Nt My Choice Silver Plus Hospital And Added Value Benefits
A Silver Plus 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 Silver hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Silver191 policies$402.92167th cheapest of 191
33 of 38 clinical categories covered in full, 2 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 full33
- Restricted2
- Not covered3
Covered 33
- Back, neck and spine
- 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)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- 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
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted 2
- Hospital psychiatric services
- Rehabilitation
Not covered 3
- Assisted reproductive services
- Cataracts
- Joint replacements
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: Access to the Mental Health waiver and 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 23 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$300typical policy $220
- Physiotherapyshared with 4 other services$700typical policy $450
- Chiropracticshared with osteopathy$400typical policy $400
- Psychologyshared with 5 other services$400typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)80% of the feetypical policy $35.20
- Scale and clean (item 114)80% 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 visit80% 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): 80%Scale and clean (item 114): 80%Fluoride treatment (item 121): 80%Simple extraction (item 322): 80% |
| Major dental | 12 months | $1,500shared with endodontic (root canals), orthodontics | Full crown, veneered (item 615): 80% |
| Endodontic (root canals) | 12 months | $1,500shared with major dental, orthodontics | Root canal filling (item 417): 80% |
| Orthodontics | 12 months | $1,500shared with major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 80% |
| Optical | None | $300 | Multifocal lenses and frames: 80%Single vision lenses and frames: 80% |
| Non-PBS medicinesconditions apply | None | $350 | Non-PBS prescription: 100% |
| Physiotherapy | None | $700shared with 4 other services | Physiotherapy, first visit: 100%Physiotherapy, later visit: 100% |
| Chiropractic | None | $400shared with osteopathy | Chiropractic, first visit: 80%Chiropractic, later visit: 80% |
| Podiatry | None | $250 | Podiatry, first visit: 80%Podiatry, later visit: 80% |
| Psychology | None | $400shared with 5 other services | Psychology, first visit: 80%Psychology, later visit: 80% |
| Acupuncture | None | $400shared with 5 other services | Acupuncture, first visit: 80%Acupuncture, later visit: 80% |
| Remedial massage | None | $400shared with 5 other services | Remedial massage, first visit: 80%Remedial massage, later visit: 80% |
| Hearing aidsconditions apply | 12 months | $425 | Hearing aid: 100% |
| Blood glucose monitors | 12 months | $400shared with orthotics | Blood glucose monitor: 80% |
| Antenatal and postnatal | None | $700shared with 4 other services | Antenatal and postnatal, first visit: 100%Antenatal and postnatal, later visit: 100% |
| Chinese herbal medicine | None | $400shared with 5 other services | Chinese herbal medicine, first visit: 80%Chinese herbal medicine, later visit: 80% |
| Dietetics | None | $400shared with 5 other services | Dietetics, first visit: 100%Dietetics, later visit: 100% |
| Exercise physiology | None | $400shared with 5 other services | Exercise physiology, first visit: 80%Exercise physiology, later visit: 80% |
| Orthoptics | None | $700shared with 4 other services | Orthoptics, first visit: 100%Orthoptics, later visit: 100% |
| Occupational therapy | None | $700shared with 4 other services | Occupational therapy, first visit: 100%Occupational therapy, later visit: 100% |
| Orthotics | 12 months | $400shared with blood glucose monitors | Orthotics: 80% |
| Osteopathy | None | $400shared with chiropractic | Osteopathy, first visit: 80%Osteopathy, later visit: 80% |
| Speech therapy | None | $700shared with 4 other services | Speech therapy, first visit: 100%Speech therapy, later visit: 100% |
Not covered: audiology, health management programs, home nursing, vaccinations.
From the insurer: GU Health specialises in corporate health cover, providing superior health plans with executive benefits. Enjoy a generous 100% back on a range of selected consultations including physiotherapy, speech, eye and occupational therapy, antenatal and dietetics.
Pharmaceutical Benefit paid for items with an official pharmacy receipt, after you pay a sum equal to the Australian Government’s highest current PBS co-payment. Hearing Aids are limited to one appliance per person every five years.
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.