Understanding how unused limits rollover
- You join GMHBA SmartCare Starter Extras cover on 15 August 2025.
- In 2025 you only claim $200 on included servicesmout of your $500 Smart Limit.
- Your annual limits reset on 1 January 2026. Since you are on SmartCare Extras only, there will be no rollover of your unused $300.
- Your new $500 Smart Limit becomes available on 1 January 2026.
- You join GMHBA SmartCare Starter Extras cover and combine it with Hospital cover on 15 August 2025.
- You’ll be eligible for annual limit rollover on 15 August 2026 (after 12 months of continuous cover).
- In 2026 you claimed $150 on included services out of your $500 Smart Limit.
- Your annual limits reset on 1 January 2027. You have $350 of your unused 2026 Smart Limit that can rollover.
- Your new $500 Smart Limit becomes available on 1 January 2027.
- Your total available Smart Limit for 2027 is now $850^ ($500 + $350 rolled over from 2026).
^Unused eligible annual limits roll over on January 1st and expire after 12 months. New year's annual limit is used before annual limit rollover limit is accessed (not including optical).
^Pricing based on Single, aged 30 living in VIC earning $105,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
SmartCare Extras Range
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Basic Plus Starter Hospital and SmartCare Starter Boost Extras
FROM$ 26 .15
Hospital Excess $750HOSPITAL FEATURES-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Dental surgery
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Joint reconstructions
EXTRAS FEATURES-
100% back on preventative dental and optical
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60% back on other claims
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Annual limit rollover
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Bronze Plus Core Hospital and SmartCare Starter Boost Extras
FROM$ 32 .30
Hospital Excess $750HOSPITAL FEATURES-
Upgraded cover in the event of an accident
-
Excess waiver for same day stays
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Ear, nose and throat
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Bone, joint & muscle
EXTRAS FEATURES-
100% back on preventative dental and optical
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60% back on other claims
-
Annual limit rollover
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Bronze Plus Core Hospital and SmartCare Everyday Boost Extras
FROM$ 37 .50
Hospital Excess $750HOSPITAL FEATURES-
Upgraded cover in the event of an accident
-
Excess waiver for same day stays
-
Ear, nose and throat
-
Bone, joint & muscle
EXTRAS FEATURES-
100% back on preventative dental and optical
-
60% back on other claims
-
Annual limit rollover
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Smart, like SmartCare Extras
Here's some of the ways we're putting 'smart' into extras cover:
No matter which SmartCare Extras cover you pick, you'll get 60% back on physio, osteo and other included services up to your annual or sub-limit amount.
No matter how many people are on your policy, each of you get your own limit to spend your way across included services.
Visit a recognised dentist of your choice and get 100% back on dental check-ups and cleans, up to your sub-limit or annual limit amount.
*Annual/sub-limits & waits apply. Excludes major & orthodontic. Recognised providers only.
Found a provider you and the family love? There's no preferred extras providers list with GMHBA, so as long as they're a registered provider, you'll get the same benefits back.
Canstar approved, four years in a row!
GMHBA has done it again with Canstar’s 2025 Winner of Outstanding Value Award – Hospital & Extras Insurance: VIC. We are proud to provide Australians with 5 star health cover for our hospital and extras products.
Switching to GMHBA
Find the right cover for you
View our range of hospital and extras products, and choose the cover that best suits your needs.
We'll do the paperwork
That's right - we’ll take care of cancelling your old membership, request the transfer certificate from your old insurer and handle all of the paperwork for you.
You won't re-serve waiting periods*
Join on the same or lower level of cover within 30 days of your previous cover ceasing, and we will recognise waiting periods served with your old insurer.
*Waiting periods apply for increased cover.
Take your unused extras into next year*
