60 Day Money Back Guarantee - For new members, we will refund any premiums paid as long as you haven’t made a claim.
Health insurance for families
^Pricing based on Family, aged 30 and 30 living in VIC earning $186,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
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Bronze Plus Advantage Hospital & Mid Extras Set Benefits
FROM$ 68 .00
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per week
Hospital Excess $750-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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$1,500 to claim on dental each year, sub-limits apply
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$300 to claim on optical at GMHBA Eye Care ($200+$100 bonus)
All the benefits of our Bronze Plus Hospital cover, powered up for Back, Neck & Spine plus set benefits extras paid on preventative and major dental, optical, physiotherapy and remedial massage.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination
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Silver Plus Hospital & Mid Extras Set Benefits
FROM$ 85 .95
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per week
Hospital Excess $500-
No excess for dependants under 21
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Excess waiver for same day stays
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$1,500 to claim on dental each year, sub-limits apply
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$300 to claim on optical at GMHBA Eye Care ($200+$100 bonus)
A popular choice for established families looking for cover on a range of services with some exclusions to keep costs down plus set benefits paid on preventative and major dental, optical, physiotherapy and remedial massage.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination
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Silver Plus Premium Hospital & Mid Extras Set Benefits
FROM$ 105 .10
-
per week
Hospital Excess $750-
No excess for dependants under 21
-
Excess waiver for same day stays
-
$1,500 to claim on dental each year, sub-limits apply
-
$300 to claim on optical at GMHBA Eye Care ($200+$100 bonus)
High level cover with minimal exclusions plus set benefits paid on preventative and major dental, optical, physiotherapy and remedial massage.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination
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What is AIA Vitality?
The globally renowned health & wellbeing program that rewards you for healthy behaviours.
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Up to $500 in shopping rewards per membership year at Myer, Woolworths, rebel, Bunnings, House, Amazon and Ticketmaster
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Up to 50% cash back on the base fare of eligible Virgin Australia flights
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Up to 50% off endota spa e-Gift Cards
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Up to 50% off selected gym memberships includes Virgin Active, Fitness First and Goodlife
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The cost of AIA Vitality is $10 per month per eligible adult, less 5% discount off your health insurance and AIA Vitality package. For more information: https://www.gmhba.com.au/aia-vitality
The health insurance product may be purchased without AIA Vitality by calling 1300 446 422.
Lifetime Health Cover (LHC)
The Lifetime Health Cover (LHC) loading is a Government loading on your private hospital cover premiums. It was introduced on July 1, 2000 to encourage people to take out private hospital cover earlier, and to maintain their cover.
Understanding what services are covered
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Included
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Not Included
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Restricted
Restricted services are limited to a minimum (default) benefit as set by the Australian Government for accommodation as a private patient in a shared room of a public hospital. The benefit does not cover the cost of a private room in a public hospital or any room in a private hospital, and does not cover theatre costs. If you are admitted to a private hospital for treatment that is restricted by your policy, large out of pocket expenses will apply.
Waiting Periods
Hospital services
A waiting period is the time between joining GMHBA and when you're covered for a hospital treatment.
Waiting Period: 0 days (accidents must occur after joining)
Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover.
Waiting Period: 2 months
Any other benefit for hospital (or hospital substitution) treatment unless otherwise stated.
Waiting Period: 12 months
Obstetrics and maternity, pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care).
Pre-existing conditions
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Waiting Periods
Extras services
A waiting period is the time between joining GMHBA and when you're covered for a treatment or service.
Waiting Period: 2 months
Any services that are not specified below.
Waiting Period: 6 months
Optical, home and domestic aids and medical aids.
Waiting Period: 12 Months - Major dental services
Including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth (including wisdom teeth).
Waiting Period: 12 Months - Health appliances
Including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot).
Why choose GMHBA?
As a not for profit health insurance and care company, we’ve been supporting members for 90 years. Our size may have changed but who we are remains the same. Your health and wellbeing are always put first because we want to make sure you get personalised cover for the moments that matter.
Whatever stage of life you’re at, we’re here for you.
New to health insurance?
We understand that getting health insurance for the first time can be overwhelming. That’s why we’ve put together a four step guide to help you get started.
Switching to GMHBA
Find the right cover for you
View our range of hospital and extras products,and choose the cover that best suits your needs.
We'll do the paperwork
We’ll cancel your old membership, request the transfer certificate from your old insurer and handle all of the paperwork for you.
You won't re-serve waiting periods*
We'll recognise the waiting periods at your previous fund.
*Waiting periods apply for increased cover, must join within 30 days of ceasing your previous cover.
Family Cover FAQs
With any type of private health insurance when it comes to choosing the best cover there are many factors to consider, such as your lifestyle, budget, age of children and what matters most to you.
The age of your children is also important as most health insurance providers will cover for children under a family policy until the age of 21. If your child turns 21 and is studying full time they can register as a student dependent and remain on your policy till the age of 25.
Whether you’re a family of 2 or 5, the amount you pay won’t change. The cost is determined by the level of cover and extras you choose.
If you’re looking for specific inclusions, such as pregnancy, they may only be found on certain levels of cover which will influence your decision and the amount you pay.
Private health insurance can be a valuable investment for any family. It means peace of mind for the health and wellbeing of your brood.
Hospital cover gives you a choice of specialist and may reduce wait times for treatments in a private hospital. And with extras cover you can maintain your family’s dental and eye health with the ability to reduce your out of pocket costs.
Need some help?
Can't find what you are looking for? Visit our help page or contact our friendly customer service team.