This premium is for a single policy in NSW that includes the full Australian Government Rebate of 25.415%. Yearly figures are inclusive of 2.5% discount.

Cover Summary

  • Top Cover 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 Association (AMA) List of medical services and fees and is unmatched by any other health insurer.
  • Unlike most other medical gap schemes there's no requirement for your doctor to opt-in to this scheme, so you have complete freedom to choose who treats you.
  • Top Cover 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


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