podiatry, Dietetics, Occupational therapy, Orthotics, Speech therapy
Health management programs	2 months	Health management program: $180	$350 a year
Home nursing	2 months	Initial visit: $50 Subsequent visit: $50	$500 a year
Occupational therapy	2 months	Initial visit: $40 Subsequent visit: $40	$1,000 a yearShared with Podiatry, Dietetics, Orthoptics, Orthotics, Speech therapy
Orthotics	2 months	Per pair of orthotics: $260	$1,000 a yearShared with Podiatry, Dietetics, Orthoptics, Occupational therapy, Speech therapy
Osteopathy	2 months	Initial visit: $33 Subsequent visit: $33	$500 a yearShared with Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine
Speech therapy	2 months	Initial visit: $50 Subsequent visit: $50	$1,000 a yearShared with Podiatry, Dietetics, Orthoptics, Occupational therapy, Orthotics
Vaccinations	2 months	Per vaccination: $30	$250 a year

Not covered: Antenatal and postnatal care

Annual limits

Services in the same group share one limit.

General dental
$1,650 a year
Major dental, Root canal (endodontics), Orthodontics (braces)
$1,650 a year
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$1,000 a year
Physiotherapy, Exercise physiology
$750 a year
Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Osteopathy
$500 a year
Podiatry, Dietetics, Orthoptics, Occupational therapy, Orthotics, Speech therapy
$1,000 a year
Psychology
$250 a year
Hearing aids
$2,000 a year, 2 per 3 years
Blood glucose monitors
$500 a year, 1 per 3 years
Audiology (hearing tests)
$200 a year
Home nursing
$500 a year
Health management programs
$350 a year
Vaccinations
$250 a year

Insurer's notes (original English)

Other services

Group physio/hydrotherapy session $20 per service. Flu vaccination 1 per calendar year $30 per service. Other eligible vaccines $100 per service. For eligible medicinal cannabis prescriptions a 12 month waiting period applies.

Special features

A 12 month waiting period applies to eligible medicinal cannabis prescriptions.

Frequently asked questions

How much does Gold Hospital & Premier Extras pay for a scale and clean?

According to government data, Gold Hospital & Premier Extras pays up to $83 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $1,650 a year.

What are the waiting periods for Gold Hospital & Premier Extras?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 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 36 months, Blood glucose monitors 12 months, Audiology (hearing tests) 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 2 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can Gold Hospital & Premier Extras be bought on its own?

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

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