This cover may suit you if:
- You just need to avoid government surcharges and taxes
- You don’t want to be treated in a private hospital
- You need both hospital and extras cover
- You need to lock in your Lifetime Health Cover loading age
Basic Hospital
Be covered for most treatment types as a private patient in public hospitals. This level of cover is great for those who only need a lower level of cover, or are looking to avoid extra taxes and surcharges. Get the benefits of private health insurance, skip public surgery waiting lists, and have your choice of doctor without paying the premium of comprehensive hospital covers.
Basic Extras
GMHBA's basic extras provides cost effective "just in case" cover for those that don't claim on extras services frequently. Basic benefits and lower limits keep the cost down, whilst still giving great value benefits when you do claim. Why pay for a higher cover with services you won't use and limits that you're unlikely to reach?
Avoid MLS and LHC
If you don’t have private hospital cover and earn over $84,000 as a single or $168,000 as a couple/family, then you may need to pay the Medicare Levy Surcharge (MLS) to help fund the public health system. The easiest way to avoid paying MLS is to take out an eligible level of hospital cover. Bronze Hospital is the least expensive level of cover that exempts members from paying MLS.
If you first take out hospital cover after you turn 30, there’s a good chance that you will have to pay the Government's Lifetime Health Cover (LHC) loading. If you’re looking for hospital cover to lock in your LHC, then Bronze hospital cover is an affordable option to ensure you don’t have to pay extra LHC in the future.
What's covered
| Hospital cover component |
| Public Hospital accommodation in a shared room1 |
Cataract & corneal transplants |
| Theatre |
Obstetrics, delivery suite, IVF & related services |
| Same day treatment |
Joint replacement |
| Accidents |
Gastric banding & all obesity surgeries |
| Medical gap cover |
Haemodialysis |
| Intensive and coronary care |
Private hospital |
| Psychiatric |
Single room^ |
| Rehabilitation |
|
| Dental implants |
|
| Joint reconstruction |
|
| Surgically implanted prostheses (Government Prostheses list group benefits)2 |
|
| Extras cover component |
| Acupuncture |
| Ambulance |
| Dental (General and Major) |
| Homeopathy |
| Hydrotherapy |
| Myotherapy |
| Naturopathy |
| Optical |
| Osteopathy |
| Physiotherapy |
Compare Packaged covers
Compare this cover with the rest of GMHBA's Packaged covers to find one that's right for you.
Connect Rewards Plus
Take out combined hospital and extras cover, excluding Fit Packages, to enjoy the extra benefits of GMHBA’s member loyalty program, Connect Rewards Plus.
The program allows members to accumulate Connect Reward dollars year on year.
The amount of dollars you receive depends on how long you have been a GMHBA member and your level of hospital cover. So the longer you have been with us the more rewards dollars you will receive.
You can then use your Connect Reward dollars to claim on on services not covered, or to reduce, or eliminate out of pocket expenses.
For more information, see the Connect Rewards Plus page