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 offers a broad range of hospital covers to suit all lifestages and needs. To explore our range, browse the product information below.

Gold Hospital

Comprehensive hospital cover with access to a wide range of treatments in a participating private hospital. You can tailor your cover to suit your life stage without having to pay for services you are unlikely to need.

With kids, accidents can happen, and with Gold Hospital you pay no hospital excess for child dependants under 21.

Gold Hospital Options

Gap Saver

Increase your medical gap cover with Gap Saver and receive a single room guarantee.

Pregnancy Cover

Have the choice and flexibility to remove pregnancy from your cover if you no longer need it.

Silver Hospital

A moderate level of cover for those who prefer to be covered in a private hospital. To keep costs down, Silver Hospital cover includes a co-payment and excludes a range of services and treatments.

Bronze Hospital

An affordable, basic level of cover for treatment as a private patient in a public hospital. This is an ideal option if you want to avoid the Medicare Levy Surcharge or lock in your Lifetime Health Cover certified age of entry. This basic cover will give you access to common treatments with some exclusions to help reduce the premium.

Waiting periods and pre-existing conditions

Waiting periods and rules around pre-existing conditions apply to all GMHBA's Hospital covers. Please read the Waiting Periods page for a general overview. For more detailed information you should read the Waiting Periods and Pre-existing Conditions section of Important Information in the GMHBA Member Guide.