Advantage 80 Benefit
An extras policy from GU Health.
- Corporate policy, sold through employers and associations.
- Only sold with hospital cover.
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, All states, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Not covered
- 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 extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 23 services for $163.75 a month. Of the 396 other policies, 341 cost less and 127 cover more services.
Pays towards 23 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$800typical policy $800
- Major dentalshared with endodontic (root canals)$1,200typical policy $1,000
- Optical$260typical policy $220
- Physiotherapyshared with antenatal and postnatal$600typical policy $450
- Chiropracticshared with chinese herbal medicine, osteopathy$500typical policy $400
- Psychologyshared with 4 other services$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 frames80% 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 | None | $800 | Periodic oral exam (item 012): 80%Scale and clean (item 114): 80%Fluoride treatment (item 121): 80%Simple extraction (item 322): 80% |
| Major dental | 12 months | $1,200shared with endodontic (root canals) | Full crown, veneered (item 615): 80% |
| Endodontic (root canals) | 12 months | $1,200shared with major dental | Root canal filling (item 417): 80% |
| Orthodonticsconditions apply | 12 months | $1,000, $2,400 lifetime | Braces, upper and lower, with retainer (item 881): 80% |
| Optical | None | $260 | Multifocal lenses and frames: 80%Single vision lenses and frames: 80% |
| Non-PBS medicinesconditions apply | None | $400shared with 4 other services | Non-PBS prescription: 80% |
| Physiotherapy | None | $600shared with antenatal and postnatal | Physiotherapy, first visit: 80%Physiotherapy, later visit: 80% |
| Chiropractic | None | $500shared with chinese herbal medicine, osteopathy | Chiropractic, first visit: 80%Chiropractic, later visit: 80% |
| Podiatry | None | $400shared with 4 other services | Podiatry, first visit: 80%Podiatry, later visit: 80% |
| Psychology | None | $300shared with 4 other services | Psychology, first visit: 80%Psychology, later visit: 80% |
| Acupuncture | None | $300shared with remedial massage, exercise physiology | Acupuncture, first visit: 80%Acupuncture, later visit: 80% |
| Remedial massage | None | $300shared with acupuncture, exercise physiology | Remedial massage, first visit: 80%Remedial massage, later visit: 80% |
| Hearing aidsconditions apply | 12 months | $400shared with 4 other services | Hearing aid: 80% |
| Blood glucose monitors | 12 months | $400shared with 4 other services | Blood glucose monitor: 80% |
| Antenatal and postnatal | None | $600shared with physiotherapy | Antenatal and postnatal, first visit: 80%Antenatal and postnatal, later visit: 80% |
| Chinese herbal medicine | None | $500shared with chiropractic, osteopathy | Chinese herbal medicine, first visit: 80%Chinese herbal medicine, later visit: 80% |
| Dietetics | None | $300shared with 4 other services | Dietetics, first visit: 80%Dietetics, later visit: 80% |
| Exercise physiology | None | $300shared with acupuncture, remedial massage | Exercise physiology, first visit: 80%Exercise physiology, later visit: 80% |
| Orthoptics | None | $300shared with 4 other services | Orthoptics, first visit: 80%Orthoptics, later visit: $80.00 |
| Occupational therapy | None | $300shared with 4 other services | Occupational therapy, first visit: 80%Occupational therapy, later visit: 80% |
| Orthotics | 12 months | $400shared with 4 other services | Orthotics: 80% |
| Osteopathy | None | $500shared with chiropractic, chinese herbal medicine | Osteopathy, first visit: 80%Osteopathy, later visit: 80% |
| Speech therapy | None | $300shared with 4 other services | Speech therapy, first visit: 80%Speech therapy, later visit: 80% |
Not covered: audiology, health management programs, home nursing, vaccinations.
From the insurer: GU Health specialises in corporate health cover, providing superior health plans with executive benefits. Enjoy a generous 80% back on all included services.
Orthodontics Treatment: The maximum lifetime limit is $2,400 per person. Hearing aids: one every five 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.
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.