Top Hospital

Top Hospital

Your Cover





* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .

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Top Hospital Gold

Top-of-the-class care

Top Hospital is (unsurprisingly) our highest level of Hospital cover. It includes big ticket items like pregnancy and birth, heart procedures and hip or knee joint replacements – with no exclusions or restrictions. Your excess options are: $0, $300 or $500.

Learn how we help Teachers Health members avoid, or minimise, out-of-pocket expenses for doctors’ costs and hospital bills.


Not Covered

Scope of cover

Additional Information
Accommodation – shared and private room (where available)
Theatre fees, intensive care fees
Labour ward fees
Shared room
Private room (where available)
Services for which a Medicare benefit is not payable e.g. cosmetic surgery & laser eye surgery

Compare your cover

To see if you can save, compare any other cover with ours in just minutes.

Important info

What you need to know about waiting periods and choosing an excess.

Waiting periods

To keep health insurance fair for everyone, you may need to wait for a while before you can claim.

This can happen if you:

  • are new to private health insurance.
  • upgrade your cover to include things that weren’t covered before.
  • upgrade your cover when you join from another health fund.

If you’re switching to Teachers Health from another fund, join us within 60 days to avoid re-serving any applicable waiting periods.

Standard Hospital waiting periods:

Pre-existing conditions* 12 months
Pregnancy & birth related services 9 months
Psychiatric, rehabilitation and palliative care 2 months
All other hospital services 2 months
Emergency ambulance transport 1 day
Non-emergency ambulance transport 1 day


Choosing an excess

A higher excess can keep your membership costs down. The excess is an agreed amount that you pay directly to the hospital on your admission. You only pay the total excess once per person, per calendar year (if you claim on your Hospital cover that year). There’s no excess for any kids on your cover, if they’re under 32. 

Services not recognised by Medicare

You won't be covered for services that aren't eligible for a Medicare benefit. This includes non-medically required treatments or services provided by and not limited to, dentists, podiatrists and, cosmetic or podiatric surgeons.