(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.
Employees/Members of organisations with arrangements with the 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 |
| 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 | |
| Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Assisted reproductive services |
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
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 | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| Non PBS pharmaceuticals* | 0 | No annual limit | Per eligible prescription - 100% of charge |
| Physiotherapy | 0 | No annual limit | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chiropractic | 0 | No annual limit (combined limit for chiropractic & other services) | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Psychology | 0 | No annual limit (combined limit for psychology & other services) | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Blood glucose monitors | 0 | No annual limit (combined limit for blood glucose monitors & other services) | Per monitor - 100% of charge |
| Orthotics (podiatric orthoses) | 0 | No annual limit | Orthotics supply & fit - 100% of charge |
| Osteopathy | 0 | No annual limit | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Acupuncture | Major dental | Remedial massage |
| Endodontic | Optical | Other treatments - check with your insurer |
| General dental | Orthodontic | |
| Hearing aids | Podiatry |
Enjoy a generous 100% back on a range of services including physiotherapy occupational therapy and chiropractic.
In All States this policy provides:
Emergency: Unlimited 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.