Advance Hospital - Gold & Corporate Health 80
A Gold hospital and extras policy from GU Health.
- Corporate policy, sold through employers and associations.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement GU Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single parent, NSW & ACT, $500 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None, $250, $500
- Ambulance
- Emergency and non-emergency, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
GU Health's page for this policyAgainst every other Gold hospital and extras policy in NSW & ACT
Single parent cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold84 policies$393.755th cheapest of 84
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single parent premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
What a higher excess saves
Single parent cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- No excess$625.63
- $250 excess$10.31 less than no excess$615.32
- $500 excess$231.88 less than no excess$393.75
No excess
$250 excess
All 38 clinical categories covered in full
- Covered in full38
Covered 38
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- None
Excess and other costs
Excess options: none, $250, $500, paid when you are admitted. No excess for accidents or dependants.
From the insurer: 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.
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals), orthodontics$1,800typical policy $800
- Major dentalshared with general dental, endodontic (root canals), orthodontics$1,800typical policy $1,000
- Optical$250typical policy $220
- Physiotherapyshared with antenatal and postnatal, exercise physiology$600typical policy $450
- Chiropracticshared with osteopathy$600typical policy $400
- Psychologyshared with non-pbs medicines$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)80% of the feetypical policy $35.20
- Scale and clean (item 114)80% of the feetypical policy $66.85
- Full crown, veneered (item 615)80% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit80% of the feetypical policy $42.00
- Psychology, first visit80% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $1,800shared with major dental, endodontic (root canals), orthodontics | Periodic oral exam (item 012): 80%Scale and clean (item 114): 80%Fluoride treatment (item 121): 80%Simple extraction (item 322): 80% |
| Major dentalconditions apply | 12 months | $1,800shared with general dental, endodontic (root canals), orthodontics | Full crown, veneered (item 615): 80% |
| Endodontic (root canals) | 12 months | $1,800shared with general dental, major dental, orthodontics | Root canal filling (item 417): 80% |
| Orthodontics | 12 months | $1,800shared with general dental, major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 80% |
| Optical | 6 months | $250 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicinesconditions apply | 2 months | $300shared with psychology | Non-PBS prescription: 80% |
| Physiotherapy | 2 months | $600shared with antenatal and postnatal, exercise physiology | Physiotherapy, first visit: 80%Physiotherapy, later visit: 80% |
| Chiropracticconditions apply | 2 months | $600shared with osteopathy | Chiropractic, first visit: 80%Chiropractic, later visit: 80% |
| Podiatry | 2 months | $300shared with 5 other services | Podiatry, first visit: 80%Podiatry, later visit: 80% |
| Psychology | 2 months | $300shared with non-pbs medicines | Psychology, first visit: 80%Psychology, later visit: 80% |
| Acupuncture | 2 months | $400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: 80%Acupuncture, later visit: 80% |
| Remedial massageconditions apply | 2 months | $400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: 80%Remedial massage, later visit: 80% |
| Hearing aidsconditions apply | 12 months | $400, 1 every 5 yearsshared with blood glucose monitors | Hearing aid: 80% |
| Blood glucose monitors | 12 months | $400, 1 every 5 yearsshared with hearing aids | Blood glucose monitor: 80% |
| Antenatal and postnatal | 2 months | $600shared with physiotherapy, exercise physiology | Antenatal and postnatal, first visit: 80%Antenatal and postnatal, later visit: 80% |
| Chinese herbal medicine | 2 months | $400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: 80%Chinese herbal medicine, later visit: 80% |
| Dietetics | 2 months | $300shared with 5 other services | Dietetics, first visit: 80%Dietetics, later visit: 80% |
| Exercise physiology | 2 months | $600shared with physiotherapy, antenatal and postnatal | Exercise physiology, first visit: 80%Exercise physiology, later visit: 80% |
| Orthoptics | 2 months | $300shared with 5 other services | Orthoptics, first visit: 80%Orthoptics, later visit: 80% |
| Health management programsconditions apply | 6 months | $150 | Health management program: 80% |
| Occupational therapy | 2 months | $300shared with 5 other services | Occupational therapy, first visit: 80%Occupational therapy, later visit: 80% |
| Orthotics | 12 months | $300shared with 5 other services | Orthotics: 80% |
| Osteopathy | 2 months | $600shared with chiropractic | Osteopathy, first visit: 80%Osteopathy, later visit: 80% |
| Speech therapy | 2 months | $300shared with 5 other services | Speech therapy, first visit: 80% |
Not covered: audiology, home nursing, vaccinations.
Preventative dental is not counted against the dental limit.
Other services: 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 $400 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.
From the insurer: GU Health specialises in corporate health cover, providing superior health plans with extensive benefits. Enjoy a generous 80% back on all services including popular 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
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 $300 per membership year. Hearing Aids are limited to one appliance per person every five years. Chiropractic- two chiropractic x-rays per membership year. Health Management benefits paid for services or treatment over the value of $20.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.