Best health insurance coverage Australia - how do I know I am getting the best?

Choosing which health insurance to go with is an important decision - it can be hard to know which policy is going to give you the coverage to suit your needs, at the right price. The right health insurance company should offer you a wide selection of plans that will fit your specific needs and make your entire experience as smooth as possible from purchasing your cover to managing it.

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.

It is worthwhile considering the following criteria to make sure you have best health insurance coverage available in Australia:

  • Does your health insurance provide you with the best health insurance coverage you need? What level of hospital coverage is included and are extras that are included the ones that you will use on a regular basis?
  • Does your health insurer offer a large number and wide range of covers that suit your needs now and in the future at the right price? It is important that you can choose a plan that suits your needs and that you can choose the extras that you will use all within your budget.
  • Is your provider easy to find and communicate with? Health insurance often can raise questions for many consumers, so you want a health insurance company that is accessible to its customers through various different avenues such as through email, website and over the phone.

Why do I need hospital cover?

Medicare is publically funded and is limited to allow for only certain kinds of treatment. So for instance, you are being treated as a public patient in a public hospital, you do not get to choose your own doctor. Whereas with private hospital cover you get to choose your own doctor in either a public or private hospital. Private health insurance also covers all costs from hospital accommodation to diagnostic tests that are not covered by Medicare.

Why do I need extras cover?

Extras cover is different to hospital cover as it provides benefits towards treatments that do not take place in hospital. To make sure you are getting the best health insurance coverage in Australia make sure you research all the different plans that are on offer as you need to choose the one that suits your individual needs and budget. Some of the extras offered are dental, optical, physiotherapy, pharmacy, occupational therapy, myotherapy and lots more. There are often waiting periods on some of the extras so it is important to enquire when joining a new health insurance plan.

Finding the best health insurance coverage for yourself can be difficult but at GMHBA we remove the trouble by offering you a wide selection of high quality covers which you can choose from that will suit your individual needs all with great customer service. At GMHBA we are committed to explaining the ins and outs of health insurance so that you are fully informed about your cover.