Business 85 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 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, against the typical policy
- General dental$500typical policy $800
- Major dentalshared with endodontic (root canals), orthodontics$800typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with antenatal and postnatal$450typical policy $450
- Chiropracticshared with osteopathy$450typical policy $400
- Psychologyshared with 7 other services$700typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)85% of the feetypical policy $35.20
- Scale and clean (item 114)85% of the feetypical policy $66.85
- Full crown, veneered (item 615)85% of the feetypical policy $773.80
- Single vision lenses and frames85% of the feetypical policy $220.00
- Physiotherapy, first visit85% of the feetypical policy $42.00
- Psychology, first visit85% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit | Example benefits (all states) |
|---|---|---|---|
| General dental | None | $500 | Periodic oral exam (item 012): 85%Scale and clean (item 114): 85%Fluoride treatment (item 121): 85%Simple extraction (item 322): 85% |
| Major dental | 12 months | $800shared with endodontic (root canals), orthodontics | Full crown, veneered (item 615): 85% |
| Endodontic (root canals) | 12 months | $800shared with major dental, orthodontics | Root canal filling (item 417): 85% |
| Orthodonticsconditions apply | 12 months | $800shared with major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 85% |
| Optical | None | $200 | Multifocal lenses and frames: 85%Single vision lenses and frames: 85% |
| Non-PBS medicinesconditions apply | None | $700shared with 7 other services | Non-PBS prescription: 85% |
| Physiotherapy | None | $450shared with antenatal and postnatal | Physiotherapy, first visit: 85%Physiotherapy, later visit: 85% |
| Chiropractic | None | $450shared with osteopathy | Chiropractic, first visit: 85%Chiropractic, later visit: 85% |
| Podiatry | None | $700shared with 7 other services | Podiatry, first visit: 85%Podiatry, later visit: 85% |
| Psychology | None | $700shared with 7 other services | Psychology, first visit: 85%Psychology, later visit: 85% |
| Acupuncture | None | $200shared with 4 other services | Acupuncture, first visit: 85%Acupuncture, later visit: 85% |
| Remedial massage | None | $200shared with 4 other services | Remedial massage, first visit: 85%Remedial massage, later visit: 85% |
| Hearing aidsconditions apply | 12 months | $700shared with 7 other services | Hearing aid: 85% |
| Blood glucose monitors | 12 months | $700shared with 7 other services | Blood glucose monitor: 85% |
| Antenatal and postnatal | None | $450shared with physiotherapy | Antenatal and postnatal, first visit: 85%Antenatal and postnatal, later visit: 85% |
| Chinese herbal medicine | None | $200shared with 4 other services | Chinese herbal medicine, first visit: 85%Chinese herbal medicine, later visit: 85% |
| Dietetics | None | $200shared with 4 other services | Dietetics, first visit: 85%Dietetics, later visit: 85% |
| Exercise physiology | None | $200shared with 4 other services | Exercise physiology, first visit: 85%Exercise physiology, later visit: 85% |
| Health management programs | 6 months | $150 | Health management program: 85% |
| Occupational therapy | None | $700shared with 7 other services | Occupational therapy, first visit: 85%Occupational therapy, later visit: 85% |
| Orthotics | 12 months | $700shared with 7 other services | Orthotics: 85% |
| Osteopathy | None | $450shared with chiropractic | Osteopathy, first visit: 85%Osteopathy, later visit: 85% |
| Speech therapy | None | $700shared with 7 other services | Speech therapy, first visit: 85%Speech therapy, later visit: 85% |
Not covered: audiology, orthoptics, home nursing, vaccinations.
From the insurer: GU Health specialises in corporate health cover, providing superior health plans with executive benefits. Enjoy a generous 85% back on all included treatments and services including money back on a wide range of lifestyle services and treatments such as stress management, weight loss programs and quit smoking courses.
Orthodontic treatment maximum lifetime limit is $2,200 per person. Hearing Aids are limited to one appliance per person 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.