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Pros
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.
Cons
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.
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.
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 2020 Ombudsman health insurance complaints to see how good GU Health's customer service is (it's underwritten by nib).
GU Health/nib had a smaller complaints ratio than its market share.
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. GU Health/nib is seventh overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.
GU Health frequently asked questions
GU Health offers tailored insurance solutions for the employees of more than 300 companies around Australia.
This program allows you to leave hospital early by providing the treatment you need in the comfort of your own home. The program includes services such as physiotherapy, occupational therapy, nursing, personal care attendance, home help, maternity nursing care, medical equipment hire.
Yes, GU Health allows you to take out cover for a child of you or your partner who is aged 21-24 years, studying full time, does not have a partner and is financially dependent on you.
Claiming on your GU Health policy is quick and easy. For many extras claims, all you'll have to do is swipe your GU Health membership card at your treatment provider's HICAPS facility. Where this is not an option, GU Health runs a simple-to-use online claims system called Flex-eClaim, which allows you to claim online in 3 easy steps. Alternatively, claim forms can be downloaded from the GU Health website and submitted by post or email.
When it comes to hospital claims, your hospital will send your bill straight to your health fund. If you need to lodge a medical claim, you will first have to visit a Medicare office and obtain a Statement of Benefit Advice confirmation letter. You can then send this letter and your claim form to GU Health.
Gary Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary is passionate about helping Aussies understand their insurance policies so that they can get better value for their money.
Thanks for getting in touch. finder.com.au is a comparison service and not affiliated with GU Health. Most health funds only provide benefits for treatments received in Australia. You should contact GU Health directly for clarification.
Finder is a comparison service and we do not currently have GU Health as part of the panel of health funds we compare. If you would like to get a quote from GU Health, you will need to contact them directly. If you would like to get a quote from an adviser for the brands in our panel, you can do so by completing the contact form on the health insurance homepage.
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can I use GU health in New Zealand
Hi Cheslyn,
Thanks for getting in touch. finder.com.au is a comparison service and not affiliated with GU Health. Most health funds only provide benefits for treatments received in Australia. You should contact GU Health directly for clarification.
All the best,
Richard
How much cost Top Hospital cover for 71 and 69year old
Hi Valentin,
Thanks for your question.
Finder is a comparison service and we do not currently have GU Health as part of the panel of health funds we compare. If you would like to get a quote from GU Health, you will need to contact them directly. If you would like to get a quote from an adviser for the brands in our panel, you can do so by completing the contact form on the health insurance homepage.
All the best,
Richard