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.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
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Under 65
65 - 69
70 or older
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This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
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Combined (Extras + Hospitals)
Extras
Hospital
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*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
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Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
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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.
Why you can trust Finder's health insurance experts
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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 was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 729 Finder guides across topics including:
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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.