How many corporates does GU Health provide cover for?

GU Health offers tailored insurance solutions for the employees of more than 300 companies around Australia.

What is GU Health's Home Support Services and Programs?

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.

Can I register a dependent student on my policy?

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.

How do I lodge a claim with GU Health?

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.

GU Health review

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GU Health provides tailored corporate health insurance exclusively through employers, not for individuals.
Policies are tailored for employers, offering hospital and extras options, backed by nib.
In 2023, GU Health and nib recorded a slightly higher complaints ratio than their market share.

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. GU Health is part of nib, Australia's fourth-largest health insurer by market share, which agreed to buy it from Australian Unity in September 2017.
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.

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

GU Health is part of the nib Group, so the Ombudsman reports its complaints under nib. Here's how nib stacked up in the 2024–25 State of the Health Funds report:

nib received 9.6% of all complaints, just under its 9.8% share of the market.
That gives it a market-share-to-complaint ratio of 98%, so it drew about as many complaints as its size would suggest.

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GU Health frequently asked questions

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.

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Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

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Written by

Gary Ross Hunter

Journalist

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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. See full bio

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Gary Ross has written 522 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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

Key takeaways

Pros

Cons