Better value health cover? We’re with you.

Peace of mind for every stage of life

Whether you’re managing complex health needs, or entering your twilight years, Top Cover Gold hospital cover is designed to grow with you. With no exclusions or restrictions, it provides access to all inpatient services eligible for Medicare benefits, including essential treatments like joint cardiac, joint replacements and endoscopies. Plus, enjoy national cover for emergency and medically necessary ambulance services.

What sets Top Cover Gold apart is its unmatched medical gap benefit, paying up to AMA rates¹ so you avoid out-of-pocket expenses when your doctors charge within these fees. Now with $0 and $750 excess options, you can tailor your premium to suit your budget while maintaining comprehensive coverage.

Why Top Cover Gold is one of a kind

Top Cover Gold redefines premium hospital cover by offering features no other insurer in Australia provides. It pays a medical gap benefit based on the AMA list of medical services and fees, ensuring no hidden costs or surprises. Alongside full hospital accommodation benefits (after any excess), it provides access to all inpatient services eligible for Medicare benefits, with no exclusions or restrictions.

With flexibility at its core, Top Cover Gold adapts to your needs - whether you want a better coverage for your families, managing ongoing health concerns, or planning for later life. This unmatched combination of coverage, affordability, and peace of mind makes it truly one of a kind.

To discuss the right cover for you, contact our expert team on 1800 226 126 for an individual quote.

We know that price isn’t everything, that’s why we’re made for so much more.

As part of Avant, we are ultimately owned by doctors and are proudly member focused. Here are just a few reasons to join us:

• We are highly rated by our members, with a 94% member satisfaction rating in 2024².
• Market leading gap cover with 93% of medical services covered with no gap compared to an industry average of 87.7%³.
• We value freedom of choice with no restrictive preferred provider networks for extras.
• We support your needs as a consumer and as a medical professional, with medical benefits up to AMA list of medical services and fees on Top Cover Gold hospital cover, now with a $750 excess option.
• We’re part of Members Health Fund Alliance, a peak industry body for private health insurers that put their members’ health and wellbeing before profits.

¹ Excess payable once per person per calendar year, up to a maximum of $1,500 per family or single parent policy. When treated in a contracted hospital for inpatient hospital services where a Medicare benefit is payable and any applicable waiting periods have been served. Out-of-pocket expenses could arise during your hospital stay for items not covered under our health insurance hospital policies such as telephone calls or newspapers, take home prescribed medication or non-health-related charges applied by the hospital. You may need to pay out-of-pocket expenses if your doctor charges above the AMA list of medical services and fees. Waiting periods apply to claim benefits up to the AMA fees.

² Annual member satisfaction survey, October 2024

³ Private Health Insurance Ombudsman, State of the health funds report 2024, Ombudsman’s website

IMPORTANT: Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, (ACN 001 417 527). Cover is subject to the terms and conditions (including waiting periods, limitations and exclusions) of the individual policy, available at www.doctorshealthfund.com.au/our-cover © Avant Mutual Group Limited 2025.