Inpatriate Gold Hospital & Executive 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$405.0033rd 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
- 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.
Pays towards 24 of 27 standard services
Yearly limits, against the typical policy
- General dental$2,400typical policy $800
- Major dentalshared with endodontic (root canals), orthodontics$1,300typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with 4 other services$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)80% of the feetypical policy $773.80
- Single vision lenses and frames80% 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 | $2,400 | Periodic oral exam (item 012): 100%Scale and clean (item 114): 100%Fluoride treatment (item 121): 100%Simple extraction (item 322): 100% |
| Major dentalconditions apply | 12 months | $1,300shared with endodontic (root canals), orthodontics | Full crown, veneered (item 615): 80% |
| Endodontic (root canals) | 12 months | $1,300shared with major dental, orthodontics | Root canal filling (item 417): 80% |
| Orthodontics | 12 months | $1,300shared with major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 80% |
| Opticalconditions apply | None | $200 | Multifocal lenses and frames: 80%Single vision lenses and frames: 80% |
| Non-PBS medicinesconditions apply | None | $500 | Non-PBS prescription: 100% |
| Physiotherapy | None | $1,200shared with 4 other services | 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 | $500 | 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 aidsconditions apply | 12 months | $800, 1 every 5 years | Hearing aid: 100% |
| Blood glucose monitors | 12 months | $500shared with orthotics | Blood glucose monitor: 80% |
| Audiology | None | $200 | Audiology, first visit: 100%Audiology, later visit: 100% |
| Antenatal and postnatal | None | $1,200shared with 4 other services | Antenatal and postnatal, first visit: 100%Antenatal and postnatal, 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 4 other services | Orthoptics, first visit: 100%Orthoptics, later visit: 100% |
| Occupational therapy | None | $1,200shared with 4 other services | Occupational therapy, first visit: 100%Occupational therapy, later visit: 100% |
| Orthotics | 12 months | $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 4 other services | Speech therapy, first visit: 100%Speech therapy, later visit: 100% |
Not covered: health management programs, home nursing, vaccinations.
Other services: This cover also provides benefits towards non-Medicare rebated mammograms and Health programs for Quit smoking or Stress management.
From the insurer: GU Health specialises in corporate health cover, providing superior health plans with executive benefits. Enjoy a generous 100% back on a great range of services including general dental, physiotherapy, chiropractic and remedial massage generous rebates on a wide range of services and treatments. Travel and accommodation: Covers a patient and attendant for essential medical travel, to the nearest hospital or medical centre for round trips exceeding 200 kms
Major Dental limit increases by $175 per year up to $2,000 and Optical limit increases by $25 per year up to $350. 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.
Compare
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.