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Reviewed and updated 26 September 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. Search your organisation’s website or intranet to find out whether a corporate health insurance policy with GU Health is available to you, and what conditions apply.


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?

BenchmarksGU Health Industry average
Member retention for Hospital Cover82.7%86.9%
% hospital-related charges covered85.9%89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023


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:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT66
NSW9298
NT12
QLD5260
SA2023
TAS59
VIC6976
WA2124

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:

LocationNumber of day Agreement Hospitals Industry maximum
ACT89
NSW93103
NT22
QLD4557
SA2630
TAS88
VIC7279
WA2424

Source: GU Health: performance


How does GU Health Extras Cover compare with other insurers?

BenchmarkGU Health Industry average
% Extras Cover charges covered57.5%51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023


How does GU Health compare with other private health insurers?

BenchmarksGU Health Industry average
Market share9.6%
% services with no gap91.7%88.3%
% services with no gap or where known gap payment made92.3%97.2%
Market share of complaints to the PHIO10.1%3.1%
% complaints investigated by the PHIO11.0%3.1%
Benefits as a % of contributions79%80.5%
Management expenses as a % of contribution income12.3%13.1%
Management expenses per average policy$438$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023


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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