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.
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.
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 2023 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 higher complaints ratio than its market share – 10.1% to 9.6%.
GU Health/nib had a larger complaints ratio than a handful of other insurers including Bupa, Westfund and HBF.
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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 Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.