Looking for cover with GU Health? Compare the Grand United Corporate Health difference
When it comes to your health, having the freedom to get the medical care and treatment you need whenever you need it is hugely important. This is the power that private health cover gives you, ensuring that you and your loved ones are looked after no matter what health obstacles you may face.
Grand United Corporate Health, or GU Health for short, is Australia’s only specialist corporate health insurer. With a focus on providing innovative and affordable health insurance solutions to corporates, GU Health can offer tailored cover and is part of the Australian Unity Group.
As GU Health is a corporate insurance specialist, its policies are offered by a range of companies across Australia. Its employer-funded health plans are designed to offer superior benefits and can be tailored to the needs of different corporate entities.
The insurer boasts some of the most attractive returns in the industry, with an average return of 73.6% on extras services compared to the industry average of 48.1%. It also offers a high level of comprehensive hospital cover when you are admitted to hospital, and unlike retail health funds it focuses solely on employer-funded health insurance solutions.
Cover is available through your employer or, if you’re an individual searching for the right private health insurance, you can contact GU Health on 1800 249 966 from 8:30am and 5pm Monday to Friday (EST) for more information.
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 and benefits of its cover options.
Depending on your policy, GU Health usually covers hospital accommodation and theatre fees 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 cover for information that relates specifically to your cover.
The insurer offers benefits for an extensive range of inpatient services you receive while in hospital, covering the difference between the portion of your bills covered by Medicare and the Medicare Benefits Schedule. It also runs an Access Gap Cover scheme to reduce, and in some cases remove altogether, your out-of-pocket costs for specialist treatment in hospital.
Covered treatments can include accidental injuries, maternity services, assisted reproductive services, dental surgery, pharmaceuticals in hospital, surgically implanted prostheses, psychiatric care and hospital care at home. Depending on which Australian state or territory you reside in and the level of hospital cover you choose, you will also receive full ambulance cover or cover for emergency transport only.
When it comes to 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 are payable for services such as general and major dental, orthodontic, optical, physio, chiropractic, natural therapies, pharmaceuticals, aids and appliances, health management services and more.
Are there any additional benefits?
GU Health members can enjoy a wide range of discounts from some of the health fund’s partners, including:
- 20% off clothing and accessories with Brooks Running.
- Specially negotiated travel insurance premiums with ACE Travel Insurance.
- Save up to $50 on hundreds of brands from OnSport.
- Save 10% with The Hamper Emporium
- Save 20% off bras from Moving Comfort
Some people are unaware that the amount of their medical expenses which are covered can vary depending on their condition and the treatment provided. The chart below shows what GU Health will pay on claims for a number of medical services and procedures, and includes Medicare's (MBS) benefit amounts for comparison.
GU Health is represented on the chart as AHSA, which is an organisation comprised of a number of Australian health funds located all over the country:
|Basal Cell Carcinoma or Squamous Cell Carcinoma removal from nose, eyelid, lip, ear, digit or genetalia||$221.35||$366.10|
|Breast, benign lesion surgical biopsy of excision||$260.05||$356.40|
|Carpal Tunnel Release||$276.80||$440.20|
|Complicated Delivery (of baby)||$1,629.35||$1,855.90|
|Coronary Artery Bypass||$2,200.00||$3,783.30|
|Femoral on Inguinal Hernia||$464.50||$909.70|
|Overnight investigation for sleep apnoea||$588.00||$682.20|
|Tonsils or Tonsils and Adenoid||$295.70||$513.90|
|Uncomplicated Delivery (of baby)||$693.95||$1,484.50|
I recognise most of these funds except for the AHSA, what is that?
