Compare Hospital covers

   Minimize

When choosing a hospital cover that is right for you, don't forget it is not always about the rate you pay. You should also consider which procedures you are likely to use, your life stage and what level of benefits you want. Exclusions and lower benefit levels lower your premiums so take a look at the table below to compare our hospital covers.

Hospital coverage comparison table

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 provided in participating private hospital
Cross No benefits payable
Box tick Public hospital cover as a private patient only. Not recommended for private hospital treatment.


 

Quick hospital cover comparison PREMIUM HOSPITAL RANGE Everyday Hospital range
GOLD PLUS HOSPITAL SILVER PLUS HOSPITAL Gold Hospital Single Parents Silver Hospital Bronze Hospital
Accidents Tick Tick Tick Tick Tick Box tick
Single Room Guaranteea Tick Tick Cross Cross Cross Cross
Accommodation - single room (where available) Tick Tick Tick Tick Tick Cross
Accommodation - shared room Tick Tick Tick Tick Tick Box tick
Admission excess waiver for child dependants aged under 21 Tick Cross Tick Tick Cross Cross
Broader Health Cover Tick Tick Tick Tick Tick Box tick
Cataract surgery and corneal transplantsb Tick Cross Tick Tick Cross Box tick
Cosmetic surgeryb (limited benefits - refer to Member Guide) Tick Cross Tick Tick Cross Box tick
Delivery suite Tick Cross Tick Cross Cross Box tick
Gastric banding Tick Tick Ticke Tick Tick Box tick
Haemodialysis Tick Tick Ticke Tick Tick Box tick
Intensive and coronary careb Tick Tick Tick Tick Tick Box tick
IVF and related servicesb Tick Cross Tick Cross Cross Box tick
Joint reconstruction e.g. kneeb Tick Tick Tick Tick Tick Box tick
Joint replacement e.g. hipb Tick Cross Tick Tick Cross Box tick
Medical gap cover Tick Tick Tick Tick Tick Box tick
Medical gap cover - increased benefits Tick Tick Cross Cross Cross Cross
No co-payments Tick Tick Tick Tick Tick Box tick
Nursing home type patientsd Tick Tick Tick Tick Tick Box tick
Obstetricsb Tick Cross Tick Cross Cross Box tick
Other agreed chargesc Tick Tick Tick Tick Tick Box tick
Participating private hospital Tick Tick Tick Tick Tick Cross
Psychiatric Tick Tick Ticke Ticke Ticke Box tick
Rehabilitation Tick Tick Tick Tick Tick Box tick
Same day treatment Tick Tick Tick Tick Tick Box tick
Surgically implanted prosthesesb (Govt. prescribed benefits) Tick Tick Tick Tick Tick Box tick
Theatre Tick Tick Tick Tick Tick Box tick

a We will pay you $50 per day (up to maximum of $150 for 3 days) if you stay in a shared room when you requested a single room. See page 67 for more details.

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 pages 66 and 68 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.