Why choose Gold Hospital
Enjoy shorter hospital wait times and a high level of care with Australian private hospitals. Combine it with one of our extras covers and unlock your Active Health Bonus* to spend on extras out-of-pocket expenses. *Bonus is not available with Basic Extras.
Comfort and care
Reduced medical costs
Gold standard
What's covered with Gold Hospital
Our hospital covers include; medically necessary inpatient treatment, accommodation, theatre fees, intensive care and hospital medication.
Hospital psychiatric services
Weight loss surgery
Heart and vascular system
Back, neck and spine
Joint replacements
Digestive system
Pregnancy and birth
Gastrointestinal endoscopy
Hernia and appendix
Kidney and bladder
Lung and chest
Blood
Bone, joint, muscle
Brain and nervous system
Chemotherapy, radiotherapy and immunotherapy for cancer
Dialysis for chronic kidney failure
Insulin pumps
Diabetes management (excluding insulin pumps)
SEE ALL INCLUSIONS
What's not covered with Gold Hospital
There are no excluded services on this cover, however out-of-pocket costs may arise for some procedures such as robotic surgery, high-cost pharmacy or consumable items, or fees charged by medical professionals.
Why trust us with your health
As a not-for-profit and member-owned fund we understand our members needs and provide outstanding local customer service to union members and their families.
We make managing your health insurance easy with our app
Get great value cover you won't regret with quality inclusions
We have an extensive network of contracted private hospitals
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Download guides
This cover has a $500 excess to reduce premium costs. For more information on limits, waiting periods and pre-existing conditions please see the product guide.
FAQs
Access Gap Cover is available with all Union Health hospital policies and aims to eliminate or cap out-of-pocket medical costs incurred during hospital admission. Medical costs are the fees your specialist or doctor charges you for your hospital treatment.
Find out moreFor new members or members upgrading their cover, a two month waiting period applies for all hospital services and home care programs. With the exception of pre-existing conditions, and pregnancy and birth, which have a 12 month waiting period.
Find out moreWe have a network of contracted private hospitals that allows members to access covered services without additional costs. However, hospital contracts may vary and staying in a non-contracted hospital may incur out-of-pocket expenses. You can view our contracted hospitals below.
Find out moreA pre-existing condition is an ailment or illness that existed before starting or upgrading your hospital cover. Even if the condition had not yet been diagnosed.
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