Switching from another health fund
Switching to GMHBA from another health fund may be easier than you think. Not only is it a simple process, but we can help make sure that you aren't left without cover for any period of time, or have to re-serve any waiting periods.
No need to re-serve waiting periods
Switch to us within 30 days of leaving your current fund and you are unlikely to have to re-serve any waiting periods. That means that you can continue to claim for anything that you were already covered for with your previous fund. You won’t have to re-serve any waiting periods provided that you:
- Have served all waiting and benefit limitation periods with your previous fund;
- Transfer to any equivalent or lower level of cover providing you transfer within 30 days of your membership ceasing with your previous fund.
- Provide GMHBA with an acceptable transfer certificate and claims history issued by your previous fund within seven days of transferring your cover.
GMHBA recommends that your cover starts immediately after your previous cover ends.
When waiting periods may apply
If your new cover with GMHBA provides higher benefits or benefits for services not covered by your previous fund, you’ll be regarded as a new member for those higher benefits, and/or additional services and will be required to serve the waiting and benefit limitation periods – but only for the higher benefits/additional services.
If you transfer to GMHBA from another fund before completing the waiting and benefit limitation periods with your previous fund, you’ll need to serve the balance of the waiting and benefit limitation periods with GMHBA.
When you transfer to GMHBA your benefit entitlements may be adjusted by benefits already paid by your previous fund. Under lifetime health cover, continuity of a member’s/partner’s certified age at entry (CAE) is possible when transferring from another Australian registered health fund.
To transfer funds and avoid re-serving our waiting periods you need to provide a Transfer Certificate. You can either contact your fund and ask for a Transfer Certificate when you terminate your cover or you can provide us with your previous funds details on your application form and we will contact the fund on your behalf to terminate your cover and obtain a copy of the Transfer Certificate.
If you have any question about switching please do not hesitate to visit one of our branches or phone us on 1300 446 422 Monday to Friday between 8am and 6pm (AEST). One of our friendly staff will help you with your application.