Hospital + ExtrasClosed

Gold Complete Hospital & Top Extras

A Hospital + Extras product from Phoenix Health Fund. 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 (24)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $36.50 Scale and clean (114): $69 Fluoride (121): $24	No annual limit
Major dental	12 months	Extraction (322): $160 Full crown, veneered (615): $875	$2,000 a year
Root canal (endodontics)	2 months	Root canal obturation (417): $170	$800 a year
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 80% of the fee	$1,200 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 80% of the fee Multifocal lenses and frames: 80% of the fee	$310 a year
Non-PBS prescription medicines	2 months	Per prescription: $70	$500 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $50 Subsequent visit: $37	$800 a yearShared with Remedial massage, Exercise physiology
Chiropractic	2 months	Initial visit: $40 Subsequent visit: $30	$450 a yearShared with Acupuncture, Osteopathy
Podiatry	2 months	Initial visit: $44 Subsequent visit: $34	$400 a yearShared with Orthotics
Psychology	2 months	Initial visit: $75 Subsequent visit: $75	$500 a year
Acupuncture	2 months	Initial visit: $25 Subsequent visit: $25	$450 a yearShared with Chiropractic, Osteopathy
Remedial massage	2 months	Initial visit: $32 Subsequent visit: $25	$800 a yearShared with Physiotherapy, Exercise physiology
Hearing aids	12 months	Per hearing aid: $900	$1,700 a year
Blood glucose monitors	2 months	Blood glucose monitor: 80% of the fee	$900 a year
Dietetics	2 months	Initial visit: $60 Subsequent visit: $40	$300 a year
Exercise physiology	2 months	Initial visit: $40 Subsequent visit: $30	$800 a yearShared with Physiotherapy, Remedial massage
Orthoptics	2 months	Initial visit: $45 Subsequent visit: $44	$500 a yearShared with Occupational therapy, Speech therapy
Health management programs	2 months	Health management program: 80% of the fee	$150 a year
Home nursing	2 months	Initial visit: $15 Subsequent visit: $15	$500 a year
Occupational therapy	2 months	Initial visit: $60 Subsequent visit: $40	$500 a yearShared with Orthoptics, Speech therapy
Orthotics	2 months	Per pair of orthotics: 80% of the fee	$400 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: $40 Subsequent visit: $30	$450 a yearShared with Chiropractic, Acupuncture
Speech therapy	2 months	Initial visit: $85 Subsequent visit: $45	$500 a yearShared with Orthoptics, Occupational therapy
Vaccinations	2 months	Per vaccination: $70	$500 a yearShared with Non-PBS prescription medicines

Not covered: Audiology (hearing tests), Chinese herbal medicine, Antenatal and postnatal care

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Also includes other services not listed
Major dental
$2,000 a year
Also includes other services not listed
Root canal (endodontics)
$800 a year
Orthodontics (braces)
$1,200 a year, $2,400 lifetime
Glasses and contact lenses
$310 a year
Non-PBS prescription medicines, Vaccinations
$500 a year
Physiotherapy, Remedial massage, Exercise physiology
$800 a year
Also includes other services not listed
Chiropractic, Acupuncture, Osteopathy
$450 a year
Also includes other services not listed
Podiatry, Orthotics
$400 a year
Psychology
$500 a year
Also includes other services not listed
Hearing aids
$1,700 a year, 2 per 5 years
Blood glucose monitors
$900 a year
Also includes other services not listed
Dietetics
$300 a year
Orthoptics, Occupational therapy, Speech therapy
$500 a year
Health management programs
$150 a year
Also includes other services not listed
Home nursing
$500 a year

Insurer's notes (original English)

Other services

**Overall Major Dental limit $2000, with Sub Limits of $1000 for Inlays, Onlays & Veneers; $1000 for Crowns & Bridges; $1000 for Implants and $1000 for Dentures. Orthodontics limit of $1200 per person per year, up to Lifetime Limit of $2400.

Special features

*100% benefit available on preventative dental services- includes items 012, 013, 111, 114, 115, 121, 161. Claimable once per appointment, up to twice per person per calendar year.

Frequently asked questions

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

According to government data, Gold Complete Hospital & Top Extras pays up to $69 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 Complete Hospital & Top Extras?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 2 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 12 months, Blood glucose monitors 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 Complete Hospital & Top Extras be bought on its own?

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

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching