Budget Benefits
An 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, 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 7 services for $129.17 a month. Of the 396 other policies, 299 cost less and 355 cover more services.
Pays towards 7 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Optical$200typical policy $220
- Physiotherapy$250typical policy $450
- Chiropracticshared with acupuncture, osteopathy$200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)70% of the feetypical policy $35.20
- Scale and clean (item 114)70% of the feetypical policy $66.85
- Single vision lenses and frames50% of the feetypical policy $220.00
- Physiotherapy, first visit70% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | None | No annual limit | Periodic oral exam (item 012): 70%Scale and clean (item 114): 70%Fluoride treatment (item 121): 70%Simple extraction (item 322): 70% |
| Optical | None | $200 | Multifocal lenses and frames: 50%Single vision lenses and frames: 50% |
| Non-PBS medicinesconditions apply | None | $200 | Non-PBS prescription: 100% |
| Physiotherapy | None | $250 | Physiotherapy, first visit: 70%Physiotherapy, later visit: 70% |
| Chiropractic | None | $200shared with acupuncture, osteopathy | Chiropractic, first visit: 70%Chiropractic, later visit: 70% |
| Acupuncture | None | $200shared with chiropractic, osteopathy | Acupuncture, first visit: 70%Acupuncture, later visit: 70% |
| Osteopathy | None | $200shared with chiropractic, acupuncture | Osteopathy, first visit: 70%Osteopathy, later visit: 70% |
Not covered: major dental, endodontic (root canals), orthodontics, podiatry, psychology, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Preventative dental is not counted against the dental limit.
From the insurer: GU Health specialises in corporate health cover, providing tailored health plans. Enjoy cover for the popular treatments including unlimited benefits for general dental.
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. Pharmaceutical limit increases by $25 each year up to $300.
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.