Compare Covers

Choose from options designed to suit the needs of people at different stages in their lives.

Inclusions Exclusions

Starter Extras

Entry level

$39.49monthly¹

Entry-level extras cover available to singles and couples, when combined with Smart Starter Bronze Plus hospital cover.

Only available with Smart Starter Bronze Plus

More details

Essential Extras

Mid-range

$75.21monthly¹

Mid-level extras cover with a substantial list of benefits, including generous dental and optical cover.

More details

Total Extras

Comprehensive

$122.97monthly¹

High-end extras cover offering a range of premium benefits, including major dental cover and high annual claim limits.

More details

Aids and appliances

Devices such as blood glucose monitors and CPAP machines, where the use of the item is recommended by a registered health practitioner for a health condition and the item was supplied within Australia.

Covered75% of the costCombined annual limit: $150

Covered75% of the cost. Sub-limits apply.Annual limit: $500

Covered75% of the cost. Sub-limits apply.Annual limit: $1,000

Dietetics

Services provided by a registered dietician focusing on the diet and nutrition, and their effects on health.

Covered$35 first visit in calendar year $30 per subsequent visitCombined annual limit: $600

Covered$50 first visit in calendar year, $35 per subsequent visitAnnual sub-limit: $500

Covered$65 first visit in calendar year, $40 per subsequent visitAnnual sub-limit: $600

Exercise physiology

Clinical exercise interventions and lifestyle programming to prevent and/or manage chronic medical conditions, injury and disability.

CoveredIndividual: $25 per visit Group: $10 per visitCombined annual limit: $600

CoveredIndividual: $30 per visit Group: $10 per visitAnnual sub-limit: $500

CoveredIndividual: $35 per visit Group: $10 per visitCombined annual limit: $700

General dental services

Diagnostic and preventative dental services including checkups, fissure sealings, bitewing x-rays and simple fillings. Extractions and tooth whitening are also included in Essential Extras and Total Extras.

Covered100% of the cost for the first checkup~, 50% of the cost for subsequent checkups and most other dental services.Annual limit: $800

Covered100% of the cost of up to 2 checkups~ and fissure sealings, and fixed benefits for additional checkups and most other items. Service limits apply for tooth whitening.Combined annual limit: $1,600

Covered100% of the cost of checkups~, fissure sealings and bitewing x-rays, fixed benefits for most other items. Service limits apply for tooth whitening.Annual limit: Unlimited

Health management

Treatments to manage a specific health condition diagnosed by a registered medical practitioner, who is not related to you.

For policies with more than one person insured (e.g., couple), there is policy limit of $300.

Covered75% of the costAnnual limit: $150

Covered75% of the costAnnual limit: $200

Covered75% of the costAnnual limit: $250

Hearing aids

Devices to manage hearing loss and assist with listening, communication and participation in daily activities.

Not covered

Covered$400 left hearing aid $400 right hearing aidAnnual limit: $400 per ear every 5 years

Covered$800 left hearing aid $800 right hearing aidAnnual limit: $800 per ear every 5 years

Home nursing

Home care (also known as domiciliary care, social care or in-home care) provided in the home by a registered nurse not already subsidised by any government agency.

Not covered

Covered$30 per visit up to 6 hours, $60 per visit over 6 hoursAnnual limit: $600

Laser eye surgery

Corrective surgery used to treat a range of conditions including blurred vision and misshapen cornea.

Not covered

Covered$800 left eye $800 right eyeAnnual limit: $800 per eye every 5 years

Major dental services

Complex dental procedures including major dental restorations, endodontics, periodontics, crowns, bridges, dentures, prosthodontics and orthodontics.

Not covered

CoveredFixed benefits paid for most items except for orthodontics which pays 100% of the cost up to the accrued limit at time of serviceCombined annual limit: $1,600

CoveredFixed benefits paid for most items except for orthodontics which pays 100% of the cost up to the accrued limit at time of serviceAnnual limit: Fixed per type

Mental health services

Psychology and counselling services with a registered practitioner to assist with physical, emotional and mental health concerns to improve a sense of self and wellbeing.

Covered$100 per visitCombined annual limit: $600

Covered$100 per visitAnnual sub-limit: $700

Covered$100 per visitAnnual limit: $900

Non-PBS pharmaceuticals

Prescription medication not covered by the Pharmaceutical Benefits Scheme (PBS) and immunisations, including those needed for travel.

Covered85% of the cost covered above the PBS to a maximum of $20 per prescription (sub-limits apply).Combined annual limit: $150

Covered85% of the cost covered above the PBS to a maximum of $40 per prescription (sub-limits apply).Combined annual limit: $300.

