*For new members joining on combined hospital and extras cover and paying by direct debit, who have not been a GMHBA member in the last 12 months. Must pay first month's premium to receive offer. Other waits (including hospital waits), annual and sub-limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via GMHBA website, phone and branch or GMHBA corporate program. Not available in conjunction with any other offer. Must be an REI Super employee and/or member to receive offer.
^5% discount available when paying by direct debit through a bank account. 3% discount for those who pay via credit card. Not available with any other offer. For REI Super employees and members only.
More about Australia's #1 regionally based not-for-profit health insurer
From Basic cover for just in case, to Gold for peace of mind - and a bunch in between - we’re sure to have a cover to suit you. Browse our range of hospital covers.
All GMHBA hospital covers come with emergency ambulance cover§ as standard for eligible states.
We've added an excess waiver to same day hospital procedures on all eligible* hospital covers.
Accidents happen. That’s why when you take out any new GMHBA hospital cover you get accident protection✝.
If you're aged 18-29 you could be eligible to receive a discount on your hospital cover.
We believe in local and it's evident in everything we do. Like our Geelong call centre, supporting our local economy.
^Pricing based on Single, aged 30 living in VIC earning $105,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
Hospital cover for every life stage
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Basic Plus Starter Hospital and SmartCare Starter Boost Extras
FROM$ 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 $750HOSPITAL FEATURES-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Ear, nose and throat
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Bone, joint & muscle
EXTRAS FEATURES-
100% back on preventative dental and optical
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60% back on other claims
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Annual limit rollover
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Silver Plus Hospital and SmartCare Starter Boost Extras
FROM$ 37 .35
Hospital Excess $750HOSPITAL FEATURES-
No excess for children under 21
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Excess waiver for same day stays
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Heart & vascular system
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Lung & chest
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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Hospital health programs for eligible members
Hospital in the home is a hospital substitution service that allows eligible members to access acute medical services in their own home.
Rehab in the home is a substitute for inpatient rehabilitation. It means we can provide services like physio, occupational therapy and nursing to eligible members at home.
GMHBA has a range of chronic disease management programs for eligible members, including services for mental health, cardiac issues and weight management.
Our care coordination service organises care for eligible members who have complicated health problems. Members with hospital cover that have served their waiting periods may be eligible, speak with your discharge planner to find out more.
GMHBA has partnered with Nourish Baby to provide specialised support and ongoing programs for members during pregnancy – and beyond.
GMHBA has partnered with Prima Health Solutions to deliver the Healthy Weight For Life Essentials Program, which aims to deliver sustainable, long-term health and wellbeing outcomes.
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.
New to Private Health Insurance?
Looking at health insurance for the first time can be overwhelming. That’s why we’ve put together a handy three-step guide to help you get started.
✝Not available on pregnancy and birth related services and podiatric surgery. Accident must be an unforeseen event occurring by chance and caused by an external force or object, which results in involuntary injury to the body. Injuries must be treated within 48 hours by a doctor or emergency department, and hospital admission within 90 days. Injuries resulting from alcohol or not prescribed drug use are not covered. Hospital excess and out of pocket costs may apply.
§GMHBA covers emergency ambulance services by a recognised provider Australia wide. This doesn't include cover for non-emergency ambulance transport ie. from a hospital to your home or ambulance transfers between hospitals. Publicly funded ambulance services and State Government transport schemes are excluded (eg.TAS/NSW/ACT/QLD)
*Does not apply to closed hospital products. All hospital waiting periods apply, including 2 and 12 month waiting periods and waiting periods for pre-existing conditions which may be up to 12 months.