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Is Gold hospital cover the biggest health insurance furphy? Find out if you’re overpaying for Gold tier hospital cover, when you don’t really need it.

Top tier health cover isn’t always top tier value. Reviewing your health cover can put $$$ back back in your pocket.

There’s no need to overpay for Gold health cover.

If you’ve got Gold health insurance, you’ve got “top tier” hospital cover, right? Well, if by top tier you mean the most needlessly expensive cover, then yes, your cover is probably a top tier waste of money.

The reality is the majority of gold level hospital items can be found on better value Silver Plus policies specifically designed for parents-to-be or retirees. After all, you don’t want to be paying for joint replacements and pregnancy at the same time?

The best value health insurance covers what you need - without making you pay for what you don’t.


^*$295 average savings based on 239,107 Compare Club customers over ten years. #Compare Club compares selected products from a panel of trusted insurers. We do not compare all products in the market.

Paying too much?

< 45 Years54 - 45 Years65 - 55 Years> 65 Years

Australia: We saved our average customer $300* on their average annual premium!
Select your age below and see how much you could save!

* Average savings of $300 based on 136,746 customers between 1 Jan 2018 and 23 Dec 2022

Select your state and compare now!

Discover the best options for you

Here's how to find an affordable policy that fits your needs.

How can you save?

Gold tier hospital cover is typically the most expensive cover, and if you’re done with birthing suites, don’t see yourself needing weight loss surgery, or inpatient psychiatric care over the next couple of years, you don’t need to shell out for those top dollar premiums.

Get Started Today

How do we know?

Compare Club has saved Australians an average $295 over the past five years when they’ve switched health cover through us.*

Finding the policy tier that better fits your health needs is what we do#.

Find out how much we can save you today.

Are you paying for Gold Cover you don't need?

Compare Club Australia Pty Ltd (CCA) is a corporate authorised representative (AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326). Please see our FSG
CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326). The financial products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. Information found on the CompareClub website is for general purposes only. While we endeavour to provide information that is accurate and up to date, we make no warranties or representations about the accuracy, completeness, reliability or suitability of
the information, graphics, products or services offered or contained on the website. Therefore, any reliance placed on the information provided on the CompareClub website is at the user's own risk. When reviewing offers from external websites or companies, please review their terms and conditions. We have no control over these companies, their offers, website content, products/services, or the availability and nature of their products/services. Links found on the CompareClub website do not necessarily imply an endorsement or recommendation of the information or views that are expressed by the external party.

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Australia:We saved our average customer $300* on their average annual premium! Select your age below and see how much you could save!

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