Galib Standard Extras
An extras policy from GU Health.
- Corporate policy, sold through employers and associations.
- Only sold with particular other policies.
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 10 services for $95.83 a month. Of the 396 other policies, 226 cost less and 316 cover more services.
Pays towards 10 of 27 standard services
Yearly limits, against the typical policy
- General dentalNo annual limittypical policy $800
- Optical$160typical policy $220
- Physiotherapyshared with 6 other services$200typical policy $450
- Chiropracticshared with 6 other services$200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$19.00typical policy $35.20
- Scale and clean (item 114)$39.00typical policy $66.85
- Single vision lenses and frames70% of the feetypical policy $220.00
- Physiotherapy, first visit$22.00typical policy $42.00
| Service | Waiting period | Yearly limit | Example benefits (all states) |
|---|---|---|---|
| General dental | None | No annual limit | Periodic oral exam (item 012): $19.00Scale and clean (item 114): $39.00Fluoride treatment (item 121): $20.00Simple extraction (item 322): $50.00 |
| Optical | None | $160 | Multifocal lenses and frames: 70%Single vision lenses and frames: 70% |
| Non-PBS medicinesconditions apply | None | $200 | Non-PBS prescription: 70% |
| Physiotherapy | None | $200shared with 6 other services | Physiotherapy, first visit: $22.00Physiotherapy, later visit: $22.00 |
| Chiropractic | None | $200shared with 6 other services | Chiropractic, first visit: $22.00Chiropractic, later visit: $22.00 |
| Acupuncture | None | $200shared with 6 other services | Acupuncture, first visit: $22.00Acupuncture, later visit: $22.00 |
| Remedial massage | None | $200shared with 6 other services | Remedial massage, first visit: $22.00Remedial massage, later visit: $22.00 |
| Antenatal and postnatal | None | $200shared with 6 other services | Antenatal and postnatal, first visit: $22.00Antenatal and postnatal, later visit: $22.00 |
| Chinese herbal medicine | None | $200shared with 6 other services | Chinese herbal medicine, first visit: $22.00Chinese herbal medicine, later visit: $22.00 |
| Osteopathy | None | $200shared with 6 other services | Osteopathy, first visit: $22.00Osteopathy, later visit: $22.00 |
Not covered: major dental, endodontic (root canals), orthodontics, podiatry, psychology, hearing aids, blood glucose monitors, audiology, 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 providing tailored health plans. Enjoy cover for 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.
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.