Pay no excess on same day procedures*
*Does not apply to closed hospital products. All hospital waiting periods apply, including standard 2 and 12 month waiting periods and waiting periods for pre-existing conditions which may be up to 12 months.
Understanding same day procedures
Many procedures won't require you to stay overnight. With GMHBA, we waive the hospital excess for same day hospital stays.
What is a day stay?
A same day stay is a surgical, diagnostic or minor inpatient hospital procedure that admits you and discharges you on the same day.
What isn't considered a day stay?
Inpatient hospital procedures that will require anything longer than a day and may need you to be observed for a longer period of time will not classify as a same day hospital stay.
^Pricing based on Single, aged 30 living in VIC earning $101,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
All of our hospital covers include no excess for same day stays, pick one that suits you
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Basic Plus Starter Hospital
FROM$ 19 .75
Hospital Excess $750Basic plus hospital cover with some key inclusions, as well as Accident Protection-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Dental surgery
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Joint reconstructions
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Bronze Plus Advantage Hospital
FROM$ 26 .15
Hospital Excess $750Our most comprehensive bronze plus cover, balancing reassurance and value-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Plastic & reconstructive surgery (medically necessary)
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Back, neck & spine
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Silver Plus Hospital
FROM$ 30 .90
Hospital Excess $750A popular choice with a range of services and some exclusions to keep costs down-
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
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More reasons to choose GMHBA.
#1 regional not-for-profit health insurer
60-day money back guarantee
Canstar award winner - four years running
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.
Why choose private health insurance with GMHBA
Accidents happen, that’s why we have included accident protection on all hospital products.
Peace of mind during an emergency means a lot, which is why we have included emergency ambulance cover on all hospital products.
Through our Healthier Together newsletter, podcast and, community events, we continue to support the health of our members.
GMHBA partners with a number of organisations to support the health and wellbeing of our members and community.
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.
Same Day Hospital Procedure FAQs
There are many surgeries and procedures that are suitable for a day stay. Only eligible GMHBA hospital covers^ qualify for no excess on same day hospital procedures. These procedures are defined by the Australian Government, with example services found here.
^Does not apply to closed hospital products. All hospital waiting periods apply, including standard 2 and 12 month waiting periods and waiting periods for pre-existing conditions which may be up to 12 months.
No excess on same day hospital procedures means you won't need to pay the excess to the hospital. There may be out-of-pocket costs depending on the type of procedure you need. To be sure, check with your provider about any costs payable on the day, and contact GMHBA before your procedure.
You should always check your fact sheet to see whether it's included or alternatevely you can call 1300 477 028 and speak to our local customer service centre to find out more, available Monday to Friday, 8:30am-5:00pm AEDT.
Same day hospital procedures are the most common type of Private Hospital admission, with 74% of all Private Hospital admissions being same day hospital procedures1. We've removed the excess to help reduce the amount of out-of-pocket costs you'll need to pay.
1. Australian Private Hospitals Association. (n.d.). Private hospital facts. Retrieved from https://www.apha.org.au/private-hospital-facts.html (2023/24).