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GU Health

Advance Hospital - Gold & Corporate Health 80 $500 Excess (Single Parent)

Corporate Policy

$362.50 / 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/J139/THSR1D

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy provides accident cover - check with insurer for details.
  • This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.
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: You will have to pay an excess on admission. This is limited to a maximum of $500 per policy per year.

Excess payments do not apply to hospital admissions for accidents and 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
  • 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. Travel and Accommodation Benefits capped at $200 per admission (eligibility criteria applies), Check product information and Fund Rules for further information.

For further information about this policy see: http://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

$400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Ante-natal/Post-natal classes 2

$600 per person

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

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

$400 per person

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

  • Per monitor: 80% of charge
Chinese medicine 2

$400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Chiropractic* 2

$600 per person

combined limit for chiropractic & osteopathy

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

$1,800 per person

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

  • Filling of one root canal: 80% of charge
Exercise physiology 2

$600 per person

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

  • Initial visit: 80% of charge
  • Subsequent visit: 80% 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: 80% of charge
  • Subsequent visit: 80% of charge
General dental 2

$1,800 per person

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
Health management / Healthy lifestyle* 6

$150 per person

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

$400 per person

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

  • Hearing aid: 80% of charge
Major dental* 12

$1,800 per person

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

  • Full crown veneered: 80% of charge
Non PBS pharmaceuticals* 2

$300 per person

combined limit for non pbs pharmaceuticals & psychology

  • Per eligible prescription: 80% 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: 80% of charge
  • Subsequent visit: 80% of charge
Optical 6

$250 per person

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

$1,800 per person

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

$300 per person

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

  • Orthotics supply & fit: 80% of charge
Osteopathy 2

$600 per person

combined limit for chiropractic & osteopathy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Physiotherapy 2

$600 per person

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

  • Initial visit: 80% of charge
  • Subsequent visit: 80% 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: 80% of charge
  • Subsequent visit: 80% of charge
Psychology 2

$300 per person

combined limit for non pbs pharmaceuticals & psychology

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Remedial massage* 2

$400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.

combined limit for acupuncture, chinese medicine & remedial massage

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

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.}

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

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

{$400 per person}

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

Examples of maximum benefits

{Per monitor: 80% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.}

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

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% 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: 80% of charge}

{Subsequent visit: 80% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,800 per person}

{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:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% 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: 80% of charge}

{Subsequent visit: 80% of charge}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,800 per person}

{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}

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: 80% of charge}

Hearing aids*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

Examples of maximum benefits

{Hearing aid: 80% of charge}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,800 per person}

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

Examples of maximum benefits

{Full crown veneered: 80% 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: 80% 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: 80% of charge}

{Subsequent visit: 80% of charge}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$250 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

{$1,800 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: 80% 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: 80% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% 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: 80% of charge}

{Subsequent visit: 80% 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: 80% of charge}

{Subsequent visit: 80% of charge}

Remedial massage*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person (combined limit for acupuncture, remedial massage & chinese medicine) Sublimit of $300 for remedial massage.}

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

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% 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: 80% of charge}

Acupuncture and other Therapies offer a combined limit $400 for Remedial Massage, Myotherapy, Ayurveda Medicine, Chinese Herbal Medicine, Chinese Massage, Nutrition per person per membership year. Benefits up to $400 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 a generous 80% back on all services including popular treatments including unlimited benefits for selected preventive dental services. No preferred provider visit white coat. https://www.guhealth.com.au/my-membership/find-a-provider

For further information about this policy see: http://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

Advance Hospital - Gold & Corporate Health 80 $500 Excess (Single Parent)

Corporate Policy

$362.50 / 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/J139/THSR1D

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