Hospital cover
There are two types of costs associated with private treatment while you're an inpatient in a registered hospital – hospital costs and medical costs.
- Hospital costs are for charges like your bed, your meals and theatre.
- Medical costs are charges from specialists like surgeons, radiologists and anesthetists.
Having hospital cover means your health insurer will help pay these costs.
GMHBA's Hospital cover options
GMHBA offers three levels of hospital cover: top, medium and basic cover. There is a range of covers available at each level. These tables include links to both standalone hospital covers and packaged covers that include hospital cover.
Compare our range of hospital cover options side by side.
Top
cover |
Platinum Hospital
Get more back with higher medical gap cover, no benefit limitation periods, and other premium services on GMHBA's highest level of hospital cover - Platinum hospital.
|
|
Gold Hospital
A high level of cover for a wide range of treatments. Get all the benefits of top cover, healthy start benefits and a dependant excess waiver, without paying for extra premium additions. |
|
|
Fit Ultra Package
This packaged cover includes hospital and extras.
Top-level hospital and top-level extras cover, with extra benefits for sports-related treatments and procedures.
|
|
Fit Top Package
This packaged cover includes hospital and extras.
Top-level hospital cover with mid-level extras, with extra benefits for sports-related treatments and procedures. |
|
Medium
cover |
Silver Hospital
Silver Hospital gives you a moderate level of cover for common treatments in a Private Hospital, excluding a range of treatments and services to help reduce the premium. |
|
Silver Single Parents Hospital
A moderate level of cover for treatments most commonly claimed by single parents. Get private cover with a low fixed excess and a dependant excess waiver. |
|
Silver Everyday Package
This packaged cover includes hospital and extras.
An affordable cover for common hospital and extras treatments, excluding some procedures to help keep premiums down. |
|
Silver Young Singles Package
This packaged cover includes hospital and extras.
The ideal cover for young healthy singles who want cover in a private hospital. |
|
Fit Standard Package
This packaged cover includes hospital and extras.
Fit Standard Package offers active sports enthusiasts cost-effective, mid-level hospital cover with top-level extras cover. |
|
Basic
cover |
Bronze Hospital
Offering an affordable, basic level of cover for treatment as a private patient in a public hospital, Bronze Hospital gives you a reduced premium by excluding certain treatments and services. |
|
Bronze Young Singles Package
This packaged cover includes hospital and extras.
An ideal option if you want to avoid the Medicare Levy Surcharge, lock in your Lifetime Health Cover certified entry age and claim on popular extras services such as dental, optical and physiotherapy. |
|
Fit Entry Package
This packaged cover includes hospital and extras.
Fit Entry Package gives you ‘just in case’ hospital and extras cover designed specifically for healthy and active people. |
|
Which excess level?
You can reduce the cost of your hospital cover by choosing a calendar year excess. There are three different excess levels available:
| Excess |
Single |
Couples & Families |
| Level 0 |
Nil |
Nil |
| Level 1 |
$250 |
$500 |
| Level 2 |
$500 |
$1,000 |
Silver Hospital Single Parents cover is only available with a calendar year excess:
| Cover |
Excess |
| Silver Hospital Single Parents |
$200 |
Our online quote system includes the excess levels so that you can see the differences in price for each level.
Please refer to our Excess page for more information about excess levels.