Unique premium hospital cover that pays a medical gap benefit based on the AMA list of medical services and fees
- Top Cover Gold is Doctors’ Health Fund's best coverage for the full range of inpatient services eligible for Medicare benefits. It pays up to the Australian Medical Associations (AMA) List of medical services and fees and is unmatched by any other health insurer.
- Unlike most other medical gap schemes there is no requirement for your doctor to opt-in to this scheme, so you have complete freedom of who treats you.
- Top Cover Gold has no excess and no exclusions or restrictions on services where Medicare pays a benefit. It also includes national cover for emergency and medically-necessary ambulance services, including transfers between hospitals.
- Gap Cover: AMA Gap
There are other important things to know about when considering health cover, like waiting periods and pre-existing conditions.