Doctors Health Fund - Private Health Insurance Cover for Medical Professionals and their Family
Member LoginGet a quote
Doctors Health Fund - Private Health Insurance Cover for Medical Professionals and their Family
icon / callCreated with Sketch.

Top Cover Gold

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.

Top Cover

Gold

*
Get a quote
*This premium is for a single in NSW that includes the full Australian Government Rebate of .
Inclusions
This cover is fully comprehensive and has no exclusions or restrictions
Inclusions
This cover is fully comprehensive and has no exclusions or restrictions

Inclusions

Ambulance
down-open
Waiting period: 1 day
Ambulance
down-open
Waiting period: 1 day
Waiting period1 day
Rehabilitation
down-open
Waiting period: 2 months
Rehabilitation
down-open
Waiting period: 2 months
Waiting period2 months
Hospital psychiatric services
down-open
Waiting period: 2 months
Hospital psychiatric services
down-open
Waiting period: 2 months
Waiting period2 months
Palliative care
down-open
Waiting period: 2 months
Palliative care
down-open
Waiting period: 2 months
Waiting period2 months
Brain and nervous system
down-open
Waiting period: 2 months
Brain and nervous system
down-open
Waiting period: 2 months
Waiting period2 months
Eye (not cataracts)
down-open
Waiting period: 2 months
Eye (not cataracts)
down-open
Waiting period: 2 months
Waiting period2 months
Ear, nose and throat
down-open
Waiting period: 2 months
Ear, nose and throat
down-open
Waiting period: 2 months
Waiting period2 months
Tonsils, adenoids and grommets
down-open
Waiting period: 2 months
Tonsils, adenoids and grommets
down-open
Waiting period: 2 months
Waiting period2 months
Bone, joint and muscle
down-open
Waiting period: 2 months
Bone, joint and muscle
down-open
Waiting period: 2 months
Waiting period2 months
Joint reconstructions
down-open
Waiting period: 2 months
Joint reconstructions
down-open
Waiting period: 2 months
Waiting period2 months
Kidney and bladder
down-open
Waiting period: 2 months
Kidney and bladder
down-open
Waiting period: 2 months
Waiting period2 months
Male reproductive system
down-open
Waiting period: 2 months
Male reproductive system
down-open
Waiting period: 2 months
Waiting period2 months
Digestive system
down-open
Waiting period: 2 months
Digestive system
down-open
Waiting period: 2 months
Waiting period2 months
Hernia and appendix
down-open
Waiting period: 2 months
Hernia and appendix
down-open
Waiting period: 2 months
Waiting period2 months
Gastrointestinal endoscopy
down-open
Waiting period: 2 months
Gastrointestinal endoscopy
down-open
Waiting period: 2 months
Waiting period2 months
Gynaecology
down-open
Waiting period: 2 months
Gynaecology
down-open
Waiting period: 2 months
Waiting period2 months
Miscarriage and termination of pregnancy
down-open
Waiting period: 2 months
Miscarriage and termination of pregnancy
down-open
Waiting period: 2 months
Waiting period2 months
Chemotherapy, radiotherapy and immunotherapy for cancer
down-open
Waiting period: 2 months
Chemotherapy, radiotherapy and immunotherapy for cancer
down-open
Waiting period: 2 months
Waiting period2 months
Pain management
down-open
Waiting period: 2 months
Pain management
down-open
Waiting period: 2 months
Waiting period2 months
Skin
down-open
Waiting period: 2 months
Skin
down-open
Waiting period: 2 months
Waiting period2 months
Breast surgery (medically necessary)
down-open
Waiting period: 2 months
Breast surgery (medically necessary)
down-open
Waiting period: 2 months
Waiting period2 months
Diabetes management (excluding insulin pumps)
down-open
Waiting period: 2 months
Diabetes management (excluding insulin pumps)
down-open
Waiting period: 2 months
Waiting period2 months
Heart and vascular system
down-open
Waiting period: 2 months
Heart and vascular system
down-open
Waiting period: 2 months
Waiting period2 months
Lung and chest
down-open
Waiting period: 2 months
Lung and chest
down-open
Waiting period: 2 months
Waiting period2 months
Blood
down-open
Waiting period: 2 months
Blood
down-open
Waiting period: 2 months
Waiting period2 months
Back, neck and spine
down-open
Waiting period: 2 months
Back, neck and spine
down-open
Waiting period: 2 months
Waiting period2 months
Plastic and reconstructive surgery (medically necessary)
down-open
Waiting period: 2 months
Plastic and reconstructive surgery (medically necessary)
down-open
Waiting period: 2 months
Waiting period2 months
Dental surgery
down-open
Waiting period: 2 months
Dental surgery
down-open
Waiting period: 2 months
Waiting period2 months
Podiatric surgery (provided by a registered podiatric surgeon)
down-open
Waiting period: 2 months
Podiatric surgery (provided by a registered podiatric surgeon)
down-open
Waiting period: 2 months
Waiting period2 months
Implantation of hearing devices
down-open
Waiting period: 2 months
Implantation of hearing devices
down-open
Waiting period: 2 months
Waiting period2 months
Cataracts
down-open
Waiting period: 2 months
Cataracts
down-open
Waiting period: 2 months
Waiting period2 months
Joint replacements
down-open
Waiting period: 2 months
Joint replacements
down-open
Waiting period: 2 months
Waiting period2 months
Dialysis for chronic kidney failure
down-open
Waiting period: 2 months
Dialysis for chronic kidney failure
down-open
Waiting period: 2 months
Waiting period2 months
Pregnancy and birth
down-open
Waiting period: 12 months
Pregnancy and birth
down-open
Waiting period: 12 months
Waiting period12 months
Assisted reproductive services
down-open
Waiting period: 2 months
Assisted reproductive services
down-open
Waiting period: 2 months
Waiting period2 months
Weight loss surgery
down-open
Waiting period: 2 months
Weight loss surgery
down-open
Waiting period: 2 months
Waiting period2 months
Insulin pumps
down-open
Waiting period: 2 months
Insulin pumps
down-open
Waiting period: 2 months
Waiting period2 months
Pain management with device
down-open
Waiting period: 2 months
Pain management with device
down-open
Waiting period: 2 months
Waiting period2 months
Sleep studies
down-open
Waiting period: 2 months
Sleep studies
down-open
Waiting period: 2 months
Waiting period2 months
'Top Cover Gold' Factsheet

Things you should know

Pre-existing conditions
Waiting periods
Gap Cover: AMA Gap Cover

You might also be interested in Extras Cover

Starter Extras

Entry-level extras cover perfectly suited to singles and couples when combined with Smart Starter Bronze Plus hospital cover.
More details

Essential Extras

Superior mid-range extras cover with a substantial list of benefits including generous dental and high-level optical cover.
More details

Total Extras

High-end extras cover offering a range of premium benefits including major dental cover and high annual claim limits per person.
More details
Doctors' Health Fund - Private Health Insurance Cover for Medical Professionals and their Family
© 2019 Doctors Health Fund
ABN 68 001 417 527
Get a quote