GMHBA Health Insurance

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Silver Everyday Package

An affordable cover for common hospital and extras treatments, excluding some procedures to help keep premiums down. Don’t pay for treatments you aren't likely to need, whilst feeling assured that your family has excellent cover for common treatments and services.

Mid Hospital

Top Hospital

Mid Extras

Mid Extras

Great Value

Great Value

Silver Everyday Package starts at

$36.70 per week

for a single in VIC with $250 excess. This price assumes a 30% Federal Government Rebate and no LHC loading.

This cover may suit you if:

  • You need both hospital and extra cover
  • You want obstetrics cover, but don't want to pay for other services you're unlikely to need
  • You want the option of a private room, but are happy to pay a co-payment to keep your premium down
  • You want cover in a private hospital
Top Hospital

Top Hospital

Be covered for a wide range of treatment types, including obstetrics and fertility services (waiting periods and benefit limitation periods still apply). Co-payments also help reduce the price, whilst still giving you the option to be treated in a single room^ if you prefer. Have the peace of mind that you're covered by one of GMHBA's best hospital covers.

Mid Extras

Mid Extras

Perfect for those who want extras cover, but don’t require higher annual limits. Be covered for the services you’ll use, but don’t pay extra for the larger refunds and annual limits that come with top cover. GMHBA’s Mid cover range includes great everyday extras to suit most lifestyles.

Great Value

Great Value

At GMHBA we believe that great value means getting the most back for your money, whilst not paying for extra services and options that you don't expect to use. We've developed our covers to suit many common lifestages, so that singles, couples, families and single parents can all find great value health insurance.

What's covered

Hospital cover component
Private hospital accommodation in a shared room* Cataract & corneal transplants
Partial cover in a single room^ Dental implants
Theatre Joint replacement
Same day treatment Gastric banding & all obesity surgeries
Accidents Haemodialysis
Medical gap cover
Intensive and coronary care
Psychiatric3
Rehabilitation
Obstetrics, delivery suite, IVF & related services
Joint reconstruction
Surgically implanted prostheses (Government Prostheses List group benefits)2
Extras component
Acupuncture Naturopathy
Audiology Nebuliser pump
Blood glucose monitor Occupational therapy
Chiropractic Optical
Dental (General and Major) Orthopaedic appliances (GMHBA approved)
Dietetics Osteopathy
Extremity pump Pharmacy - Private script
Eye therapy Physiotherapy
Dietary fluoride supplement Podiatry - Consultation
Foot orthotics Podiatry - Surgical procedures
Pressure garments (GMHBA approved) Prostheses (GMHBA approved non-surgical)
Hearing aids Psychology
Home nursing - Visiting/Bush/Private Nursing Service Sleep apnoea monitor
Homeopathy Speech therapy
Hydrotherapy Tens monitor
Myotherapy
These services are only available under Connect Rewards Plus1
Ambulance Remedial Massage
  1. Remedial massage benefits and reimbursement of Victorian Ambulance Subscription are only available under Connect Rewards Plus when you take out combined hospital and extras cover. More information is available in the Important Information section of the GMHBA member guide

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

Excess

Admission type Excess
Admission excess (private hospital - overnight) $250
Admission excess (public hospital or day stay) $125
Maximum annual excess - per person $250
Maximum annual excess - singles $250
Maximum annual excess - families $500

To find out more about excess payments see the Excess page.

An excess applies for child dependants under 21 on the Silver Everyday Package.

Benefit limitation periods

A 24 month benefit limitation period applies to the following service:

  • Psychiatric

More information on benefit limitation periods can be found within the Important Information section of the GMHBA Member Guide.

Waiting periods and pre-existing conditions

Waiting periods and rules around pre-existing conditions apply to all GMHBA's Hospital covers, including the hospital components of the packages. 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.

  1. Limited benefits may apply to cosmetic surgery and high cost drugs. Drugs purchased outside of the hospital are not included
  2. Benefits are no higher than the No Gap Government prescribed benefit
  3. A benefit limitation period of 24 months applies, see the Waiting periods page for more information

*Other private hospitals
Fixed benefits are payable in non-participating private hospitals

^Partial coverage, co-payments apply. Please note: Some Private Hospitals only have single rooms and co-payments will apply.