Under 30's discount
If you're aged between 18-29 you could be eligible to receive a discount on your hospital cover.
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 discount on hospital and combined cover for wherever you’re at.
Special Offer:
Up to 10 weeks free* on combined cover plus no 2 & 6 month waits on extras.
*For new members joining on combined cover, paying by direct debit. Must not have been a GMHBA member in the last 12 months. Must pay first month's premium to receive initial 6 weeks free must maintain combined hospital and extras cover continuously and be financial for 12 months from the cover start date to be eligible to receive further 4 weeks free. No other discount can be applied in second year of membership. Other waits (including hospital waits), annual limits and sub limits apply. Extras claims made with a previous fund count towards annual limits. Not available with any other offer. Ends 15 July 2025.
^Pricing based on Single, aged 30 living in VIC earning $97,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
Select a product and enter your age to see the discount you could be eligible for
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Accident Only Hospital (Basic)
FROM$ 19 .30
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per week
Hospital Excess $750-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Emergency Ambulance cover
Minimum basic hospital cover with accident protection.
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Basic Plus Starter Hospital
FROM$ 19 .50
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per week
Hospital Excess $750-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Dental surgery
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Joint reconstructions
Basic Plus Hospital cover with some key inclusions, as well as accident protection.
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Bronze Plus Advantage Hospital
FROM$ 24 .35
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per week
Hospital Excess $750-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Plastic & reconstructive surgery (medically necessary)
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Back, neck & spine
All the benefits of our Bronze Plus Hospital cover, powered up for Back, Neck & Spine.
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What is AIA Vitality?
The globally renowned health & wellbeing program that rewards you for healthy behaviours.
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Up to $500 in shopping rewards per membership year at Myer, Woolworths, rebel, Bunnings, House, Amazon and Ticketmaster
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Up to 50% cash back on the base fare of eligible Virgin Australia flights
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Up to 50% off endota spa e-Gift Cards
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Up to 50% off selected gym memberships includes Virgin Active, Fitness First and Goodlife
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The cost of AIA Vitality is $10 per month per eligible adult, less 5% discount off your health insurance and AIA Vitality package. For more information: <https://www.gmhba.com.au/aia-vitality>
The health insurance product may be purchased without AIA Vitality by calling 1300 446 422.
Lifetime Health Cover (LHC)
The Lifetime Health Cover (LHC) loading is a Government loading on your private hospital cover premiums. It was introduced on July 1, 2000 to encourage people to take out private hospital cover earlier, and to maintain their cover.
Understanding what services are covered
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Included
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Not Included
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Restricted
Restricted services are limited to a minimum (default) benefit as set by the Australian Government for accommodation as a private patient in a shared room of a public hospital. The benefit does not cover the cost of a private room in a public hospital or any room in a private hospital, and does not cover theatre costs. If you are admitted to a private hospital for treatment that is restricted by your policy, large out of pocket expenses will apply.
Waiting Periods
Hospital services
A waiting period is the time between joining GMHBA and when you're covered for a hospital treatment.
Waiting Period: 0 days (accidents must occur after joining)
Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover.
Waiting Period: 2 months
Any other benefit for hospital (or hospital substitution) treatment unless otherwise stated.
Waiting Period: 12 months
Obstetrics and maternity, pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care).
Pre-existing conditions
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Waiting Periods
Extras services
A waiting period is the time between joining GMHBA and when you're covered for a treatment or service.
Waiting Period: 2 months
Any services that are not specified below.
Waiting Period: 6 months
Optical
Waiting Period: 12 Months - Major dental services
Including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth (including wisdom teeth).
Waiting Period: 12 Months - Health appliances
Including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot).
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.
Benefits of Private Health Insurance for under-30's
If you’re coming up to your 31st birthday and don't have hospital cover, it's worth learning about the Lifetime Health Cover (LHC) loading and how it could affect your premium. Once applied, it can only be removed after 10 years of continuous hospital cover.
If your income is likely to increase (or is already) beyond 97k for singles or 194k for couples/families, you could be liable for the Medicare Levy Surcharge (MLS). You may be able to avoid paying MLS by having private health insurance hospital cover.
There’s a lot more to the under 30's discount, if you are seeking more information that’s relevant to you click the link below.