Gold Complete Hospital & BAR Ancillary 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 parent, NSW & ACT, no excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None
- Ambulance
- Emergency and non-emergency, call-out fees included, 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 parent cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold84 policies$593.7523rd cheapest of 84
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 parent premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
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
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- None
Excess and other costs
No excess on any version of this policy.
From the insurer: 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. Added in-hospital carer benefit of up to $60 per night for the carers accommodation with your stay in hospital and $30 per day for the carer’s in-hospital meals, up to a total of $500.
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$1,700typical policy $800
- Major dentalshared with endodontic (root canals), orthodontics$2,000typical policy $1,000
- Optical$350typical policy $220
- Physiotherapyshared with antenatal and postnatal$700typical policy $450
- Chiropracticshared with osteopathy$600typical policy $400
- Psychology$400typical 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)60% of the feetypical policy $773.80
- Single vision lenses and frames80% of the feetypical policy $220.00
- Physiotherapy, first visit80% of the feetypical policy $42.00
- Psychology, first visit80% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | None | $1,700 | Periodic oral exam (item 012): 100%Scale and clean (item 114): 100%Fluoride treatment (item 121): 100%Simple extraction (item 322): 85% |
| Major dental | 12 months | $2,000shared with endodontic (root canals), orthodontics | Full crown, veneered (item 615): 60% |
| Endodontic (root canals) | 12 months | $2,000shared with major dental, orthodontics | Root canal filling (item 417): 85% |
| Orthodontics | 12 months | $2,000shared with major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 60% |
| Optical | None | $350 | Multifocal lenses and frames: 80%Single vision lenses and frames: 80% |
| Non-PBS medicinesconditions apply | None | $600 | Non-PBS prescription: 100% |
| Physiotherapy | None | $700shared with antenatal and postnatal | Physiotherapy, first visit: 80%Physiotherapy, later visit: 80% |
| Chiropractic | None | $600shared with osteopathy | Chiropractic, first visit: 80%Chiropractic, later visit: 80% |
| Podiatry | None | $600shared with orthotics | Podiatry, first visit: 80%Podiatry, later visit: 80% |
| Psychology | None | $400 | Psychology, first visit: 80%Psychology, later visit: 80% |
| Acupuncture | None | $400 | Acupuncture, first visit: 80%Acupuncture, later visit: 80% |
| Remedial massage | None | $400shared with chinese herbal medicine, exercise physiology | Remedial massage, first visit: 80%Remedial massage, later visit: 80% |
| Hearing aids | 12 months | $800, 1 every 5 years | Hearing aid: 100% |
| Blood glucose monitors | 12 months | $800 | Blood glucose monitor: 80% |
| Antenatal and postnatal | None | $700shared with physiotherapy | Antenatal and postnatal, first visit: 80%Antenatal and postnatal, later visit: 80% |
| Chinese herbal medicine | None | $400shared with remedial massage, exercise physiology | Chinese herbal medicine, first visit: 80%Chinese herbal medicine, later visit: 80% |
| Dietetics | None | $800 | Dietetics, first visit: 100%Dietetics, later visit: 100% |
| Exercise physiology | None | $400shared with remedial massage, chinese herbal medicine | Exercise physiology, first visit: 80%Exercise physiology, later visit: 80% |
| Orthoptics | None | $600 | Orthoptics, first visit: 100%Orthoptics, later visit: 100% |
| Health management programsconditions apply | 6 months | - | Health management program: 80% |
| Occupational therapy | None | $600 | Occupational therapy, first visit: 100%Occupational therapy, later visit: 100% |
| Orthotics | 12 months | $600shared with podiatry | Orthotics: 80% |
| Osteopathy | None | $600shared with chiropractic | Osteopathy, first visit: 80%Osteopathy, later visit: 80% |
| Speech therapy | None | $600 | Speech therapy, first visit: 100% |
Not covered: audiology, home nursing, vaccinations.
Preventative dental is not counted against the dental limit.
Other services: School health care: School accidents if not covered by Medicare or a third party. A Benefit of 100% up to $800 per Membership Year.
From the insurer: GU Health specialises in corporate health cover, providing superior health plans with executive benefits. Enjoy 100% back on selected general dental treatments and access to a range of approved health management services including stress management and quit smoking courses. Travel and Accommodation Benefits capped at $0.20 per km and $100 per night up to $500 per Membership Year (eligibility criteria applies). Check product information and Fund Rules for further details.
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. Health Management benefits paid for services and treatment of $20 or more.
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.