Compare Combined Package covers

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When selecting which combined cover is right for you, don't forget it is not just about the rate you pay. For hospital cover you should consider which procedures you are likely to use, your life stage and what level of benefits you want along with which extras services you are most likely to use, the frequency, and what you will get back when you claim.

Quick hospital cover comparison tables

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 the table in conjunction with the rest of the 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.
Circle tick Payable at basic (default) level of benefits, which means you'll have significant out-of-pocket costs.
Quick hospital cover comparison Silver Everyday Package Silver Young Singles Bronze Young Singles
Accidents Tick Tick Box tick
Accommodation - single room guarantee1 Cross Cross Cross
Accommodation - private room (where available) Tick Tick Cross
Accommodation - shared room Tick Tick Box tick
Admission excess waiver for child dependants aged under 21 Cross Cross Cross
Broader Health Cover Tick Tick Box tick
Cataract surgery and corneal transplants2 Cross Cross Cross
Cosmetic surgery2 (limited benefits - refer to Member Guide) Cross Cross Boxtick
Delivery suite Tick Cross Box tick
Intensive and coronary care2 Tick Tick Box tick
IVF and related services2 Tick Cross Cross
Joint reconstruction e.g. knee2 Tick Tick Box tick
Joint replacement e.g. hip2 Cross Cross Cross
Medical gap cover Tick Tick Box tick
Medical gap cover - increased benefits Cross Cross Cross
No co-payments Tick Tick Box tick
Nursing home type patients3 Tick Tick Box tick
Obstetrics2 Tick Cross Cross
Other agreed charges Tick Tick Box tick
Participating private hospital Tick Tick Cross
Psychiatric Tick Circle tick Box tick
Rehabilitation Tick Circle tick Box tick
Same day treatment Tick Tick Box tick
Surgically implanted prostheses2 (Govt prescribed benefits) Tick Tick Box tick
Theatre Tick Tick Box tick
Gastric Banding Tick Tick Cross
Renal Dialysis Tick Tick Cross

1 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. Refer to the GMHBA Member Guide for more information.

2 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 Member Guide for more information on PEC waiting periods.

3 If GMHBA 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.

Different States, different rates

The cost of extras services varies from State to State. For this reason, the coverage and price of GMHBA's combined package extras covers also varies. When you're comparing covers, be sure to check that you are referring to the table from your State.

Extras coverage comparison tables

These tables summarise your extras options at a glance using an easy to follow star system. The more stars shown, the better the coverage and benefits.

The GMHBA Member Guide includes a detailed extras comparison table that lists the benefits and standard waiting periods included for each type of extras cover. You can download the detailed comparison in PDF format here. Please ensure that you select the correct PDF for your State.

Detailed Extras Coverage Comparison (Victoria) Detailed Extras Coverage Comparison (all other States)

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You should read the comparison tables in conjunction with the rest of the Member Guide before making your decision about which cover is right for you.

Extras coverage - Victoria

This is the comparison table for Victorian residents. The table for non-Victorian residents is further down this page.

Extras services
(Non-VIC residents)		 Silver Everyday Package Silver Young Singles Package Bronze Young Singles Package
Acupuncture ** * *
Ambulance     ***
Audiology ***    
Blood glucose monitor ***    
Chiropractic ** * *
Dental - General *** ** **
Dental - Major *** ** **
Dental - Dentures *** ** **
Dental - Orthodontics ** ** **
Dietetics ***    
Extremity pump ****    
Eye therapy ***    
Dietary fluoride supplement ****    
Foot orthotics ***    
Hearing aids ***    
Home nursing - Visiting/Bush/Private Nursing Service ****    
Homeopathy *** * *
Hydrotherapy *** * *
Medical aids      
Myotherapy *** * *
Naturopathy ** * *
Nebuliser pump ****    
Nursing aids      
Occupational therapy ***    
Optical *** ** **
Orthopaedic appliances (GMHBA approved) ***    
Osteopathy ** * *
Oxygen      
Personal alarm/monitoring (GMHBA approved)      
Pharmacy - Private script ***    
Physiotherapy *** * *
Podiatry - Consultation ***    
Podiatry - Surgical procedures ***    
Pressure garments (GMHBA approved) ***    
Prostheses (GMHBA approved non-surgical) ***    
Psychology ***    
Remedial massage # # #
Respite      
Sleep apnoea monitor ****    
Speech therapy ***    
Tens monitor ****    
Weight loss programs      

Extras coverage - Non-Victorian residents

This is the comparison table for non-Victorian residents. The table for Victorian residents is above.

Extras services
(Non-VIC residents)		 Silver Everyday Package Silver Young Singles Package Bronze Young Singles Package
Acupuncture ** * *
Ambulance ****   ***
Audiology ***    
Blood glucose monitor ***    
Chiropractic ** * *
Dental - General *** ** **
Dental - Major *** ** **
Dental - Dentures *** ** **
Dental - Orthodontics ** ** **
Dietetics ***    
Extremity pump ****    
Eye therapy ***    
Dietary fluoride supplement ****    
Foot orthotics ***    
Hearing aids ***    
Home nursing - Visiting/Bush/Private Nursing Service ****    
Homeopathy *** * *
Hydrotherapy *** * *
Myotherapy *** * *
Naturopathy ** * *
Nebuliser pump ****    
Occupational therapy ***    
Optical *** ** **
Orthopaedic appliances (GMHBA approved) ***    
Osteopathy ** * *
Pharmacy - Private script ***    
Physiotherapy *** * *
Podiatry - Consultation ***    
Podiatry - Surgical procedures ***    
Pressure garments (GMHBA approved) ***    
Prostheses (GMHBA approved non-surgical) ***    
Psychology ***    
Remedial massage # # #
Sleep apnoea monitor ****    
Speech therapy ***    
Tens monitor ****    
Weight loss programs      

^ Special Care extras is only available when combined with a GMHBA Hospital cover.

# Remedial massage benefits are only available under Connect Rewards Plus.