Corporate 90 Benefits
An extras policy from nib.
- Sold as GU Health Insurance.
- 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 nib files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NSW & ACT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, 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.
nib'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 25 services for $191.23 a month. Of the 396 other policies, 364 cost less and 22 cover more services.
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 premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family |
|---|---|---|---|---|---|
| NSW & ACT | $191.23 | $382.46 | $382.46 | $315.53 | $478.08 |
| VIC | $191.23 | $382.46 | $382.46 | $315.53 | $478.08 |
| QLD | $191.23 | $382.46 | $382.46 | $315.53 | $478.08 |
| SA | $191.23 | $382.46 | $382.46 | $315.53 | $478.08 |
| WA | $191.23 | $382.46 | $382.46 | $315.53 | $478.08 |
| TAS | $191.23 | $382.46 | $382.46 | $315.53 | $478.08 |
| NT | $191.23 | $382.46 | $382.46 | $315.53 | $478.08 |
Pays towards 25 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals), orthodontics$1,900typical policy $800
- Major dentalshared with general dental, endodontic (root canals), orthodontics$1,900typical policy $1,000
- Optical$300typical policy $220
- Physiotherapyshared with antenatal and postnatal, exercise physiology$700typical policy $450
- Chiropracticshared with osteopathy$700typical policy $400
- Psychologyshared with non-pbs medicines$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)90% of the feetypical policy $35.20
- Scale and clean (item 114)90% of the feetypical policy $66.85
- Full crown, veneered (item 615)90% of the feetypical policy $773.80
- Single vision lenses and frames90% of the feetypical policy $220.00
- Physiotherapy, first visit90% of the feetypical policy $42.00
- Psychology, first visit90% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $1,900shared with major dental, endodontic (root canals), orthodontics | Periodic oral exam (item 012): 90%Scale and clean (item 114): 90%Fluoride treatment (item 121): 90%Simple extraction (item 322): 90% |
| Major dental | 12 months | $1,900shared with general dental, endodontic (root canals), orthodontics | Full crown, veneered (item 615): 90% |
| Endodontic (root canals) | 12 months | $1,900shared with general dental, major dental, orthodontics | Root canal filling (item 417): 90% |
| Orthodontics | 12 months | $1,900shared with general dental, major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 90% |
| Opticalconditions apply | 6 months | $300 | Multifocal lenses and frames: 90%Single vision lenses and frames: 90% |
| Non-PBS medicines | 2 months | $300shared with psychology | Non-PBS prescription: 90% |
| Physiotherapy | 2 months | $700shared with antenatal and postnatal, exercise physiology | Physiotherapy, first visit: 90%Physiotherapy, later visit: 90% |
| Chiropractic | 2 months | $700shared with osteopathy | Chiropractic, first visit: 90%Chiropractic, later visit: 90% |
| Podiatry | 2 months | $300shared with 6 other services | Podiatry, first visit: 90%Podiatry, later visit: 90% |
| Psychology | 2 months | $300shared with non-pbs medicines | Psychology, first visit: 90%Psychology, later visit: 90% |
| Acupuncture | 2 months | $750shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: 90%Acupuncture, later visit: 90% |
| Remedial massage | 2 months | $750shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: 90%Remedial massage, later visit: 90% |
| Hearing aidsconditions apply | 12 months | $500, 2 every 5 yearsshared with blood glucose monitors | Hearing aid: 90% |
| Blood glucose monitorsconditions apply | 12 months | $500, 2 every 5 yearsshared with hearing aids | Blood glucose monitor: 90% |
| Audiology | 2 months | $300shared with 6 other services | Audiology, first visit: 90% |
| Antenatal and postnatal | 2 months | $700shared with physiotherapy, exercise physiology | Antenatal and postnatal, first visit: 90%Antenatal and postnatal, later visit: 90% |
| Chinese herbal medicine | 2 months | $750shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: 90%Chinese herbal medicine, later visit: 90% |
| Dietetics | 2 months | $300shared with 6 other services | Dietetics, first visit: 90%Dietetics, later visit: 90% |
| Exercise physiology | 2 months | $700shared with physiotherapy, antenatal and postnatal | Exercise physiology, first visit: 90%Exercise physiology, later visit: 90% |
| Orthoptics | 2 months | $300shared with 6 other services | Orthoptics, first visit: 90%Orthoptics, later visit: 90% |
| Health management programs | 6 months | $200 | Health management program: 90% |
| Occupational therapy | 2 months | $300shared with 6 other services | Occupational therapy, first visit: 90%Occupational therapy, later visit: 90% |
| Orthoticsconditions apply | 2 months | $300shared with 6 other services | Orthotics: 90% |
| Osteopathy | 2 months | $700shared with chiropractic | Osteopathy, first visit: 90%Osteopathy, later visit: 90% |
| Speech therapy | 2 months | $300shared with 6 other services | Speech therapy, first visit: 90%Speech therapy, later visit: 90% |
Not covered: home nursing, vaccinations.
Preventative dental is not counted against the dental limit.
Other services: *Service limits apply to Preventative Dental, Optical, Orthotics, Health Aids (Blood Glucose Monitors). Preventative Tests (e.g. thin prep, bone density testing, bowel screening) is combined with Healthier lifestyle ($200). Healthier Lifestyle includes nib approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Myotherapy: combined limit of $750 with Acupuncture, Remedial Massage and Chinese Herbalism. Sublimit of $400 for Remedial Massage. Digital CBT: combined limit of $300 with Psychology and Non PBS Pharmaceuticals. Sublimit of $150 for Digital CBT. Health Aids (e.g. spacer, peak flow meter, nebuliser, Irlen lens) is combined with Hearing Aids ($500). Use nib Rewards to access a range of rewards and discounts on services like groceries, petrol, entertainment, health, wellbeing and more!
From the insurer: By choosing an nib First Choice provider it means you could pay less on dental treatment, physiotherapy and optical.
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.