(before any rebate, loading or discount)
Covers one adult & dependants (2 or more people, only one of whom is an adult)
Available in Tasmania
# 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.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 24, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
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) | Miscarriage and termination of pregnancy |
| Blood | Gastrointestinal endoscopy | Pain management |
| Bone, joint and muscle | Gynaecology | Palliative care |
| Brain and nervous system | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hernia and appendix | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Implantation of hearing devices | Skin |
| Dental surgery | Joint reconstructions | Tonsils, adenoids and grommets |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Hospital psychiatric services |
| Digestive system | Lung and chest | Rehabilitation |
| Ear, nose and throat | Male reproductive system |
| Assisted reproductive services | Insulin pumps | Pregnancy and birth |
| Cataracts | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Pain management with device | Weight loss surgery |
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: You will have to pay an excess on admission. This is limited to a maximum of $500 per person per year.
Excess payments do not apply to hospital admissions for dependants.
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.
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. Major Dental - Dentures are limited to one appliance per person every three years. Remedial massage has a sublimit of $400 per membership year. Chiropractic- two chiropractic x-rays per membership year. Hearing Aids are limited to one appliance per person every five years. Health Management benefits paid for services or treatment over the value $20 | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 2 | $1,900 per person (no limit on preventative dental) (combined limit for general dental, major dental, endodontic & orthodontic) | Periodic oral examination - 90% of charge Scale & clean - 90% of charge Fluoride treatment - 90% of charge Surgical tooth extraction - 90% of charge |
| Major dental* | 12 | Full crown veneered - 90% of charge | |
| Endodontic | 12 | Filling of one root canal - 90% of charge | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 90% of charge | |
| Optical | 6 | $300 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals* | 2 | $300 per person (combined limit for non pbs pharmaceuticals & psychology) | Per eligible prescription - 90% of charge |
| Physiotherapy | 2 | $700 per person (combined limit for physiotherapy, ante-natal/post-natal classes & exercise physiology) | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Chiropractic* | 2 | $700 per person (combined limit for chiropractic & osteopathy) | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Podiatry | 2 | $300 per person (combined limit for podiatry, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses) & speech therapy) | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Psychology | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Acupuncture | 2 | $750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies. | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Remedial massage* | 2 | Initial visit - 90% of charge Subsequent visit - 90% of charge | |
| Hearing aids | 12 | $500 per person 1 appliance(s) every 5 years (combined limit for hearing aids, blood glucose monitors & other services) | Hearing aid - 90% of charge |
| Blood glucose monitors | 12 | Per monitor - 90% of charge | |
| Ante-natal/Post-natal classes | 2 | Combined limit - see Physiotherapy | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Dietetics/dietary advice | 2 | Combined limit - see Podiatry | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Eye therapy (orthoptics) | 2 | Combined limit - see Podiatry | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Health management / Healthy lifestyle | 6 | $150 per person | Health management - 90% of charge |
| Occupational therapy | 2 | Combined limit - see Podiatry | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Podiatry | Orthotics supply & fit - 90% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Speech therapy | 2 | Combined limit - see Podiatry | Initial visit - 90% of charge Subsequent visit - 90% of charge |
| Acupuncture and other Therapies offer a combined limit $750 for Remedial Massage, Myotherapy, Ayurveda Medicine, Chinese Herbal Medicine, Chinese Massage, Nutrition per person per membership year. Benefits up to $300 per membership year for health aids & appliances including blood glucose monitors, blood pressure monitors, non-surgical prosthesis, support garments, braces and splints. Health management includes GU Health approved programs and services to support members in areas such as Mental Health, Asthma, Diabetes, weight management and disease management. | |||
| Other treatments - check with your insurer |
GU Health specialises in corporate health cover, providing superior health plans with extensive benefits. Enjoy at least 90% back on a range of services including general dental, physiotherapy, chiropractic and remedial massage along with money back on travel and accommodation. Travel and accommodation: Covers a patient and attendant for essential medical travel, to the nearest hospital or medical centre for round trips exceeding 200 kms. No preferred provider visit white coat. https//www.guhealth.com.au/my-membership/find-a-provider
Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.
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.