The funds represented by the ASHA are:
- ACA Health Benefits Fund
- Australian Unity Health Limited
- CBHS Health Fund Limited
- CUA Health Limited
- Defence Health
- GMF Health
- Budget Direct Health Insurance
- Frank Health Insurance
- GU Health
- HBF Health Ltd
- Health Care Insurance Limited
- Health Insurance Fund of Australia Limited
- Health Partners
- Navy Health
- Peoplecare Health Insurance
- Phoenix Health Fund
- Police Health Limited
- Queensland Country Health Fund Limited
- Reserve Bank Health Society Ltd
- rt health fund
- Teachers Health Fund > UniHealth Insurance
- Teachers Union Health
- The Doctors' Health Fund Pty Ltd
- Transport Health
Like all other private health funds, there are a range of situations when GU Corporate Health will not pay a benefit, including:
- If your premium payments are not up to date.
- If your claim is for treatment or services received outside Australia.
- If your claim is for treatment received at least two years prior to the date you lodge your health insurance claim.
- If you have already reached your annual benefit limit or lifetime benefit limit.
- If your claim is for high-cost drugs or pharmaceuticals not covered under the Pharmaceutical Benefits Scheme.
- If you are not being treated for any specific health condition.
- If your claim is for treatment and services from a provider not recognised by GU Health.
- If your claim is for services that aren’t delivered in a one-on-one consultation.
- If you receive two or more of the same consultations, from the same provider, on the same day.
- If your claim is for services received from a provider who is a member of your family or your partner’s family.
- If you are able to recover costs from a third party, such as an authority or another form of insurance.
- If your claim is for treatments or medical services required as part of your application for employment.
- If your claim is for treatments rendered in a nursing home.
- If your claim is for treatment that GU Health does not deem appropriate or reasonable.
- If your claim is for cosmetic surgery or surgical podiatry.
- If you are treated in hospital as an outpatient, for example treatment you receive in an emergency room.
- If your claim is for pharmaceuticals that are not directly related to the reason for your hospital admission.
- If your claim is for personal expenses incurred in hospital, such as TV rental fees, newspapers and phone calls.
Finally, it’s also important that you’re fully aware of the waiting periods that apply to your health cover. While many hospital and extras benefits only require you to serve a two-month waiting period, there are some benefits, such as treatment for pre-existing conditions, that require you to serve a 12-month waiting period.
Grand United Corporate Health Insurance Excess
An excess is an amount you pay as a method of contributing to the cost of your hospital cover and some healthcare treatments. Depending on the policy you choose, the excess may apply on a per person or a per membership basis. GU Health also offers cover options that offer nil excess, although policies with higher excesses do attract lower premiums. Under most hospital cover policies offered by GU Health, the policy excess must be paid by the first person on your membership who is admitted to hospital during the year.
GU Health offers a range of non-resident cover options for individuals and their families who are visiting Australia on a visa. These policies provide cover for everything that an Australian resident would be eligible to receive cover for from Medicare.
For services that feature an MBS item number, members can receive up to 100% of cover for medical services received both in and out of hospital, including x-rays, ultrasound services and pathology. Hospital accommodation, intensive care, theatre fees, drugs, prostheses, diagnostic tests and more are all claimable as well.
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 three 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 treating 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.
Q. Can I register a student dependent on my policy?
- A. Yes, GU Health allows you to take out cover for a child of you or your partner who is aged from 21-24 years of age, studying fulltime, does not have a partner and is financially dependent on you.
Q. What is GU Health’s Member Support Program?
- A. 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.
Q. How many corporates does GU Health provide cover for?
- A. GU Health offers tailored insurance solutions for the employees of more than 300 companies around Australia.
Q. How can I find a doctor or hospital?
- A. If you want to find a doctor who participates in GU Health’s Access Gap Cover scheme or a hospital that has an agreement with GU Health, use the ‘Find a Provider’ feature on the GU Health website.
Compare more health insurance policies and get the cover that's right for you
GU Health’s range of cover solutions can help ensure that you can access the medical care and treatment you need whenever it is required. However, it’s always a good idea to compare all your options before you choose the right insurer and individual policy for your special requirements.