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GU Health review

Our verdict: GU Health does specialist corporate health insurance, but it's only available through the workplace.

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  • GU Health is among a handful of insurers who have now permanently added selected telehealth services to their extras cover policies.
  • You're in trusted hands. Since January 2020, GU Health has been backed by nib, Australia's fourth-largest health insurer by market share.
  • GU Health provides tailored corporate health insurance, so each policy is unique to your needs.


  • It's not for everyone – only businesses can get it.
  • It's for-profit, and underwritten by nib, which may be an issue for you.

GU Health health insurance: Our verdict

Grand United Corporate Health (GU Health) is Australia's only specialist corporate health insurer. It provides tailored health insurance cover to corporates and is part of nib Health Funds Limited.

GU Health is good if:

  • You're buying health insurance for a business.
  • You want a policy tailored to your company's needs.

GU Health is not great if:

  • You're looking for an individual health insurance policy.
  • You prefer not-for-profit health funds.

Review by our insurance and innovations editor Gary Ross Hunter.

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What levels of cover does GU Health offer?

As Grand United Corporate Health tailors its cover products to meet the needs of different employers, we can't provide a set list of the policies it offers. However, we can run through the features of its cover options.

Hospital accommodation and theatre fees. GU Health can cover you in either a public hospital or one of its partner private hospitals. You'll need to refer to the "Your Plan Information" document you receive when you take out a policy for information that relates specifically to your cover.

Inpatient services. GU Health offers benefits for a range of hospital treatments, covering the difference between the portion of your bills covered by Medicare and the Medicare Benefits Schedule. Covered treatments can include:

  • Accidental injuries
  • Maternity services
  • Assisted reproductive services
  • Dental surgery
  • Pharmaceuticals in hospital
  • Surgically implanted prostheses
  • Psychiatric care
  • Hospital care at home

Access Gap Cover. It also offers an Access Gap Cover scheme to reduce, and in some cases remove altogether, your out-of-pocket costs for specialist treatment in hospital.

Extras cover. The range of treatments covered and the benefit limits available will vary depending on the plans offered by your employer and the level of cover you choose. Benefits can include:

  • General and major dental
  • Orthodontic
  • Optical
  • Physiotherapy
  • Chiropractic
  • Natural therapies
  • Pharmaceuticals
  • Aids and appliances
  • Health management services

GU Health health insurance complaints

We looked at the 2022 Ombudsman health insurance complaints to see how good GU Health's customer service is (it's underwritten by nib).

  • GU Health/nib had a slightly smaller complaints ratio than its market share – 9.4% to 9.3%.
  • GU Health/nib had a larger complaints ratio than a handful of other insurers including Bupa, Medibank and HBF.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. GU Health/nib is twelfth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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