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GU Health

Complete Gold Hospital And Ancillary Benefits (Family)

Corporate Policy

$664.20 / 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: Two adults & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 24), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: For GUHealthPolicies means a person who is not a Policy Holder or Partner and who: is aged under 21 years of age; is not married and does not have a defacto Partner; and includes a Foster Child, legally adopted child or stepchild.

Corporate policy: Employees/Members of organisations with arrangements with this health insurer

Policy ID: FAI/J13/AASL2D

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
Assisted reproductive services
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)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
Weight loss surgery

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

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. Added in-hospital carer benefit of up to $60 per night for the carers accommodation with your stay in hospital and $30 per day for the carer’s in-hospital meals, up to a total of $500.

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

$400 per person

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

$700 per person

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

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

$800 per person

  • Per monitor: 80% of charge
Chinese medicine 0

$400 per person

combined limit for chinese medicine, exercise physiology & remedial massage

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

$600 per person

combined limit for chiropractic, osteopathy & other services

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

$600 per person

  • Initial visit: 100% of charge
  • Subsequent visit: 100% of charge
Endodontic 12

$2,000 per person

combined limit for endodontic, major dental, orthodontic & other services

  • Filling of one root canal: 85% of charge
Exercise physiology 0

$400 per person

combined limit for chinese medicine, exercise physiology & remedial massage

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Eye therapy (orthoptics) 0

$600 per person

  • Initial visit: 100% of charge
  • Subsequent visit: 100% of charge
General dental 0

$1,700 per person

  • Fluoride treatment: 100% of charge
  • Scale & clean: 100% of charge
  • Surgical tooth extraction: 85% of charge
  • Periodic oral examination: 100% of charge
Health management / Healthy lifestyle* 6

$400 per policy

  • Health management: 80% of charge
Hearing aids* 12

$800 per person

  • Hearing aid: 100% of charge
Major dental 12

$2,000 per person

combined limit for endodontic, major dental, orthodontic & other services

  • Full crown veneered: 60% of charge
Non PBS pharmaceuticals* 0

$600 per person

  • Per eligible prescription: 100% of charge
Occupational therapy 0

$600 per person

  • Initial visit: 100% of charge
  • Subsequent visit: 100% of charge
Optical 0

$350 per person

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

$2,000 per person

$2,400 lifetime limit

combined limit for endodontic, major dental, orthodontic & other services

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge
Orthotics (podiatric orthoses) 12

$600 per person

combined limit for orthotics (podiatric orthoses), podiatry & other services

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

$600 per person

combined limit for chiropractic, osteopathy & other services

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

$700 per person

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

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

$600 per person

combined limit for orthotics (podiatric orthoses), podiatry & other services

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

$400 per person

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

$400 per person

combined limit for chinese medicine, exercise physiology & remedial massage

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

$600 per person

  • Initial visit: 100% of charge
  • Subsequent visit: 100% of charge
Acupuncture

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

{$700 per person}

{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

{$800 per person}

Examples of maximum benefits

{Per monitor: 80% of charge}

Chinese medicine

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chinese medicine, exercise physiology & remedial massage}

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

{$600 per person}

{combined limit for chiropractic, osteopathy & other services}

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

{$600 per person}

Examples of maximum benefits

{Initial visit: 100% of charge}

{Subsequent visit: 100% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{combined limit for endodontic, major dental, orthodontic & other services}

Examples of maximum benefits

{Filling of one root canal: 85% of charge}

Exercise physiology

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chinese medicine, exercise physiology & remedial massage}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Eye therapy (orthoptics)

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Initial visit: 100% of charge}

{Subsequent visit: 100% of charge}

General dental

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$1,700 per person}

Examples of maximum benefits

{Fluoride treatment: 100% of charge}

{Scale & clean: 100% of charge}

{Surgical tooth extraction: 85% of charge}

{Periodic oral examination: 100% of charge}

Health management / Healthy lifestyle*

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

Examples of maximum benefits

{Health management: 80% of charge}

Hearing aids*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

Examples of maximum benefits

{Hearing aid: 100% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{combined limit for endodontic, major dental, orthodontic & other services}

Examples of maximum benefits

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals*

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Per eligible prescription: 100% of charge}

Occupational therapy

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Initial visit: 100% of charge}

{Subsequent visit: 100% of charge}

Optical

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$350 per person}

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

{$2,000 per person}

{$2,400 lifetime limit}

{combined limit for endodontic, major dental, orthodontic & other services}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for orthotics (podiatric orthoses), podiatry & other services}

Examples of maximum benefits

{Orthotics supply & fit: 80% of charge}

Osteopathy

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, osteopathy & other services}

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

{$700 per person}

{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

{$600 per person}

{combined limit for orthotics (podiatric orthoses), podiatry & other services}

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

{$400 per person}

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

{$400 per person}

{combined limit for chinese medicine, exercise physiology & remedial massage}

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

{$600 per person}

Examples of maximum benefits

{Initial visit: 100% of charge}

{Subsequent visit: 100% of charge}

This policy does not include General treatment (Extras) cover for
Audiology
Home nursing
Vaccinations

Other features of this general treatment cover: Lifestyle Products: Contact GU Health about a wide range of approved lifestyle services and health management treatments such as stress management, weight loss programs and quit smoking courses. Travel and accommodation: Covers a patient and attendant for essential medical travel, to the nearest hospital or medical centre for round trips exceeding 200 kms

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.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

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

Complete Gold Hospital And Ancillary Benefits (Family)

Corporate Policy

$664.20 / 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/J13/AASL2D

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