(before any rebate, loading or discount)
Covers only one person
Available in Victoria
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or an insurer discount. Check with your insurer for details.
Overseas resident and employees/members of organisations with arrangements with this health insurer.
This policy exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover or benefits for travel and accommodation (outside of hospital).
| Back, neck and spine | Gastrointestinal endoscopy | Pain management with device |
| Blood | Gynaecology | Palliative care |
| Bone, joint and muscle | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Hernia and appendix | Skin |
| Breast surgery (medically necessary) | Implantation of hearing devices | Sleep studies |
| Cataracts | Insulin pumps | Tonsils, adenoids and grommets |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint reconstructions | Weight loss surgery |
| Dental surgery | Joint replacements | Assisted reproductive services |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Hospital psychiatric services |
| Dialysis for chronic kidney failure | Lung and chest | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Digestive system | Male reproductive system | Pregnancy and birth |
| Ear, nose and throat | Miscarriage and termination of pregnancy | Rehabilitation |
| Eye (not cataracts) | Pain management |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: No excess
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
Provides cover for included services, public and partner private hospitals with additional Medical services and access to the Mental Health waiver. Home support services and programs: This program allows you to leave hospital early so you can recover in the comfort of your own home and receive expert in-home care.
In Victoria this policy provides:
Emergency: Unlimited with no waiting period.
Non-emergency: Unlimited transport with no waiting period.
Call-out fees: will not be paid.
https://www.guhealth.com.au/forms-and-publications/fact-sheets
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.