Essential Benefits
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 24 services for $197.08 a month. Of the 396 other policies, 368 cost less and 71 cover more services.
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$1,000typical policy $800
- Major dentalshared with endodontic (root canals), orthodontics$1,500typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with 4 other services$600typical policy $450
- Chiropracticshared with osteopathy$500typical policy $400
- Psychologyshared with 5 other services$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)60% of the feetypical policy $35.20
- Scale and clean (item 114)60% of the feetypical policy $66.85
- Full crown, veneered (item 615)50% of the feetypical policy $773.80
- Single vision lenses and frames60% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
- Psychology, first visit60% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | None | $1,000 | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Major dental | 12 months | $1,500shared with endodontic (root canals), orthodontics | Full crown, veneered (item 615): 50% |
| Endodontic (root canals) | 12 months | $1,500shared with major dental, orthodontics | Root canal filling (item 417): 60% |
| Orthodontics | 12 months | $1,500shared with major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 50% |
| Optical | None | $200 | Multifocal lenses and frames: 60%Single vision lenses and frames: 60% |
| Non-PBS medicinesconditions apply | None | $500 | Non-PBS prescription: 60% |
| Physiotherapy | None | $600shared with 4 other services | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | None | $500shared with osteopathy | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatry | None | $300 | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Psychology | None | $500shared with 5 other services | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupuncture | None | $500shared with 5 other services | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | None | $500shared with 5 other services | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Hearing aidsconditions apply | 12 months | $500, 1 every 5 years | Hearing aid: 60% |
| Blood glucose monitors | 12 months | $500shared with orthotics | Blood glucose monitor: 60% |
| Audiology | None | $200 | Audiology, first visit: 80%Audiology, later visit: 80% |
| Antenatal and postnatal | None | $600shared with 4 other services | Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60% |
| Chinese herbal medicine | None | $500shared with 5 other services | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Dietetics | None | $500shared with 5 other services | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiology | None | $500shared with 5 other services | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Orthoptics | None | $600shared with 4 other services | Orthoptics, first visit: 60%Orthoptics, later visit: 60% |
| Occupational therapy | None | $600shared with 4 other services | Occupational therapy, first visit: 60%Occupational therapy, later visit: 60% |
| Orthotics | 12 months | $500shared with blood glucose monitors | Orthotics: 60% |
| Osteopathy | None | $500shared with chiropractic | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
| Speech therapy | None | $600shared with 4 other services | Speech therapy, first visit: 60% |
Not covered: health management programs, home nursing, vaccinations.
From the insurer: GU Health specialises in corporate health cover, providing a tailored health plan with extensive benefits. Enjoy 60% back on a wide range of included treatments and 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.
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.