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GU Health

Corporate Essentials Hospital - Silver & Corporate Health 90 $500 Excess (Single Parent)

Corporate Policy

$345.90 / month

(Before Rebate, Discount & Loading)

Available in TAS

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: One adult & dependants (2 or more people, only one of whom is an adult).

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/J134/THUF1D

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)
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
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
Joint reconstructions
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Rehabilitation
Skin
Tonsils, adenoids and grommets
This policy does not include cover for
Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Sleep studies
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: You will have to pay an excess on admission. This is limited to a maximum of $500 per person per year.

Excess payments do not apply to hospital admissions for dependants.

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
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.

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 2

$750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Ante-natal/Post-natal classes 2

$700 per person

combined limit for ante-natal/post-natal classes, exercise physiology & physiotherapy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Blood glucose monitors 12

$500 per person

combined limit for blood glucose monitors, hearing aids & other services

  • Per monitor: 90% of charge
Chinese medicine 2

$750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Chiropractic* 2

$700 per person

combined limit for chiropractic & osteopathy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Dietetics/dietary advice 2

$300 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Endodontic 12

$1,900 per person

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

  • Filling of one root canal: 90% of charge
Exercise physiology 2

$700 per person

combined limit for ante-natal/post-natal classes, exercise physiology & physiotherapy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Eye therapy (orthoptics) 2

$300 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
General dental 2

$1,900 per person

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

  • Fluoride treatment: 90% of charge
  • Scale & clean: 90% of charge
  • Surgical tooth extraction: 90% of charge
  • Periodic oral examination: 90% of charge
Health management / Healthy lifestyle 6

$150 per person

  • Health management: 90% of charge
Hearing aids 12

$500 per person

combined limit for blood glucose monitors, hearing aids & other services

  • Hearing aid: 90% of charge
Major dental* 12

$1,900 per person

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

  • Full crown veneered: 90% of charge
Non PBS pharmaceuticals* 2

$300 per person

combined limit for non pbs pharmaceuticals & psychology

  • Per eligible prescription: 90% of charge
Occupational therapy 2

$300 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Optical 6

$300 per person

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthodontic 12

$1,900 per person

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

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 90% of charge
Orthotics (podiatric orthoses) 12

$300 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Orthotics supply & fit: 90% of charge
Osteopathy 2

$700 per person

combined limit for chiropractic & osteopathy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Physiotherapy 2

$700 per person

combined limit for ante-natal/post-natal classes, exercise physiology & physiotherapy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Podiatry 2

$300 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Psychology 2

$300 per person

combined limit for non pbs pharmaceuticals & psychology

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Remedial massage* 2

$750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Speech therapy 2

$300 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: 90% of charge
  • Subsequent visit: 90% of charge
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

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

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for blood glucose monitors, hearing aids & other services}

Examples of maximum benefits

{Per monitor: 90% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,900 per person}

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

Examples of maximum benefits

{Filling of one root canal: 90% of charge}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

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

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,900 per person}

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

Examples of maximum benefits

{Fluoride treatment: 90% of charge}

{Scale & clean: 90% of charge}

{Surgical tooth extraction: 90% of charge}

{Periodic oral examination: 90% of charge}

Health management / Healthy lifestyle

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Health management: 90% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for blood glucose monitors, hearing aids & other services}

Examples of maximum benefits

{Hearing aid: 90% of charge}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,900 per person}

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

Examples of maximum benefits

{Full crown veneered: 90% of charge}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for non pbs pharmaceuticals & psychology}

Examples of maximum benefits

{Per eligible prescription: 90% of charge}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,900 per person}

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

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 90% of charge}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Orthotics supply & fit: 90% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

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

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for non pbs pharmaceuticals & psychology}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Remedial massage*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per person (combined: acupuncture, remedial massage, chinese medicine & other services.) Sublimit of $400 for remedial massage applies.}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: 90% of charge}

{Subsequent visit: 90% of charge}

Acupuncture and other Therapies offer a combined limit $750 for Remedial Massage, Myotherapy, Ayurveda Medicine, Chinese Herbal Medicine, Chinese Massage, Nutrition per person per membership year. Benefits up to $300 per membership year for health aids & appliances including blood glucose monitors, blood pressure monitors, non-surgical prosthesis, support garments, braces and splints. Health management includes GU Health approved programs and services to support members in areas such as Mental Health, Asthma, Diabetes, weight management and disease management.

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

Other features of this general treatment cover: GU Health specialises in corporate health cover, providing superior health plans with extensive benefits. Enjoy at least 90% back on a range of services including general dental, physiotherapy, chiropractic and remedial massage along with money back on travel and accommodation. 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. No preferred provider visit white coat. https//www.guhealth.com.au/my-membership/find-a-provider

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

Ambulance cover

Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.

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

Insurer Details

GU Health

Corporate Essentials Hospital - Silver & Corporate Health 90 $500 Excess (Single Parent)

Corporate Policy

$345.90 / month

(Before Rebate, Discount & Loading)

Available in TAS

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/J134/THUF1D

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