Your quote:
No Hospital + No Extras
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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.

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Comfort and care

Enjoy the flexibility of choosing your own doctor and which hospital you would like to attend.
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Reduced medical costs

Enjoy lower or no out-of-pocket costs for in hospital specialist/doctor fees with Access Gap Cover.
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Gold standard

Experience complete peace of mind with all 38 treatment categories covered at contracted hospitals.

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.

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We make managing your health insurance easy with our app

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Get great value cover you won't regret with quality inclusions

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We have an extensive network of contracted private hospitals

Do you need a hand choosing the right cover?

Help us understand your needs and in just 20 seconds we'll match you with the perfect health cover.

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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.

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For 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.

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We 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.

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A 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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