(before any rebate, loading or discount)
Covers only one person
Available in All States
# 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 | Eye (not cataracts) | Male reproductive system |
| Blood | Gastrointestinal endoscopy | Miscarriage and termination of pregnancy |
| Bone, joint and muscle | Gynaecology | Pain management |
| Brain and nervous system | Heart and vascular system | Pain management with device |
| Breast surgery (medically necessary) | Hernia and appendix | Palliative care |
| Cataracts | Hospital psychiatric services | Plastic and reconstructive surgery (medically necessary) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Implantation of hearing devices | Pregnancy and birth |
| Dental surgery | Insulin pumps | Rehabilitation |
| Diabetes management (excluding insulin pumps) | Joint reconstructions | Skin |
| Dialysis for chronic kidney failure | Joint replacements | Sleep studies |
| Digestive system | Kidney and bladder | Tonsils, adenoids and grommets |
| Ear, nose and throat | Lung and chest | Weight loss surgery |
| Assisted reproductive services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
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 in public Hospitals with additional Medical benefits for outpatient services and access the Mental Health waiver. Home support services and programs: This program allows you to leave hospital early and continue to receive expert in-home care, so you can recover in the comfort of your own home.
This health insurer does not operate a preferred provider scheme.
| Note, for items marked with an asterisk *: Pharmaceutical benefits paid for items with an official pharmacy receipt, after you pay a sum equal to the Australian Government’s highest current PBS co-payment. Orthodontics treatment maximum lifetime limit is $2,200 per person. Hearing Aids are limited to one appliance per person every five years. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 0 | $1,100 per policy (combined limit for general dental, major dental, endodontic & orthodontic) $2,200 lifetime limit for Orthodontic | Periodic oral examination - 80% of charge Scale & clean - 80% of charge Fluoride treatment - 80% of charge Surgical tooth extraction - 80% of charge |
| Major dental | 12 | Full crown veneered - 80% of charge | |
| Endodontic | 12 | Filling of one root canal - 80% of charge | |
| Orthodontic* | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 80% of charge | |
| Optical | 0 | $200 per policy | Single vision lenses & frames - 80% of charge Multi-focal lenses & frames - 80% of charge |
| Non PBS pharmaceuticals* | 0 | $700 per policy (combined limit for non pbs pharmaceuticals, podiatry, psychology, hearing aids, blood glucose monitors, occupational therapy, orthotics (podiatric orthoses) & speech therapy) | Per eligible prescription - 80% of charge |
| Physiotherapy | 0 | $450 per policy (combined limit for physiotherapy & ante-natal/post-natal classes) | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Chiropractic | 0 | $450 per policy (combined limit for chiropractic & osteopathy) | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Podiatry | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Psychology | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Acupuncture | 0 | $200 per policy (combined limit for acupuncture, remedial massage, chinese medicine, dietetics/dietary advice, exercise physiology & other services) | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Remedial massage | 0 | Initial visit - 80% of charge Subsequent visit - 80% of charge | |
| Hearing aids* | 12 | Combined limit - see Non PBS pharmaceuticals | Hearing aid - 80% of charge |
| Blood glucose monitors | 12 | Combined limit - see Non PBS pharmaceuticals | Per monitor - 80% of charge |
| Ante-natal/Post-natal classes | 0 | Combined limit - see Physiotherapy | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Chinese medicine | 0 | Combined limit - see Acupuncture | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Dietetics/dietary advice | 0 | Combined limit - see Acupuncture | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Exercise physiology | 0 | Combined limit - see Acupuncture | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Occupational therapy | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Non PBS pharmaceuticals | Orthotics supply & fit - 80% of charge |
| Osteopathy | 0 | Combined limit - see Chiropractic | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Speech therapy | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Other treatments - check with your insurer |
GU Health specialises in corporate health cover, providing superior health plans with executive benefits. Enjoy a generous 80% back on all included treatments and services.
In All States this policy provides:
Emergency: Unlimited with no waiting period.
Non-emergency: Unlimited transport with no waiting period.
Call-out fees: will not be paid.
State schemes provide ambulance services for residents of Tasmania (https://www.health.tas.gov.au/ambulance/fees_and_accounts) and Queensland (https://www.ambulance.qld.gov.au/).
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.