Get 6 weeks free* when joining on combined cover by September 30*T&Cs apply.

Health Insurance cover Health Insurance cover

At GMHBA, we offer great value health insurance to help look after your health and wellbeing.

With 60 Day money back guarantee and over 85 years as a not-for-profit health insurance provider.

Find the right health insurance cover for you

Types of cover

GMHBA member with hospital cover

Hospital cover

Choose from our range of hospital covers including Basic Plus, Bronze, Silver and Gold. From Basic cover, for just in case, to Gold for peace of mind, we’re sure to have a cover to suit you.

health insurance singles optical

Extras cover

Extras cover helps reduce the cost of everyday health expenses that aren’t covered by Medicare like dental, optical, physio & chiro. From Basic to Top extras, find the right type of cover to suit your budget and help you keep healthy.

Combined hospital and extras cover

Did you know you can get both hospital and extras cover on the same policy? With combined cover, you can enjoy peace of mind and be supported on your health journey.

Why choose GMHBA?

We've been a not-for-profit private health insurance provider for over 85 years. We've come along way since the 1930's but one thing remains the same, at GMHBA we continue to grow healthier together.

Through our personalised approach and exceptional customer service, we put the health and wellbeing of our members and communities first.

Switching to GMHBA Health Insurance is easy

Find the right cover for you with GMHBA Health Insurance - Make the switch to GMHBA

1. Find the right cover for you

View our range of hospital and extras products, choose the cover that best suits your needs.

Switch to your perfect cover with GMHBA, we will even do the paperwork for you

2. We'll do the paperwork

We’ll cancel your old membership, request the transfer certificate from your old insurer and handle all of the paperwork for you.

Switch to the same level of cover with GMHBA and don't reserve waiting periods

3. 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.

Couple spending time together in the kitchen whilst joining combined cover with GMHBA low res

New to health insurance?

We understand looking to get health insurance for the first time can be overwhelming. That’s why we’ve put together a guide to help you get started.

Not sure if you need health insurance?

Learn more about the reasons people often take out health insurance and the types of cover available.

We’re part of your community

We're a not-for-profit health fund and have been putting the health of our members first for over 85 years.

Helping you understand health insurance

Many Australians prefer to have private health insurance because it gives them access to be treated in the private health care system. By having private health insurance you’ll often be able to choose your preferred doctor and hospital as well as reduce waiting times for some hospital services and elective surgery.

Australia’s Healthcare system is made up of two major parts, the public health care system and the private health care system. All Australian residents are automatically covered for many hospital-related costs under the public health care system (Medicare) however many Australians prefer to take out private health cover to give them access to be treated in the private health care system.

Private health insurance is made up of two main parts – Hospital and Extras cover. Hospital cover can help with the cost of your hospital stay and medical expenses, getting care from your preferred doctor and hospital, and reduce wait times for surgery or treatment. Extras cover is for out of hospital health treatments not covered by Medicare, such as dental, optical items, physiotherapy, prescription pharmaceuticals (non-PBS) and a wide range of other services.

The Medicare Levy Surcharge (MLS) is an additional tax which Australians may need to pay if they are without private health insurance hospital cover and have a taxable income greater than $90,000 as a single or $180,000 as a couple/family.

If you do not hold an eligible hospital cover (or if you drop your hospital cover) you will have to pay additional tax on top of the standard Medicare Levy that applies to all Australian taxpayers.

Find out more

Hospital cover includes coverage for the two types of costs associated with private treatment while you're an inpatient in a registered hospital - hospital costs and medical costs. Having hospital cover means your health insurer will help pay these costs.

GMHBA has a range of hospital covers ranging from basic to comprehensive cover which supports you and your family for a wide range of treatments in a participating private hospitals.

With hospital cover you can:

  • Be treated as a private patient
  • Have a greater choice of who treats you*
  • Have a greater choice about where you are treated*
  • Have more choice about when you are treated*
  • Lock in your Lifetime Health Cover age
  • Have peace of mind knowing you are covered for unexpected medical bills

*As compared to public patients in a public hospital

Extras cover provides benefits for services like dental, optical (glasses and contact lenses), physiotherapy, podiatry and ambulance.

The cost of these services is often not covered by Medicare, so whenever you use any of them you incur the full cost yourself.

GMHBA has a range of extra covers ranging from basic to comprehensive cover which supports you and your family. Plus, you can claim on the spot with your GMHBA membership card at more than 26,000 providers nationally.

Need some help?

Can't find what you are looking for? Visit our help page or contact our friendly customer service team.

Special Offer:

Get 6 weeks free when you join on combined cover by September 30*

*For new members joining on combined hospital and extras cover, paying by direct debit. Must pay first month premium to receive discount. Must not have been a member within last 12 months. Offer only available via GMHBA website, phone and branch or GMHBA corporate program. Not available in conjunction with any other offer. Offer ends 30 September 2022.