Advance Hospital - Silver & Corporate Health 90
A Silver 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 Silver hospital and extras policy in NSW & ACT
Single parent cover, each policy at its cheapest excess, corporate and restricted policies included.
- Silver180 policies$597.45146th cheapest of 180
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$646.26
- $250 excess$23.38 less than no excess$622.88
- $500 excess$48.81 less than no excess$597.45
No excess
$250 excess
28 of 38 clinical categories covered in full, 1 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full28
- Restricted1
- Not covered9
Covered 28
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Tonsils, adenoids and grommets
Restricted 1
- Hospital psychiatric services
Not covered 9
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- 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.
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$1,900typical policy $800
- Major dentalshared with general dental, endodontic (root canals), orthodontics$1,900typical policy $1,000
- Optical$300typical policy $220
- Physiotherapyshared with antenatal and postnatal, exercise physiology$700typical policy $450
- Chiropracticshared with osteopathy$700typical 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)90% of the feetypical policy $35.20
- Scale and clean (item 114)90% of the feetypical policy $66.85
- Full crown, veneered (item 615)90% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit90% of the feetypical policy $42.00
- Psychology, first visit90% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $1,900shared with major dental, endodontic (root canals), orthodontics | Periodic oral exam (item 012): 90%Scale and clean (item 114): 90%Fluoride treatment (item 121): 90%Simple extraction (item 322): 90% |
| Major dentalconditions apply | 12 months | $1,900shared with general dental, endodontic (root canals), orthodontics | Full crown, veneered (item 615): 90% |
| Endodontic (root canals) | 12 months | $1,900shared with general dental, major dental, orthodontics | Root canal filling (item 417): 90% |
| Orthodontics | 12 months | $1,900shared with general dental, major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 90% |
| Optical | 6 months | $300 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicinesconditions apply | 2 months | $300shared with psychology | Non-PBS prescription: 90% |
| Physiotherapy | 2 months | $700shared with antenatal and postnatal, exercise physiology | Physiotherapy, first visit: 90%Physiotherapy, later visit: 90% |
| Chiropracticconditions apply | 2 months | $700shared with osteopathy | Chiropractic, first visit: 90%Chiropractic, later visit: 90% |
| Podiatry | 2 months | $300shared with 5 other services | Podiatry, first visit: 90%Podiatry, later visit: 90% |
| Psychology | 2 months | $300shared with non-pbs medicines | Psychology, first visit: 90%Psychology, later visit: 90% |
| Acupuncture | 2 months | $750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: 90%Acupuncture, later visit: 90% |
| Remedial massageconditions apply | 2 months | $750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: 90%Remedial massage, later visit: 90% |
| Hearing aids | 12 months | $500, 1 every 5 yearsshared with blood glucose monitors | Hearing aid: 90% |
| Blood glucose monitors | 12 months | $500, 1 every 5 yearsshared with hearing aids | Blood glucose monitor: 90% |
| Antenatal and postnatal | 2 months | $700shared with physiotherapy, exercise physiology | Antenatal and postnatal, first visit: 90%Antenatal and postnatal, later visit: 90% |
| Chinese herbal medicine | 2 months | $750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: 90%Chinese herbal medicine, later visit: 90% |
| Dietetics | 2 months | $300shared with 5 other services | Dietetics, first visit: 90%Dietetics, later visit: 90% |
| Exercise physiology | 2 months | $700shared with physiotherapy, antenatal and postnatal | Exercise physiology, first visit: 90%Exercise physiology, later visit: 90% |
| Orthoptics | 2 months | $300shared with 5 other services | Orthoptics, first visit: 90%Orthoptics, later visit: 90% |
| Health management programs | 6 months | $150 | Health management program: 90% |
| Occupational therapy | 2 months | $300shared with 5 other services | Occupational therapy, first visit: 90%Occupational therapy, later visit: 90% |
| Orthotics | 12 months | $300shared with 5 other services | Orthotics: 90% |
| Osteopathy | 2 months | $700shared with chiropractic | Osteopathy, first visit: 90%Osteopathy, later visit: 90% |
| Speech therapy | 2 months | $300shared with 5 other services | Speech therapy, first visit: 90%Speech therapy, later visit: 90% |
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 $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.
From the 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
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
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.