(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 provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Assisted reproductive services | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hospital psychiatric services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Weight loss surgery |
| Ear, nose and throat | Male reproductive system |
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 year.
Excess payments do not apply to hospital admissions for accidents or 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. Added in-hospital carer benefit of up to $60 per night for the carers accommodation with your stay in hospital and $30 per day for the carer’s in-hospital meals, up to a total of $500. Travel and Accommodation Benefits capped at $200 per admission (eligibility criteria applies), Check product information and Fund Rules for further information.
This health insurer does not operate a preferred provider scheme.
| Note, for items marked with an asterisk *: Major dental - Dentures are limited to one appliance per person every three years 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. Remedial massage has a sublimit of $225 per membership year. Chiropractic- two chiropractic x-rays per membership year. Health Management benefits paid for services and treatment over the value of $20 or more | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 2 | $1,200 per person (no limit on preventative dental) (combined limit for general dental, major dental, endodontic & orthodontic) | Periodic oral examination - 70% of charge Scale & clean - 70% of charge Fluoride treatment - 70% of charge Surgical tooth extraction - 70% of charge |
| Major dental* | 12 | Full crown veneered - 70% of charge | |
| Endodontic | 12 | Filling of one root canal - 70% of charge | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 70% of charge | |
| Optical | 6 | $250 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals* | 2 | $400 per person (combined limit for non pbs pharmaceuticals, podiatry, psychology, blood glucose monitors, dietetics/dietary advice, occupational therapy, orthotics (podiatric orthoses), speech therapy & other services) | Per eligible prescription - 70% of charge |
| Physiotherapy | 2 | $450 per person (combined limit for physiotherapy & exercise physiology) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Chiropractic* | 2 | $450 per person (combined limit for chiropractic & osteopathy) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Podiatry | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Psychology | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Acupuncture | 2 | $400 per person (combined limit for Acupuncture, remedial massage, chinese medicine & other services). Sublimit of $225 for remedial massage. | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Remedial massage* | 2 | Initial visit - 70% of charge Subsequent visit - 70% of charge | |
| Blood glucose monitors | 12 | Combined limit - see Non PBS pharmaceuticals | Per monitor - 70% of charge |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Dietetics/dietary advice | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Health management / Healthy lifestyle* | 6 | $150 per person | Health management - 70% of charge |
| Occupational therapy | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Non PBS pharmaceuticals | Orthotics supply & fit - 70% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Speech therapy | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Acupuncture and other Therapies offer a combined limit $400 for Remedial Massage, Myotherapy, Ayurveda Medicine, Chinese Herbal Medicine, Chinese Massage, Nutrition per person per membership year. Benefits up to $350 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. | |||
| Hearing aids | Other treatments - check with your insurer |
GU Health specialises in corporate health cover, providing a tailored health plan with extensive benefits. Enjoy at least 70% back on a wide range of services and treatments including unlimited benefits for selected preventive dental services. 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.