At GMHBA we've been driven by the belief that health insurance should be run to benefit members, not shareholders.

We're committed to providing the best health cover that delivers real value for our members and helps build a healthier community for everyone.

That's why we support our local sporting clubs and events such as the Pier to Pub and provide free health seminars and fitness sessions.

Health insurance is not always cheap and premiums may vary based on exclusions, excess levels and co-payments. The best health insurance isn't always the most expensive and the cheapest isn't always worth the saving.

What's really important is the value you get for the money you pay. With GMHBA we provide choice and flexibility and have covers tailored to your lifestyle.

We understand that you don't want to pay for things you don't need. That's why we've designed a new range of tailored health covers that give you more choice and flexibility.

We've simplified all our Hospital and Extras cover by introducing 3 levels for you to choose from:

  • Gold
  • Silver and
  • Bronze

Join GMHBA today and get 1 month free on combined covers^ ends 30 Sep 2016

  ^For new members on direct debit, must pay first month to get second month free. Offer ends 30 September 2016

* The price shown is per week and applies to a {LIFESTAGE} living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate


Choose Gold hospital and have the choice and flexibility of removing pregnancy or adding Gap saver. Or don't quite need that much coverage? Take a look at our silver hospital, a moderate level of cover it includes most common treatments and services in a participating private hospital.

Finally if you want it for reassurance take out our bronze hospital. This basic cover gives you access to a range of common treatments in a public hospital with some exclusions.


With our new extras products have the choice of choosing from set benefits or percentage back.

Set Benefits – When you receive treatment for a covered extras service you will receive a set amount back, known as a set benefit.

Percentage Back- The percentage back option gives you the certainty of receiving 55%, 65% or 75% back when you claim up to annual limits.

There are many reasons to take out health cover that include:

  • Avoiding the Medicare Levy Surcharge if it applies to you
  • Locking in your Lifetime Health Cover loading or
  • Having the best health coverage for total peace of mind and protection

At GMHBA no matter your reason we've got the best health cover to suit you and your family's needs and budget.

GMHBA's customer satisfaction is what keeps us competitive against larger, more commercially oriented funds. It's rated one of the best among all the Australian private health insurers and we're proud of our string of customer service awards.

Many of our members have joined us from our bigger 'for profit' competitors and we frequently hear they love that a local person always answers the phone, never a machine.

Experience the difference at GMHBA today.