$750 excess per policy · pregnancy yes · psychiatric yes · joints yes
$280.00/mo
$3,360.00/yr before rebate
Hospital + extras · Gold · Single · New South Wales · release 2026-10-01 · ranked 2026-11-09
St Lukes Gold Hospital 500 and Super Extras
$485.60 a month before the government rebate for a single in New South Wales: Gold hospital-and-extras cover with a $500 excess per person, from the Private Health Insurance Ombudsman's release dated 2026-10-01, ranked 2026-11-09.
38 of 38 categories coveredpregnancy coveredGo to St LukesAll 93 Gold hospital-and-extras policies for a single in New South Wales, from $280.00 a month
Health insurance check · step 1 of 9
Do you have Medicare?
The policies here are for Medicare card holders. Visitors and students need overseas visitor or student cover, which is a different product.
Yes, a Medicare cardReciprocal Medicare (visitor from a reciprocal country)Temporary visa, no MedicareInternational studentNo Medicare
Tap one to begin. 7 more questions and your details, then every option for you, cheapest first. Open the check
In one line
St Lukes's Gold Hospital 500 and Super Extras is hospital + extras at the Gold tier for a single in New South Wales, ranked 47 of 93 open Gold hospital-and-extras policies for that household in the state (46 cheaper and 46 dearer) with 38 of 38 clinical categories covered and 0 restricted, published at $485.60 a month before the government rebate, or about $368.48 after the 24.118% rebate for under-65s on the base income tier (up to $105,000, 1 July 2026 to 31 March 2027), with a $500 excess per person, as published to the Private Health Insurance Ombudsman in its monthly open-data release dated 2026-10-01, read and ranked by OpenStream on 2026-11-09.
At 65 to 69 the same rebate brings it to about $348.96 a month and from 70 to $329.44; every income tier is in the table below, and the 93 Gold policies for a single are ranked on the tier page. Lifetime Health Cover loading adds 2% for each year over 30 where hospital cover starts after the 1 July following the 31st birthday, up to 70%.
46 cheaper Gold hospital-and-extras policies in New South Wales · Every St Lukes tier, by state · Regulator's statement (PHIS)
The answers above this page
After the government rebate
$485.60 a month less the share the government pays, by the age of the oldest person on the policy and the household's income tier (PrivateHealth.gov.au, 1 July 2026 to 31 March 2027; singles' thresholds). Claim it as a lower premium through the insurer or at tax time; any Lifetime Health Cover loading is added on top.
| Oldest person | Up to $105,000 | $105,001 to $123,000 | $123,001 to $164,000 | $164,001 and over |
|---|---|---|---|---|
| Under 65 | $368.48 · 24.118% off | $407.52 · 16.079% off | $446.57 · 8.038% off | $485.60 · 0% off |
| 65 to 69 | $348.96 · 28.139% off | $388.00 · 20.098% off | $427.05 · 12.058% off | $485.60 · 0% off |
| 70 and over | $329.44 · 32.158% off | $368.48 · 24.118% off | $407.52 · 16.079% off | $485.60 · 0% off |
The record, as published
Per month, before the Australian Government rebate and any Lifetime Health Cover loading.
| Premium per month, before rebate | $485.60 |
|---|---|
| Hospital component | $356.10 |
| Excess per person / per policy | $500 / $500 |
| Tier | Gold |
| Who is covered | Single |
| Pregnancy and birth | Covered |
| Hospital psychiatric | Covered |
| Joint replacements | Covered |
| Cataracts | Covered |
| Clinical categories | 38 covered, 0 restricted, 0 excluded of 38 |
| Waiting: pre-existing / pregnancy | 12 / 12 months |
| Ambulance | None |
| Age-based discount | no |
| Medicare Levy Surcharge exempt | yes |
| Product code · issued | J6B/NAFY10 · 2026-04-01 |
Hospital clinical categories
The regulator's 38 categories. Covered means the policy pays as a private patient; restricted means limited benefits as a private patient in a public hospital only.
- Assisted reproductive servicesCovered
- Back, neck and spineCovered
- BloodCovered
- Bone, joint and muscleCovered
- Brain and nervous systemCovered
- Breast surgery (medically necessary)Covered
- CataractsCovered
- Chemotherapy, radiotherapy and immunotherapy for cancerCovered
- Dental surgeryCovered
- Diabetes management (excluding insulin pumps)Covered
- Dialysis for chronic kidney failureCovered
- Digestive systemCovered
- Ear, nose and throatCovered
- Eye (not cataracts)Covered
- Gastrointestinal endoscopyCovered
- GynaecologyCovered
- Heart and vascular systemCovered
- Hernia and appendixCovered
- Hospital psychiatric servicesCovered
- Implantation of hearing devicesCovered
- Insulin pumpsCovered
- Joint reconstructionsCovered
- Joint replacementsCovered
- Kidney and bladderCovered
- Lung and chestCovered
- Male reproductive systemCovered
- Miscarriage and termination of pregnancyCovered
- Pain managementCovered
- Pain management with deviceCovered
- Palliative careCovered
- Plastic and reconstructive surgery (medically necessary)Covered
- Podiatric surgery (by a registered podiatric surgeon)Covered
- Pregnancy and birthCovered
- RehabilitationCovered
- SkinCovered
- Sleep studiesCovered
- Tonsils, adenoids and grommetsCovered
- Weight loss surgeryCovered
Extras services
The regulator's 27 general treatment services, with the waiting period in months where the policy covers the service. Benefit limits are on the insurer's own statement.
