(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 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 | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Skin |
| Dental surgery | Joint reconstructions | Sleep studies |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Tonsils, adenoids and grommets |
| Dialysis for chronic kidney failure | Lung and chest | Weight loss surgery |
| Digestive system | Male reproductive system | Hospital psychiatric services |
| Ear, nose and throat | Miscarriage and termination of pregnancy | Rehabilitation |
| Eye (not cataracts) | Pain management |
| Assisted reproductive services | Cataracts | Joint replacements |
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.
Access to the Mental Health waiver and 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 Benefit paid for items with an official pharmacy receipt, after you pay a sum equal to the Australian Government’s highest current PBS co-payment. 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 | $1,000 per policy | 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 | $1,500 per policy (combined limit for major dental, endodontic & orthodontic) | 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 | $300 per policy | Single vision lenses & frames - 80% of charge Multi-focal lenses & frames - 80% of charge |
| Non PBS pharmaceuticals* | 0 | $350 per policy | Per eligible prescription - 100% of charge |
| Physiotherapy | 0 | $700 per policy (combined limit for physiotherapy, ante-natal/post-natal classes, eye therapy (orthoptics), occupational therapy & speech therapy) | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chiropractic | 0 | $400 per policy (combined limit for chiropractic & osteopathy) | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Podiatry | 0 | $250 per policy | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Psychology | 0 | $400 per policy (combined limit for psychology, acupuncture, remedial massage, chinese medicine, dietetics/dietary advice, exercise physiology & other services) | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Acupuncture | 0 | 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 | $425 per policy | Hearing aid - 100% of charge |
| Blood glucose monitors | 12 | $400 per policy (combined limit for blood glucose monitors, orthotics (podiatric orthoses) & other services) | Per monitor - 80% of charge |
| Ante-natal/Post-natal classes | 0 | Combined limit - see Physiotherapy | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chinese medicine | 0 | Combined limit - see Psychology | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Dietetics/dietary advice | 0 | Combined limit - see Psychology | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Exercise physiology | 0 | Combined limit - see Psychology | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Eye therapy (orthoptics) | 0 | Combined limit - see Physiotherapy | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Occupational therapy | 0 | Combined limit - see Physiotherapy | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Blood glucose monitors | 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 Physiotherapy | Initial visit - 100% of charge Subsequent visit - 100% 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 100% back on a range of selected consultations including physiotherapy, speech, eye and occupational therapy, antenatal and dietetics.
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.