What should I look for when switching hospital health insurance plans?

Switching can be easy

Finding the best hospital health insurance plan to switch to can be surprisingly simple. Switching to GMHBA is easy, and choosing the best cover is even easier. There are many reasons to want to switch hospital covers. It can be to get a better premium price, or better customer service. You may want to look for the best hospital health insurance plan to switch to, to reduce your premiums, or even look for better package options. It may also be that you want to choose a health fund that is not-for-profit, so any surpluses are put back into the quality of their policies.

Perhaps you want a health fund that puts a lot back into the community, or one that has a focus on proactive care. You will find all that at GMHBA, and much more. Once you have found the best hospital health insurance plan to switch to, all you have to do is sign up with us and we can take it from there. Let us know the name of your old fund, the type of cover you had, and your membership number. We will contact your old fund for you, and we will do all the paperwork. Continuity of care can also be important, and we will ensure you won’t have to re-serve your waiting periods if you take out the same level of cover or less. If you change your mind in the first 60 days, we will give you your money back, as long as you haven’t made a claim. And we can even give you an immediate discount, because if you use direct debit, we will charge you 2% less, which is just another reason to find the best hospital health insurance plan to switch to. You can find all the detailed specifics here.

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

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

Choose your own extras provider.*

*With GMHBA, you have the choice to use any extras provider with professional qualifications recognised by GMHBA.

People before profit

Being a not-for-profit health fund, we put people before profit, and that can be clearly seen when looking for the best hospital health insurance plan to switch to at GMHBA. We have three main hospital policies – Gold, Silver and Bronze. They offer different levels of cover and are designed with different budgets in mind. If looking for a low premium is your main reason for searching for the best hospital health insurance plan to switch to, then our Bronze policy could be for you. It covers you for treatments in a public hospital as a private patient, which is how we can keep costs low. There are a few treatments you won’t be covered for, like cosmetic surgery, dialysis, obesity surgery and insulin pumps, but if you are looking for an affordable cover that can still give you peace of mind, then Bronze could be for you.

Our Gold and Silver policies offer cover for treatments in a private hospital, which can help you avoid public hospital waiting lists for elective surgeries. There can be some co-payments with our Silver cover, and some treatments are covered in a public hospital only. Our Gold policy is comprehensive and can give you the peace of mind of knowing you can be covered no matter what life can throw at you. All up, this kind of choice is why GMHBA can be the place to find the best hospital health insurance plan to switch to. For even more choice, mix and match our hospital covers with our extras policies (also called Gold, Silver and Bronze) to tailor a cover for you. Alternatively, check out our Family Packages, which can include a few little extra bonuses.

Another big reason to switch health funds is our commitment to customer service. As mentioned above, we put people first, and that extends to your day-to-day hospital cover. We promise to listen to you and consult with you to understand your needs and deliver truly personal service. We also aim to resolve your enquiry the first time, so you don’t have to call back or keep chasing things up. If you do have to call back, you won’t need to repeat your enquiry, and we will also invite you into our wellbeing program if your claims history suggests it can help you. When it comes to claiming, we will make up to $500 cash available if you submit a paid claim at our branches, and will pay any claims into a nominated bank account the next day, if you want us to.

More than just hospital policies

Finding the best hospital health insurance plan to switch to can be easier when you realise there is more to GMHBA’s hospital insurance than just being covered when you are admitted to hospital. Being healthier together means working with you for your best health outcomes, and that can include at home. Our hospital cover can give you access to a number of health and wellbeing programs, including Hospital in the Home and Rehabilitation in the Home. These hospital substitution programs can help you get home from hospital faster. Our hospital cover can also help you out for Care Coordination Service which can help people with complex health issues from being re-admitted. Members with our hospital cover can also use it for Chronic Disease Management Programs such as Bone Health, Healthy Heart, Diabetes Action Program and Risk Factor Management. It is just another example of how we put people first.