Under 30's discount

18 to 25 year olds could get up to 10% off their hospital cover premiums, with the discount amount reducing the closer you are to 30.

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Young Females on beach new to health Insurance

Life under 30

Being in your 20’s looks different for everyone, but generally it’s a balance of life admin and living your best life. Whether you’re single, in a relationship or have a young family, GMHBA offers an under 30's discount on hospital and combined cover for wherever you’re at.

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Special Offer:

One month free plus no 2 & 6 month waits on extras*

when joining on combined cover.

*For new members only joining direct on hospital and extras cover, paying by direct debit. Must pay first months premium to receive discount. Other waits (including hospital waits), annual and sub limits apply.

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^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.

Select a product and enter your age to see the discount you could be eligible for

  • Accident Only Hospital (Basic)

    FROM

    $ 19 .30

    • per week
    Hospital Excess $750
    Minimum basic hospital cover with accident protection
    • feature icon Upgraded cover in the event of an accident
    • feature icon Excess waiver for same day stays
    • feature icon Emergency ambulance cover
    Select

  • Basic Plus Starter Hospital

    FROM

    $ 19 .50

    • per week
    Hospital Excess $750
    Basic Plus Hospital cover with some key inclusions, as well as accident protection
    • feature icon Upgraded cover in the event of an accident
    • feature icon Excess waiver for same day stays
    • feature icon Dental surgery
    • feature icon Joint reconstructions
    Select

  • Bronze Plus Advantage Hospital

    FROM

    $ 24 .35

    • per week
    Hospital Excess $750
    Our most comprehensive Bronze Plus cover which balances peace of mind with great value
    • feature icon Upgraded cover in the event of an accident
    • feature icon Excess waiver for same day stays
    • feature icon Plastic & reconstructive surgery (medically necessary)
    • feature icon Back, neck & spine
    Select
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Discount percentage that health insurers can offer

If you're 18-29, you'll receive the discount below on your hospital cover premium based on your age.

Your age at the time of joining hospital cover Policy discount you could be eligible for
18-25 years old 10%
26 years old 8%
27 years old 6%
28 years old 4%
29 years old 2%
30 + 0%

 

60 day money back guarantee*

We understand that there are times we need to change our mind. That’s why all our products are backed by a 60 day money back guarantee. If for any reason your circumstances change and you have not claimed, we will fully refund your membership. *For new members.

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Benefits of Private Health Insurance for under 30's

Turning 31 soon?

If you're almost 31, it's worth learning about the Lifetime Health Cover (LHC) loading. Without hospital cover, LHC could affect your premium costs in the future. Once applied, LHC loading will no longer affect your premium after 10 years of continuous hospital cover. 

Higher income earner?

If your income is likely to increase (or is already) beyond 101k for singles or 202k for couples/families, you may have to pay the Medicare Levy Surcharge (MLS). Holding active hospital cover might help you avoid paying MLS in next year's tax.

Under 30's discount

There’s a lot more to the under 30's discount, so we've compiled some extra details on why the Government introduced the discount, and how it works for different policies.