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GU Health

Optimum Basic Hospital & Business 80 Benefits (Single)

Corporate Policy

$240.90 / month

(Before Rebate, Discount & Loading)

Available in All States

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Only one person.

Corporate policy: Overseas resident and employees/members of organisations with arrangements with this health insurer

Policy ID: FAI/J1/ADOH10

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy does not provide accident cover.
  • This policy does not provide benefits for travel or accommodation outside of hospital.
Covered
Restricted Cover
Not Covered
This policy includes cover for
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
This policy does not include cover for
Assisted reproductive services
Podiatric surgery (provided by a registered podiatric surgeon)

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: No excess

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:
  • 2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
  • 12 months for other pre-existing conditions
  • 12 months for pregnancy and birth (obstetrics)
Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

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.

For further information about this policy see: https://www.guhealth.com.au/

Extras Cover

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 0

$200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Ante-natal/Post-natal classes 0

$450 per policy

combined limit for ante-natal/post-natal classes & physiotherapy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Blood glucose monitors 12

$700 per policy

combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy

  • Per monitor: 80% of charge
Chinese medicine 0

$200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Chiropractic 0

$450 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Dietetics/dietary advice 0

$200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Endodontic 12

$1,100 per policy

combined limit for endodontic, general dental, major dental & orthodontic

  • Filling of one root canal: 80% of charge
Exercise physiology 0

$200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
General dental 0

$1,100 per policy

combined limit for endodontic, general dental, major dental & orthodontic

  • Fluoride treatment: 80% of charge
  • Scale & clean: 80% of charge
  • Surgical tooth extraction: 80% of charge
  • Periodic oral examination: 80% of charge
Hearing aids* 12

$700 per policy

combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy

  • Hearing aid: 80% of charge
Major dental 12

$1,100 per policy

combined limit for endodontic, general dental, major dental & orthodontic

  • Full crown veneered: 80% of charge
Non PBS pharmaceuticals* 0

$700 per policy

combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy

  • Per eligible prescription: 80% of charge
Occupational therapy 0

$700 per policy

combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy

  • Initial visit: 80% of charge
Optical 0

$200 per policy

  • Multi-focal lenses & frames: 80% of charge
  • Single vision lenses & frames: 80% of charge
Orthodontic* 12

$1,100 per policy

$2,200 lifetime limit

combined limit for endodontic, general dental, major dental & orthodontic

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 80% of charge
Orthotics (podiatric orthoses) 12

$700 per policy

combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy

  • Orthotics supply & fit: 80% of charge
Osteopathy 0

$450 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Physiotherapy 0

$450 per policy

combined limit for ante-natal/post-natal classes & physiotherapy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Podiatry 0

$700 per policy

combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Psychology 0

$700 per policy

combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Remedial massage 0

$200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Speech therapy 0

$700 per policy

combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Acupuncture

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Ante-natal/Post-natal classes

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

{combined limit for ante-natal/post-natal classes & physiotherapy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy}

Examples of maximum benefits

{Per monitor: 80% of charge}

Chinese medicine

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Chiropractic

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Dietetics/dietary advice

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,100 per policy}

{combined limit for endodontic, general dental, major dental & orthodontic}

Examples of maximum benefits

{Filling of one root canal: 80% of charge}

Exercise physiology

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

General dental

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$1,100 per policy}

{combined limit for endodontic, general dental, major dental & orthodontic}

Examples of maximum benefits

{Fluoride treatment: 80% of charge}

{Scale & clean: 80% of charge}

{Surgical tooth extraction: 80% of charge}

{Periodic oral examination: 80% of charge}

Hearing aids*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy}

Examples of maximum benefits

{Hearing aid: 80% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,100 per policy}

{combined limit for endodontic, general dental, major dental & orthodontic}

Examples of maximum benefits

{Full crown veneered: 80% of charge}

Non PBS pharmaceuticals*

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy}

Examples of maximum benefits

{Per eligible prescription: 80% of charge}

Occupational therapy

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy}

Examples of maximum benefits

{Initial visit: 80% of charge}

Optical

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 80% of charge}

{Single vision lenses & frames: 80% of charge}

Orthodontic*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,100 per policy}

{$2,200 lifetime limit}

{combined limit for endodontic, general dental, major dental & orthodontic}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 80% of charge}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy}

Examples of maximum benefits

{Orthotics supply & fit: 80% of charge}

Osteopathy

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Physiotherapy

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

{combined limit for ante-natal/post-natal classes & physiotherapy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Podiatry

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Psychology

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Remedial massage

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Speech therapy

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for blood glucose monitors, hearing aids, non pbs pharmaceuticals, occupational therapy, orthotics (podiatric orthoses), podiatry, psychology & speech therapy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

This policy does not include General treatment (Extras) cover for
Audiology
Eye therapy (orthoptics)
Health management / Healthy lifestyle
Home nursing
Vaccinations

Other features of this general treatment cover: 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.

For further information about this policy see: https://www.guhealth.com.au/

Ambulance cover

In all states this policy provides:

Emergency: Unlimited with no waiting period.

Non-emergency: Unlimited transport with no waiting period.

State schemes provide ambulance services for residents of Tasmania (https://www.health.tas.gov.au/ambulance/fees_and_accounts) and Queensland (https://www.ambulance.qld.gov.au).

For further information about this policy see: https://www.guhealth.com.au/forms-and-publications/fact-sheets

Insurer Details

GU Health

Optimum Basic Hospital & Business 80 Benefits (Single)

Corporate Policy

$240.90 / month

(Before Rebate, Discount & Loading)

Available in All States

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/FAI/J1/ADOH10

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