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GU Health

Reviewed and updated 3 April 2024

About GU Health

What is GU Health?

GU Health is a private health insurer that operates as an open health fund.

It focuses solely on providing health insurance products to corporates and provides over 300 businesses with health insurance products.

Background

GU Health used to be a wholly owned subsidiary of Australian Unity. In 2017, nib bought GU Health.

Who can join GU Health?

As an individual, you cannot take out health cover with GU Health. Instead, to buy GU Health policies, your employer needs to have partnered with GU Health.

Is GU Health a not-for-profit health insurer?

No. GU Health is a for-profit health insurer.

Does GU Health operate in all Australian states and territories?

Yes. GU Health operates in all Australian states and territories.

How does GU Health Hospital Cover compare with other insurers?

Benchmarks	GU Health	Industry average
Member retention for Hospital Cover	81.9%	88.6%
% hospital-related charges covered	86.4%	90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

Does GU Health have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. GU Health has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	6	6
NSW	92	98
NT	1	2
QLD	52	60
SA	20	23
TAS	5	9
VIC	69	76
WA	21	24

GU Health also has agreements with a number of day hospitals so it can provide services at low cost or no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	8	9
NSW	93	103
NT	2	2
QLD	45	57
SA	26	30
TAS	8	8
VIC	72	79
WA	24	24

Source: GU Health: performance

How does GU Health Extras Cover compare with other insurers?

Benchmark	GU Health	Industry average
% Extras Cover charges covered	57.2%	52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

How does GU Health compare with other private health insurers?

Benchmarks	GU Health	Industry average
Market share	9.4%	–
% services with no gap	91.8%	88.8%
% services with no gap or where known gap payment made	92.3%	97.4%
Market share of complaints to the PHIO	9.3%	–
% complaints investigated by the PHIO	5.7%	–
Benefits as a % of contributions	73.5%	83.1%
Management expenses as a % of contribution income	10.7%	9.9%
Management expenses per average policy	$374	$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

Is GU Health a member of any industry associations?

Yes. Through nib, GU Health is a member of Private Healthcare Australia (PHA). This body represents 20 registered health insurers and 97% of people covered by private health insurance.

Does GU Health let me claim online or via an app?

Yes. GU Health allows you to make a claim online via email. Use your GU Health member login to lodge a claim or claim via the GU Health App.

How to contact GU Health

Phone:

1800 249 966

Website:

https://www.guhealth.com.au/

Email:

corporate@guhealth.com.au

Address:

22 Honeysuckle Drive
Newcastle
NSW 2300

Postal address:

GPO Box 2988
MELBOURNE VIC 8060

Compare GU Health with other private health insurers

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GU Health

About GU Health

What is GU Health?

Background

Who can join GU Health?

Is GU Health a not-for-profit health insurer?

Does GU Health operate in all Australian states and territories?

How does GU Health Hospital Cover compare with other insurers?

Does GU Health have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

How does GU Health Extras Cover compare with other insurers?

How does GU Health compare with other private health insurers?

Is GU Health a member of any industry associations?

Does GU Health let me claim online or via an app?

How to contact GU Health

Compare GU Health with other private health insurers

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