Get one month free* and no 2 & 6 month waits on extras when joining on combined cover by June 30. *T&Cs apply.

Bronze Essential Hospital & Essential Extras

Includes AIA Vitality
$750 hospital excess

From only $30.20* per week.

*Pricing covers Single, aged 30 living in VIC earning $90,000 or less, base tier government rebate. Excludes LHC loading.

Product highlights include

Bronze Essential Hospital Cover

Cost-effective private health cover with exclusions.

Key hospital inclusions:

Private patient in a public hospital for restricted services
No excess for same day stays in a private hospital
No excess for dependants under 21
Bones, joints and muscles
Tonsils, adenoids and grommets

Essential Extras Cover

Extras cover on for a range of services like general dental & optical with benefits paid at a set amount.

Key extras inclusions:

$700 to claim on general and preventative dental each year, service limits apply
100% back on preventative dental at a Smile.com.au dentist
$250 to claim on optical at GMHBA Eye Care ($200+$50 bonus)
$300 to claim on physio

Bronze Essential Hospital covers 21 out of 38 clinical category hospital inclusions

INCLUDED HOSPITAL TREATMENTS
Restricted.png Rehabilitation Tick.png Male reproductive system Tick.png Joint reconstructions
Restricted.png Hospital psychiatric services Tick.png Digestive System Tick.png Bone, joint and muscle
Restricted.png Palliative care Tick.png Hernia and appendix Tick.png Kidney and bladder
Tick.png Brain and nervous system Tick.png Gastrointestinal endoscopy Tick.png Skin
Tick.png Eye (not cataracts) Tick.png Gynaecology Tick.png Pain management
Tick.png Ear, nose and throat Tick.png Tonsils, adenoids and grommets Tick.png Breast surgery (medically necessary)
Tick.png Chemotherapy, radiotherapy and immunotherapy for cancer Tick.png Diabetes management (excluding insulin pumps) Tick.png Miscarriage and termination of pregnancy
EXCLUDED HOSPITAL TREATMENTS
Excluded.png Heart and vascular system Excluded.png Lung and chest Excluded.png Blood
Excluded.png Back, neck and spine Excluded.png Dental surgery Excluded.png Podiatric surgery
Excluded.png Pain management with device Excluded.png Implantation of hearing devices Excluded.png Assisted reproductive services
Excluded.png Cataracts Excluded.png Pregnancy and birth Excluded.png Insulin pumps
Excluded.png Joint replacements Excluded.png Weight loss surgery Excluded.png Sleep studies
Excluded.png Dialysis for chronic kidney failure Excluded.png Plastic and reconstructive surgery (medically necessary)


Restricted.png  - 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.
Tick.png  - Treatment is included
Excluded.png  - Treatment is excluded

> View all cover details

Essential extras cover includes 16 services like:

Dental benefits to smile about

Be covered with fixed benefits back on preventative dental and general dental.

GMHBA have partnered with smile.com.au giving you access to a range of benefits such as 100% back on preventative dental up to your annual limits at a smile.com.au approved dentist

Optical benefits that you can see

As a GMHBA member you'll have access to fantastic member discounts from leading retailers.

And receive an additional $50 bonus to claim on optical ($200 + $50 bonus) at GMHBA Eye Care.

Benefits to keep you feeling good

When you get aches and pains, or just want to keep yourself at your best, have the piece of mind of a wide range of included extras;

  • Physiotherapy
  • Chiropractic and osteopathy
  • Remedial Massage and myotherapy
  • Plus many more.

What's included in GMHBA with AIA Vitality

Get great value health insurance coupled with the globally renowned health & wellbeing program that rewards you for healthy for healthy behaviours.

  • Up to $760 in rewards per membership year at Myer, Woolworths, Bunnings, Rebel and more
  • Up to 50% cash back on the base fare of eligible Virgin Australia flights
  • Up to 50% off endota spa e-Gift Cards and selected gym memberships including Virgin Active, Fitness First and Goodlife
  • Receive a 5% discount off your health insurance cover and AIA Vitality premium

Not for profit health cover you can trust

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

60 Day money back guarantee
Over 85 years not-for-profit health insurance provider
We can do the paperwork, arrange the transfer and you can have continuity of cover

Can't find the type of cover you are looking for?

If you are looking for a different type of health insurance, check our full range of covers available. We have hospital only, extras only and combined health insurance covers so you can find the right one for you. 

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.

Need some help?

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