Compare Hospital Covers

This table gives you a quick comparison of what each hospital cover does and doesn't cover, along with whether it is covered in a public or private hospital. Please read this table in conjunction with the rest of the GMHBA Member Guide before making your decision about which cover is right for you.

Legend

Tick Cover is provided in a participating private hospital
Cross No benefits payable
Box tick Public hospital cover as a private patient only. Not recommended for private hospital treatment.
# Partial Coverage, a co-payment of $100 per day applies up to a maximum of $700 per admission.
^ Benefits for a single room in a public hospital will result in significant out-of-pocket expenses.
Quick hospital cover comparison Platinum Hospital Gold Hospital Single Parents Silver Hospital Bronze Hospital
Accidents Tick Tick Tick Tick Box tick
Single Room Guaranteea Tick Cross Cross Cross Cross
Accommodation - single room (where available) Tick Tick # # ^
Accommodation - shared room Tick Tick Tick Tick Box tick
Admission excess waiver for child dependants aged under 21 Tick Tick Tick Cross Cross
Broader Health Cover Tick Tick Tick Tick Box tick
Cataract surgery and corneal transplantsb Tick Tick Tick Cross Box tick
Cosmetic surgeryb (limited benefits - refer to Member Guide) Tick Tick Tick Cross Box tick
Delivery suiteb Tick Tick Cross Cross Box tick
Dental Implants Tick Tick Cross Cross Box tick
Gastric banding and all obesity surgeriesb Tick Ticke Tick Tick Box tick
Haemodialysisb Tick Ticke Tick Tick Box tick
Intensive and coronary careb Tick Tick Tick Tick Box tick
IVF and related servicesb Tick Tick Cross Cross Box tick
Joint reconstruction e.g. kneeb Tick Tick Tick Tick Box tick
Joint replacement e.g. hipb Tick Tick Tick Cross Box tick
Medical gap cover Tick Tick Tick Tick Box tick
Medical gap cover - increased benefits Tick Cross Cross Cross Cross
Nursing home type patientsd Tick Tick Tick Tick Box tick
Obstetricsb Tick Tick Cross Cross Box tick
Other agreed chargesc Tick Tick Tick Tick Box tick
Participating private hospital Tick Tick Tick Tick Cross
Psychiatric Tick Ticke Ticke Ticke Box tick
Rehabilitation Tick Tick Tick Tick Box tick
Same day treatmentb Tick Tick Tick Tick Box tick
Surgically implanted prosthesesf (Govt. prescribed benefits) Tick Tick Tick Tick Box tick
Theatreb Tick Tick Tick Tick Box tick

a We will pay you $50 per day (up to a maximum of $150 for three days) if you stay in a shared room when you requested a single room. This is only available for overnight accommodation in a Private Hospital. Day stays are ineligible for this payment.

b A pre-existing condition (PEC) 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 cover or upgraded to a higher level of hospital cover and/or benefit entitlement. Please refer to the important information section of the GMHBA member guide for more information.

c Limited benefits may apply to high cost drugs. Drugs purchased outside of the hospital are not included.

d If the fund believes that a patient, following a review of the case (on the basis of information provided by the hospital either internally or using an agreed independent source), is not receiving acute care after 35 days continuous hospitalisation, GMHBA benefits will be reduced to Nursing Home Type Patients benefits and will be paid in accordance with the default benefit determined by the Health Department. All Nursing Home Type Patients are required to pay part of the cost of hospital accommodation.

e During the first 24 months of cover (after the standard hospital waiting periods have been served), benefits payable for these services will be limited to Public Hospital benefits only. Please refer to the Member Guide for more information.

fBenefits are no higher than the No Gap Government prescribed benefit.

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Fit Packages - Hospital Coverage - All Australian Residents

FIT Products Hospital Comparison Table

This table provides a quick comparison of the main features of the hospital component of the Fit packages and must be read in conjunction with the detailed information in this member guide.

FIT Products Hospital Comparison Table Legend