Covered85% of the cost covered above the PBS to a maximum of $70 per prescription (sub-limits apply).Combined annual limit: $600.

Occupational and speech therapy

Assessment and treatment of speech, swallowing and communication disorders or the treatment of ailments impacting everyday activities.

Covered$45 first visit in calendar year, $35 per subsequent visitCombined annual limit: $600

Covered$50 first visit in calendar year, $40 per subsequent visitAnnual sub-limit: $500

Covered$65 first visit in calendar year, $45 per subsequent visitAnnual sub-limit: $600

Optical

Your choice of contact lenses, frames fitted with prescription lenses and optical repairs.

Covered100% of the costAnnual limit: $300 every 2 years

Covered100% of the costAnnual limit: $500 every 2 years

Covered100% of the costAnnual limit: $700 every 2 years

Orthoptics

Assessment, diagnosis and non-surgical management of eye disorders.

Covered$30 per visitCombined annual limit: $600

Covered$50 first visit in calendar year, $35 per subsequent visitAnnual sub-limit: $500

Covered$65 first visit in calendar year, $40 per subsequent visitAnnual sub-limit: $600

Physiotherapy

Joint and muscle movement therapy, education or advice for injury or disease management including individual physiotherapy, group physiotherapy and hydrotherapy but excluding class physiotherapy.

CoveredIndividual: $45 first visit in calendar year, $35 per subsequent visit. Group: $15 per visit Hydrotherapy: $15 per visitCombined annual limit: $600

CoveredIndividual: $50 first visit in calendar year, $35 per subsequent visit Group: $20 per visit Hydrotherapy: $20 per visitAnnual sub-limit: $500

CoveredIndividual: $75 first visit in calendar year, $50 per subsequent visit Group: $20 per visit Hydrotherapy: $20 per visitCombined annual limit: $700

Podiatry

Assessment and treatment of conditions affecting the feet and lower limbs. Outpatient podiatric surgery is excluded.

Covered$40 first visit in calendar year, $30 per subsequent visit. $100 per pair for orthotics (up to 2 pairs per year).Combined annual limit: $600

Covered$50 first visit in calendar year, $35 per subsequent visit. $150 per pair for orthotics (up to 2 pairs per year).Annual sub-limit: $500

Covered$65 first visit in calendar year, $40 per subsequent visit. $200 per pair for orthotics (up to 2 pairs per year).Annual sub-limit: $600

Pregnancy care

Midwifery, pre-natal and/or post-natal classes or consultations including pelvic floor physiotherapy, breastfeeding consultations or parenting classes performed by a nurse, midwife or physiotherapist.

Not covered

Covered$50 first visit in calendar year, $30 per subsequent visitAnnual sub-limit: $500

Covered$65 first visit in calendar year, $35 per subsequent visitAnnual sub-limit: $600

Remedial massage and myotherapy

Treatment and management of muscle tension or chronic pain through deep tissue and muscle massage.

Covered$35 first visit in calendar year, $25 per subsequent visitCombined annual limit: $600

Covered$40 first visit in a calendar year, $30 per subsequent visitAnnual sub-limit: $500

Covered$50 first visit in a calendar year, $35 per subsequent visitCombined annual limit: $700

Tests

Mammograms, ThinPrep tests, bone density and mole mapping when not subsidised by Medicare.

Not covered

Covered$60 per testCombined annual limit: $300

Covered$60 per testCombined annual limit: $600

More details

Annual limits are per person per calendar year except where otherwise stated.

~ Checkups limited to an examination, fluoride, scale and clean where the fees are within the range of usual, customary and reasonable charges.

Why Doctors' Health Fund?

Health insurance made for doctors and your families. Enjoy better value Gold hospital cover, with Prime Choice Gold costing less than Gold hospital cover from the big health funds in most states and territories.²

Owned by doctors and part of Avant. The only health fund that can also support doctors professionally.
Top Cover Gold pays up to the AMA List, helping reduce out-of-pocket costs and support fairer fees for doctors.
Medical gap cover that is among the best in the industry.³
No preferred providers means you choose who treats you for your extras.⁴

Get a quote Why join?

Important notes

Back to footnote 1
Premium for a single in NSW including the base tier Australian Government rebate for under 65s.
Back to footnote 2
Based on a $750 excess. Comparison based on publicly available information for open Gold hospital policies of Doctors' Health Fund and Bupa, Medibank and HCF as at 1 April 2026. Premiums rounded up to nearest dollar and don’t include any applicable rebates or loadings.
Back to footnote 3
Private Health Insurance Ombudsman, State of the Health Funds Report 2025, Ombudsman’s website.
Back to footnote 4
Treatment must be delivered by a recognised provider.