Optimum Basic Hospital & Business 80 Benefits
A Basic 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 Basic hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Basic105 policies$262.50101st cheapest of 105
0 of 38 clinical categories covered in full, 36 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.
- Restricted36
- Not covered2
Restricted 36
- 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)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Not covered 2
- Assisted reproductive services
- Podiatric surgery (provided by a registered podiatric surgeon)
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: Provides cover for included services in public Hospitals with additional Medical benefits for outpatient services and access the Mental Health waiver. 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 22 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals), orthodontics$1,100typical policy $800
- Major dentalshared with general dental, endodontic (root canals), orthodontics$1,100typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with antenatal and postnatal$450typical policy $450
- Chiropracticshared with osteopathy$450typical policy $400
- Psychologyshared with 7 other services$700typical 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 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 | $1,100shared with major dental, endodontic (root canals), orthodontics | 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 | $1,100shared with general dental, endodontic (root canals), orthodontics | Full crown, veneered (item 615): 80% |
| Endodontic (root canals) | 12 months | $1,100shared with general dental, major dental, orthodontics | Root canal filling (item 417): 80% |
| Orthodonticsconditions apply | 12 months | $1,100shared with general dental, major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 80% |
| Optical | None | $200 | Multifocal lenses and frames: 80%Single vision lenses and frames: 80% |
| Non-PBS medicinesconditions apply | None | $700shared with 7 other services | Non-PBS prescription: 80% |
| Physiotherapy | None | $450shared with antenatal and postnatal | Physiotherapy, first visit: 80%Physiotherapy, later visit: 80% |
| Chiropractic | None | $450shared with osteopathy | Chiropractic, first visit: 80%Chiropractic, later visit: 80% |
| Podiatry | None | $700shared with 7 other services | Podiatry, first visit: 80%Podiatry, later visit: 80% |
| Psychology | None | $700shared with 7 other services | Psychology, first visit: 80%Psychology, later visit: 80% |
| Acupuncture | None | $200shared with 4 other services | Acupuncture, first visit: 80%Acupuncture, later visit: 80% |
| Remedial massage | None | $200shared with 4 other services | Remedial massage, first visit: 80%Remedial massage, later visit: 80% |
| Hearing aidsconditions apply | 12 months | $700shared with 7 other services | Hearing aid: 80% |
| Blood glucose monitors | 12 months | $700shared with 7 other services | Blood glucose monitor: 80% |
| Antenatal and postnatal | None | $450shared with physiotherapy | Antenatal and postnatal, first visit: 80%Antenatal and postnatal, later visit: 80% |
| Chinese herbal medicine | None | $200shared with 4 other services | Chinese herbal medicine, first visit: 80%Chinese herbal medicine, later visit: 80% |
| Dietetics | None | $200shared with 4 other services | Dietetics, first visit: 80%Dietetics, later visit: 80% |
| Exercise physiology | None | $200shared with 4 other services | Exercise physiology, first visit: 80%Exercise physiology, later visit: 80% |
| Occupational therapy | None | $700shared with 7 other services | Occupational therapy, first visit: 80% |
| Orthotics | 12 months | $700shared with 7 other services | Orthotics: 80% |
| Osteopathy | None | $450shared with chiropractic | Osteopathy, first visit: 80%Osteopathy, later visit: 80% |
| Speech therapy | None | $700shared with 7 other services | Speech therapy, first visit: 80%Speech therapy, later visit: 80% |
Not covered: audiology, orthoptics, 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 80% back on all included treatments and services.
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. Orthodontics treatment maximum lifetime limit is $2,200 per person. 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.
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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.