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Bronze Hospital (BHO, BH1, BH2)
Our Bronze Hospital cover provides you with cover as a private patient in a
public hospital. You can avoid the public hospital waiting list and
choose your own doctor. This cover is suitable if you want a basic
level of hospital cover to avoid the Medicare Levy Surcharge (seepage
71 for details) or lock in your certified age of entry for Lifetime
Health Cover (see pages 61-62 for details).
Excess options
Bronze Hospital cover is available with either:
- Level 0 nil excess (BH0) or
- progressively lower premiums in return for excess levels of:
- Level 1 excess (BH1)
- Level 2 excess (BH2)
| Excess options table |
Level 0 nil excess (BH0) |
Level 1 excess (BH1) |
Level 2 excess (BH2) |
| Maximum annual excess - singles |
nil |
$250 |
$500 |
| Maximum annual excess - family |
nil |
$500 |
$1,000 |
The
excess amount is payable once every calendar year. If you don’t
have any admissions to hospital you won’t pay any excess. Unlike
Gold and Silver family hospital covers the excess applies for child
dependants on all Bronze Hospital Covers.
Note:
Hospital
excesses for child dependants aged under 21 are
payable on Public Hospital cover BH1 and BH2.
What’s covered?
Public hospitals
Bronze Hospital cover provides cover for accommodation costs when you’re admitted
to a shared room in a recognised public hospital less your excess if
applicable (subject to bed availability). Limited benefits may apply to
high cost drugs. Drugs purchased outside of the hospital are not
included.
Private hospitals
Fixed benefits are payable for accommodation in private
hospitals. The benefit depends on the type of treatment, accommodation or
surgery received and length of the hospital stay. Additional private hospital
costs such as theatre and delivery suite charges are not covered by Bronze Hospital
cover. Please contact us on 1300 4 GMHBA (46422) for further details.
Additional benefits
In both public and private hospitals, our Bronze
Hospital cover includes benefits for:
- Medical
gap (see Medical
Gap Cover).
- Surgically
implanted prostheses - Government prescribed benefits.
Nursing home type patients – Government prescribed benefits
are available towards non-acute hospital care.
Broader Health Cover
You’ll also be covered for the provision of fund approved
hospital substitution and chronic disease management services. For further
information call us on 1300 4 GMHBA (46422) or visit a branch.
Waiting periods
Please refer to Waiting
Periods regarding
waiting periods and pre-existing ailments.
Please note: Benefits for a private room in a public
hospital or treatment in a private hospital when using Bronze Hospital
cover will result in significant out-of-pocket expenses. For further information
on private patient benefits on Bronze Hospital cover, please
call us on 1300 4 GMHBA (46422) or visit a branch.
Bronze Hospital Young Singles Start Package (BHYSZp)
GMHBA has a new hospital and extras package designed
for young people. For only $9.90* per week, it covers
you for the things you need such as dental, optical, chiro, physio, and
ambulance. So if you want cover ‘just in case’, then get
the Bronze Hospital Young Singles Start Package.
This package is suitable to avoid the Medicare Levy
Surcharge and lock in your certifi ed age of entry for
Lifetime Health Cover.
* Direct debit half yearly premium including Federal Government
30% Rebate on Private Health Insurance. Excludes Lifetime Health Cover
loading.
Exclusions and limits
To make Bronze Hospital Young Singles Start Package (BHYSZp) more affordable, no benefi ts are payable for:
- eye surgery
- gastric banding
- joint replacement
- renal dialysis
- obstetrics and IVF and related services.
Other than these benefit exclusions, GMHBA’s Bronze Hospital Young Singles Start Package (BHYSZp) provides all the benefi ts of Bronze Hospital cover.
Excess
If you’re hospitalised, once you’ve paid the excess you’ll
receive the full benefi ts of Bronze Hospital cover. The
excess is payable once every calendar year. If you pay
the maximum annual excess in a calendar year there are
no more excesses to pay for the remainder of that year
regardless of how many times you may be hospitalised.
If you don’t have any admissions to hospital you won’t pay
the excess.
| Admission
Type |
Excess |
| Maximum annual excess |
$500 |
What’s covered?
Public hospitals
For services not listed under ‘Exclusions’ your Bronze Hospital Young Singles Start Package (BHYSZp) provides
cover for accommodation costs when you’re admitted to
a shared room in a recognised public hospital (subject
to bed availability). Limited benefi ts may apply to high
cost drugs. Drugs purchased outside of the hospital are
not included.
Private hospitals
For services not listed under ‘Exclusions’ fixed benefi ts
are payable for accommodation in private hospitals. The
benefi t depends on the type of treatment, accommodation
or surgery received and length of the hospital stay.
Additional private hospital costs such as theatre and
delivery suite charges are not covered by your Bronze Hospital Young Singles Start Package (BHYSZp). Please
contact us on 1300 4 GMHBA (46422) for further
details.
For services not listed under ‘Exclusions’ benefits for a
private room in a public hospital or treatment in a private
hospital when using this cover will result in signifi cant
out-of-pocket expenses.
Additional Benefits
In both public and private hospitals, your Bronze Hospital
Young Singles Start Package (BHYSZp) includes benefi ts
for:
- Medical gap (see Medical
Gap Cover).
- Surgically implanted prostheses - Government prescribed benefits.
- Nursing home type patients - Government prescribed benefits are available towards non-acute hospital care
Waiting periods
Please explore the links below for information
regarding waiting periods and pre-existing ailments.
*Limited benefits
may apply to high cost drugs. Drugs purchased outside of the hospital are not
included.
Extras
Bronze Hospital Young Singles Start Package (BHYSZp)
provides benefits for services listed in Extras cover under "Zp". These services are not covered by Medicare and
you can claim on the spot using your GMHBA membership
card at more than 20,000 extras providers throughout
Australia.
If you’re in any doubt, please contact GMHBA to find out if
your extras provider is recognised by GMHBA.
Simply click the
downloads link to download brochures with all the up-to-date
information on the benefits, exclusions and limitations of all our
covers!
Click for more
information:
Get a quote
Waiting
Periods
Important
Information
Medical
Gap Cover
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