- General dentalCovered · 2 mo wait
- Major dentalCovered · 12 mo wait
- EndodonticCovered · 12 mo wait
- OrthodonticCovered · 12 mo wait
- OpticalCovered · 6 mo wait
- Non-PBS pharmaceuticalsCovered · 2 mo wait
- PhysiotherapyCovered · 2 mo wait
- ChiropracticCovered · 2 mo wait
- PodiatryCovered · 2 mo wait
- PsychologyCovered · 2 mo wait
- AcupunctureCovered · 2 mo wait
- Remedial massageCovered · 2 mo wait
- Hearing aidsCovered · 36 mo wait
- Glucose monitorCovered · 12 mo wait
- AudiologyCovered · 2 mo wait
- Antenatal and postnatalCovered · 2 mo wait
- Chinese herbal medicineCovered · 2 mo wait
- DieteticsCovered · 2 mo wait
- Exercise physiologyCovered · 2 mo wait
- OrthopticsCovered · 2 mo wait
- Health management programsNot covered
- Home nursingCovered · 2 mo wait
- Occupational therapyCovered · 2 mo wait
- OrthoticsCovered · 12 mo wait
- OsteopathyCovered · 2 mo wait
- Speech therapyCovered · 2 mo wait
- VaccinationsNot covered
Against the other 92 Gold policies for a single in NSW
Same tier, same household, same state. Cheapest first; each insurer's own page is the button.
1 Go to GU Health2 $500 excess · pregnancy yes · psychiatric yes · joints yes · restricted membershipGo to Defence Health Limited$290.31/mo$3,483.72/yr before rebate3 $250 excess · pregnancy yes · psychiatric yes · joints yes · restricted membershipGo to Defence Health Limited$319.48/mo$3,833.76/yr before rebate4 $150 excess · pregnancy yes · psychiatric yes · joints yesGo to St Lukes$320.80/mo$3,849.60/yr before rebate5 no excess · pregnancy yes · psychiatric yes · joints yes · restricted membershipGo to Defence Health Limited$337.01/mo$4,044.12/yr before rebate6 
$750 excess · pregnancy yes · psychiatric yes · joints yes · restricted membershipGo to Navy Health Ltd$337.62/mo$4,051.44/yr before rebate7 no excess · pregnancy yes · psychiatric yes · joints yesGo to St Lukes$344.60/mo$4,135.20/yr before rebate8 $500 excess · pregnancy yes · psychiatric yes · joints yes · restricted membershipGo to Teachers Health$347.89/mo$4,174.68/yr before rebate
Questions for a single in New South Wales, answered from the same release
Important information
General information only. Not advice.
- Every premium on these pages is the figure the insurer publishes to the Private Health Insurance Ombudsman's PrivateHealth.gov.au data, release dated 01-Oct-2026, shown per month before the Australian Government rebate and before any Lifetime Health Cover loading. What you pay depends on your income tier, your age when you first took hospital cover, your state and the excess you choose. It can be lower or higher than the figure shown.
- OpenStream does not consider your health, your circumstances or your needs. A cheaper policy may exclude a service you will need; waiting periods, excesses, co-payments, hospital agreements and age-based discounts differ by policy. Read the insurer's Private Health Information Statement (PHIS) before deciding; every policy here links to the regulator's record.
- OpenStream is not a registered health insurer, does not sell insurance and does not arrange cover. Links to insurers go to the insurer's own website. We receive no payment from any health insurer at the date shown; if that changes, it will be stated on this page and on the methodology page, and it will never change the order policies appear in, which is by published premium alone.
- Private health insurance is not a financial product under section 765A(1)(c) of the Corporations Act 2001, so this comparison is not a financial service and OpenStream does not hold an Australian financial services licence. If you want personal advice, speak to the insurer or a licensed adviser.
- Source: PrivateHealth.gov.au open data, published by the Private Health Insurance Ombudsman on data.gov.au under Creative Commons Attribution 3.0 Australia. Products closed to new members are not shown. Figures are reproduced, not estimated.
General information only, not advice. OpenStream is not an insurer, not a broker and holds no Australian financial services licence. It does not sell, arrange or recommend insurance, and nothing here is a recommendation or a quote. Everything on this page is built from public sources - regulators, government bodies and the providers' own published material - each named and dated where it is used, so you can check it yourself. It does not take account of your circumstances. How OpenStream works · Corrections and complaints