Hospital Cover

Gold hospital benefits

Fortunately, most of us are lucky enough to avoid hospital stays, however the need for hospital treatment can arise at any time, for you or your family. Our Gold Hospital Cover can give you the peace of mind to know that you are fully covered should you or your family ever need it.

Full cover description

How much will it cost?

Waiting periods & pre-existing conditions



  Gold Hospital Cover
Excess Nil
Public or Private Hospital
– shared or private room
Choice of doctor
Doctors bills (in hospital)
Medical Gap cover
Same day hospital accommodation
Intensive Care
Theatre fees
Drugs & Dressings
Recovery Room
Special nursing in hospital
Surgically implanted prostheses
Other Medicare Services (in hospital)
Cosmetic Surgery X
Services not covered by Medicare X
Co-payments Nursing home type patients only


Please keep in mind that waiting periods, including those for pre-existing conditions, may apply. 

What options are available for emergency or accident?

If a member or dependant is hospitalised as a result of an emergency, it is likely admission will be to a public hospital. Members covered by our Gold Hospital Cover can choose to be admitted as a ’private’ patient, have a right to choose their preferred doctor, and are covered for single room accommodation.

Elective surgery

If a member enters hospital for a non-life threatening procedure or for ‘elective’ surgery, they can choose either a public hospital or a private hospital with their choice of doctor and are covered for private room accommodation.

Agreement hospitals

The RBHS has agreements with most private hospitals in Australia. You can search our agreement hospitals list here.

There are only a few private hospitals we don’t have an agreement with.

In these cases we may not cover the full cost of your hospitalisation, so please ensure you call us before you go into hospital so we can tell you exactly what your out-of-pocket expense will be.

What do hospitals charge?

The main costs of hospitalisation are:

  • Accommodation charges
  • Theatre fees
  • Doctors/surgeons/anaesthetists fees
  • Intensive care and other special attention charges
  • Drugs and dressings
  • Prostheses charges

These types of costs are covered in our Gold Hospital Cover and members can elect to be treated in a public or private hospital, with their choice of doctor.

Public hospital charges are set by the various state/territory governments. Accommodation charges in private hospitals are based on:

  • The type of service provided (i.e. medical, minor surgery or advanced surgery)
  • The length of stay in hospital (generally daily charges decrease after 14 days)
  • An additional charge for a single room, when applicable

Hospitals also make other charges on top of accommodation charges. Gold Hospital covers theatre fees, intensive care, recovery ward, labour ward, special nursing, drugs, dressings and pharmaceuticals.

The RBHS does not pay for cosmetic surgery or any hospital treatment not covered by Medicare.

Where possible, we recommend that members confirm details of their level of cover, check the likely charges by the hospital and what is covered by the RBHS prior to admission. If you’re unsure exactly what you’re covered for, simply give us a call before you’re admitted and we can assist you.