What is Bronze Hospital cover?
Bronze Hospital cover is a low to mid-level tier private hospital insurance for the essentials. Perfect if you're young, healthy, or watching your budget.
Understanding hospital cover levels
Hospital cover comes in four simple tiers: Basic, Bronze, Silver, and Gold. Each tier covers certain services, making it easy to compare across health funds. See a 'Plus' option? That means you get some bonus services without the jump to the next level.
Benefits of private hospital cover
With private hospital cover, you have the option of being treated as a private patient, often within a private hospital.
Hospital cover gives you the option to choose your own doctor or specialist and you can avoid the public hospital waiting list by receiving treatment in a private hospital.
Earn over $101k as a single or $202k as a couple? Did you know that getting hospital cover may save you money at tax time?
^Pricing based on Single, aged 30 living in VIC earning $101,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
Compare our Bronze covers
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Bronze Plus Hospital
FROM$ 24 .10
Hospital Excess $750Everyday value cover for a range of procedures with exclusions-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Bone, joint & muscle
-
Blood
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Bronze Plus Advantage Hospital
FROM$ 24 .35
Hospital Excess $750Our most comprehensive Bronze Plus cover which balances peace of mind with great value-
Upgraded cover in the event of an accident
-
Excess waiver for same day stays
-
Plastic & reconstructive surgery (medically necessary)
-
Back, neck & spine
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Bronze Plus Hospital and SmartCare Starter Boost Extras with sub-limits
FROM$ 29 .00
Hospital Excess $750HOSPITAL FEATURES-
Upgraded cover in the event of an accident
-
Excess waiver for same day stays
-
Bone, joint & muscle
-
Blood
EXTRAS FEATURES-
100% back on preventative dental and optical
-
60% back on other claims
-
Annual limit rollover
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Annual limit rollover
- Optical
- General dental
- Major dental
- Orthodontics
- Physiotherapy
- Chiropractic
- Osteopathy
- Remedial massage
- Acupuncture
- Myotherapy
- Podiatry
- Orthotic appliances (foot)
- Psychology
- Mental health support
- Audiology
- Hearing aids
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Pressure garments
- Prostheses (non-surgical)
- Orthopaedic appliances
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Bronze Plus Advantage Hospital and SmartCare Starter Boost Extras with sub-limits
FROM$ 29 .25
Hospital Excess $750HOSPITAL FEATURES-
Upgraded cover in the event of an accident
-
Excess waiver for same day stays
-
Plastic & reconstructive surgery (medically necessary)
-
Back, neck & spine
EXTRAS FEATURES-
100% back on preventative dental and optical
-
60% back on other claims
-
Annual limit rollover
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Annual limit rollover
- Optical
- General dental
- Major dental
- Orthodontics
- Physiotherapy
- Chiropractic
- Osteopathy
- Remedial massage
- Acupuncture
- Myotherapy
- Podiatry
- Orthotic appliances (foot)
- Psychology
- Mental health support
- Audiology
- Hearing aids
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Pressure garments
- Prostheses (non-surgical)
- Orthopaedic appliances
-
Age-based discount
The age-based discount is a perk for the under 30s. It's a 2% reduction on premiums for each year you might be aged under 30 when you purchase eligible hospital cover. The highest age-based discount that can be applied is 10% for 18 to 25 year olds.
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.
View hospital & extras products >
Unlock more value when paired with SmartCare Extras
$500 flexible limit to spend your way on included services
- 100% back on preventative dental* at any dentist
- 60% back on other included services
- Covers chiro, general dental, osteo and physio.
$1,000 annual limit to spend your way on included services
- 100% back on preventative dental* at any dentist
- 60% back on other included services
- Covers chiro, general dental, osteo and physio plus 8 others services.
$1,500 annual limit amount to spend your way on included services
- 100% back on preventative dental* at any dentist
- 60% back on other included services
- Covers chiro, general dental, osteo and physio plus 19 other services.
FAQs answered
We have a Bronze Plus hospital cover with a number of additional services such as blood and dental surgery. This is a great option if you are interested in a low level of cover that you can use for the essentials.
Yes, you can upgrade to a higher level of hospital cover at anytime. If you do choose to upgrade, you will need to serve any waits on new services before you can claim on those items.
Bronze hospital is a great option if you are looking for health insurance that covers the essentials within a private hospital and the opportunity to avoid the public hospital list on elective surgery for covered items
Basic hospital provides restricted services within the public hospital system only, if you decide to use the cover within a public hospital you will still need to wait on the public hospital list and you will have to pay out-of-pocket expensive for your stay.
Why choose GMHBA?
Founded by cement workers in Geelong to make everyone feel cared for.
90 years on, as a not-for-profit health insurance and care company, that care still stands strong. Our size may have changed but who we are remains the same.
Your health and wellbeing are always put first because we want to make sure you get personalised cover for the moments that matter.
Whatever stage of life you’re at, we’re here for you.