GMHBA Corporate Hospital covers you for medical procedures and hospital stays.
Hospital cover gives you greater control of who treats you, where you’re treated, and importantly, how soon. And it may mean you can avoid additional government taxes and charges.
To help reduce premiums all GMHBA Corporate Hospital covers have standard a $250 admission excess. However, for participating GMHBA Corporate Partners*, GMHBA will refund half your private hospital admission excess.
Choose one of three levels of GMHBA Corporate Hospital cover:
Corporate Executive Hospital
($250 excess#) |
Corporate Mid Hospital
($250 excess#) |
Corporate Base Hospital
($250 excess#) |
- Our top hospital cover for total peace of mind.
- Higher benefits to reduce any medical gap.
- Cover for families or people planning a family.
- Cover for those who only want the best.
- 50% back on your ambulance subscription if you live in Vic, WA, SA, or NT, or 100% if you choose combined cover.
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- Extensive hospital cover - a good option if budget is top of mind.
- Has some services restricted that you might not need to help reduce the premium.
- You're still able to claim for services such as maternity or joint replacement and receive public hospital benefits, just in case.
- 50% back on your ambulance subscription if you live in Vic, WA, SA, or NT, or 100% if you choose combined cover.
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- Avoid government taxes and surcharges.
- Cover as a private patient in a public hospital – exclusions and restrictions apply.
- Private Hospital cover for day stays on applicable services.
- 50% back on your ambulance subscription if you live in Vic,WA, SA, or NT.
Note: Corporate Base Hospital cover must be combined with a Corporate Extras cover.
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Compare hospital products
Download our handy Hospital fact sheet (PDF) and compare the GMHBA Corporate Hospital covers side-by-side.
Excess
| |
Corporate Executive Hospital |
Corporate Mid Hospital |
Corporate Base Hospital |
| Admission excess - private hospital, same day |
$125 |
$125 |
$125 |
| Admission excess - private hospital, overnight |
$250 |
$250 |
- |
| Admission excess - public hospital, admission |
$125 |
$125 |
$250 |
| Maximum annual excess - singles |
$250 |
$250 |
$250 |
| Maximum annual excess - per person |
$250 |
$250 |
$250 |
| Maximum annual excess - families |
$500 |
$500 |
$500 |
| Excess waived for dependants under 21 |
Yes |
Yes |
No |
| GMHBA Corporate refund half the excess for participating Corporate Partners |
Yes |
Yes |
Yes |
Waiting Periods and Benefit Limitation Periods
A waiting period is the time between when you join GMHBA Corporate and when you can start claiming. Waiting periods exist to protect members’ funds from those who wait until they are sick and then join a health fund just to claim large sums immediately.
Waiting periods apply to:
- New members to health insurance (members who have never held hospital or extras cover with a health fund).
- Existing GMHBA members who upgrade to a higher level of cover or reduce their excess payable.
- Members who transfer from another health fund who have not fully served the required waiting period for equivalent benefits.
- Treatment for a pre-existing condition (see Important Information for details).
| Hospital services (when included on cover) |
Waiting period |
| Accidents - Bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover |
No waiting period |
| Obstetrics and maternity |
12 months |
| Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care) |
12 months |
| Other hospital services |
2 months |
| Benefit limitation period applies to psychiatric services on Corporate Mid Hospital only |
24 months |
What are benefit limitation periods?
A Benefit Limitation Period (BLP) is a restriction on benefit entitlements for a particular condition or treatment for a set period of time. After that period of time has elapsed you would normally be entitled to full benefits for that condition or treatment. The BLP commences from the date of joining the hospital cover. Hospital claims during the BLP will attract public hospital benefits in a shared room only, providing the appropriate waiting period has been served. Higher benefits will be available after the BLP has been served and the condition or treatment is not excluded or restricted.