Cl Executive Gold Hospital And Top Benefits
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, All states, no excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None
- 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 cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold84 policies$400.0032nd cheapest of 84
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
- None
- Pregnancy and birth
- None
- Psychiatric, rehabilitation and palliative care
- None
- All other hospital treatment
- None
Excess and other costs
No excess on any version of this policy.
From the insurer: Executive Hospital covers you at the hospital of your choice, as well as providing benefits on Midwifery services and Special Nursing. 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.
Pays towards 23 of 27 standard services
Yearly limits, against the typical policy
- General dental$1,000typical policy $800
- Major dentalshared with endodontic (root canals)$1,500typical policy $1,000
- Optical$350typical policy $220
- Physiotherapyshared with orthoptics, occupational therapy, speech therapy$1,200typical policy $450
- Chiropracticshared with 7 other services$1,200typical policy $400
- Psychologyshared with 7 other services$1,200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)100% of the feetypical policy $35.20
- Scale and clean (item 114)100% of the feetypical policy $66.85
- Full crown, veneered (item 615)100% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit100% of the feetypical policy $42.00
- Psychology, first visit100% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit | Example benefits (all states) |
|---|---|---|---|
| General dental | None | $1,000 | Periodic oral exam (item 012): 100%Scale and clean (item 114): 100%Fluoride treatment (item 121): 100%Simple extraction (item 322): 100% |
| Major dental | None | $1,500shared with endodontic (root canals) | Full crown, veneered (item 615): 100% |
| Endodontic (root canals) | None | $1,500shared with major dental | Root canal filling (item 417): 100% |
| Orthodontics | None | $1,000, $2,800 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | None | $350 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | None | $500 | Non-PBS prescription: 100% |
| Physiotherapy | None | $1,200shared with orthoptics, occupational therapy, speech therapy | Physiotherapy, first visit: 100%Physiotherapy, later visit: 100% |
| Chiropractic | None | $1,200shared with 7 other services | Chiropractic, first visit: 100%Chiropractic, later visit: 100% |
| Podiatry | None | $300 | Podiatry, first visit: 100%Podiatry, later visit: 100% |
| Psychology | None | $1,200shared with 7 other services | Psychology, first visit: 100%Psychology, later visit: 100% |
| Acupuncture | None | $1,200shared with 7 other services | Acupuncture, first visit: 100%Acupuncture, later visit: 100% |
| Remedial massage | None | $1,200shared with 7 other services | Remedial massage, first visit: 100%Remedial massage, later visit: 100% |
| Hearing aids | None | $800, 1 every 5 years | Hearing aid: 100% |
| Blood glucose monitors | None | $500shared with orthotics | Blood glucose monitor: 80% |
| Audiology | None | $200 | Audiology, first visit: 100%Audiology, later visit: 100% |
| Chinese herbal medicine | None | $1,200shared with 7 other services | Chinese herbal medicine, first visit: 100%Chinese herbal medicine, later visit: 100% |
| Dietetics | None | $1,200shared with 7 other services | Dietetics, first visit: 100%Dietetics, later visit: 100% |
| Exercise physiology | None | $1,200shared with 7 other services | Exercise physiology, first visit: 100%Exercise physiology, later visit: 100% |
| Orthoptics | None | $1,200shared with physiotherapy, occupational therapy, speech therapy | Orthoptics, first visit: 100%Orthoptics, later visit: 100% |
| Occupational therapy | None | $1,200shared with physiotherapy, orthoptics, speech therapy | Occupational therapy, first visit: 100%Occupational therapy, later visit: 100% |
| Orthotics | None | $500shared with blood glucose monitors | Orthotics: 80% |
| Osteopathy | None | $1,200shared with 7 other services | Osteopathy, first visit: 100%Osteopathy, later visit: 100% |
| Speech therapy | None | $1,200shared with physiotherapy, orthoptics, occupational therapy | Speech therapy, first visit: 100%Speech therapy, later visit: 100% |
Not covered: antenatal and postnatal, health management programs, home nursing, vaccinations.
Other services: 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. An additional $500 per person for preventive dental.
From the insurer: Enjoy a generous 100% back on a range of services including general dental, major dental, optical, physiotherapy, podiatry, occupational therapy and chiropractic. Travel and accommodation: Covers a patient and attendant for essential medical travel, to the nearest hospital or medical centre for round trips exceeding 250 kms.
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.