The Finance Algorithm

Corporate Starter Bronze Hospital Plus

A Bronze Plus hospital 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

$79.17a month

Single, NT, $750 excess, before the rebate.

Medicare levy surcharge
Exempts you
Excess options
None, $250, $500, $750
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 policy

Against every other Bronze hospital policy in NSW & ACT

Single cover, each policy at its cheapest excess, corporate and restricted policies included.

  1. Bronze76 policies$140.8342nd cheapest of 76
    $121.79$173.55
This policyEvery other Bronze policy

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 premium in each state

NT$131
QLD$200
WA$160
SA$195
NSW$194
ACT$194
VIC$200
TAS$198
CheaperDearer

To the nearest dollar, a month before the rebate. The tables below have every price to the cent.

What a higher excess saves

Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.

  1. No excess
    $193.75
  2. $250 excess$14.58 less than no excess
    $179.17
  3. $500 excess$45.42 less than no excess
    $148.33
  4. $750 excess$52.92 less than no excess
    $140.83

$250 excessat most $500 a year for couples and families

$500 excessat most $1,000 a year for couples and families

$750 excessat most $1,500 a year for couples and families

21 of 38 clinical categories covered in full, 3 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 full21
  • Restricted3
  • Not covered14

Covered 21

  • 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
  • Hernia and appendix
  • Joint reconstructions
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Skin
  • Tonsils, adenoids and grommets

Restricted 3

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Not covered 14

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • 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
2 months

Excess and other costs

Excess options: none, $250, $500, $750, paid when you are admitted.

From the insurer: This product covers In-Hospital Carer Benefit: 100% of cost up to $400 per person per membership year and Home Support Services and Programs.

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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.