60 Day Money Back Guarantee - For new members, we will refund any premiums paid as long as you haven’t made a claim.
Health insurance for families
Special Offer:
Get 6 weeks free* and no 2 & 6 month waits on extras when you join GMHBA on combined cover by July 14.
*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. 12 month 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. Offer ends 14 July 2022.
No hospital excess for kids on selected* covers.
You won't pay excess or a co-payment on selected* GMHBA hospital covers if your child is hospitalised.
*Not available on Basic Plus $250, Basic Plus Package, Bronze Plus, Bronze Plus Package or Silver Plus hospital products.
You won't pay more for the size of your family.
Whether you have two kids or ten, the cost of your family health insurance will remain the same.
Earn over $180k as a family? You might be eligible to save on tax.
Did you know that getting private hospital cover may save you money at tax time? Get great value cover and avoid the Medicare Levy Surcharge.
Pricing covers Family, aged 30 and 30 living in VIC earning $180,000 or less, base tier government rebate. Excludes . Prices and displayed products can change if details vary.
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Bronze Essential Hospital & Essential Extras
FROM$ 60 .45
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per week
Hospital Excess $750-
Private patient in a public hospital for restricted services
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No excess for same day stays in a private hospital
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$700 to claim on General and Preventative dental each year, service limits apply
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100% back on preventative dental at a Smile.com.au dentist
Cost-effective private health cover with exclusions plus includes extras cover on for a range of services like general dental & optical with benefits paid at a set amount.
Health insurance and AIA Vitality are separate products, price includes health insurance premium & $10 monthly AIA Vitality fee per eligible adult, less 5% discount off both. Please call 1300446422 if you prefer to only purchase the health insurance product.
Hospital Services
- Public hospital accommodation
- Private hospital accommodation
- Shared room
- Single room in a private hospital (where available)
- Rehabilitation
- Hospital psychiatric services
- Palliative care
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Tonsils, adenoids and grommets
- Bone, joint and muscle
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Digestive system
- Hernia and appendix
- Gastrointestinal endoscopy
- Gynaecology
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain Management
- Skin
- Breast Surgery (medically necessary)
- Diabetes Management (excluding insulin pumps)
- Heart and vascular system
- Lung & Chest
- Blood
- Back, neck and spine
- Plastic and reconstructive surgery (medically necessary)
- Dental surgery
- Podiatric surgery (by an accredited podiatric surgeon)
- Implantation of hearing devices
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Insulin pumps
- Pain Management with Device
- Sleep studies
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination
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Silver Plus Hospital & Mid Extras Set Benefits
FROM$ 78 .85
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per week
Hospital Excess $500-
Excess halved for same day stays in a private hospital
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Bones, joints and muscles
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$1,500 to claim on dental each year, sub-limits apply
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$300 to claim on optical at GMHBA Eye Care ($200+$100 bonus)
A popular choice for established families looking for cover on a range of services with some exclusions to keep costs down plus set benefits paid on preventative and major dental, optical, physiotherapy and remedial massage.
Hospital Services
- Public hospital accommodation
- Private hospital accommodation
- Shared room
- Single room in a private hospital (where available)
- Rehabilitation
- Hospital psychiatric services
- Palliative care
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Tonsils, adenoids and grommets
- Bone, joint and muscle
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Digestive system
- Hernia and appendix
- Gastrointestinal endoscopy
- Gynaecology
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain Management
- Skin
- Breast Surgery (medically necessary)
- Diabetes Management (excluding insulin pumps)
- Heart and vascular system
- Lung & Chest
- Blood
- Back, neck and spine
- Plastic and reconstructive surgery (medically necessary)
- Dental surgery
- Podiatric surgery (by an accredited podiatric surgeon)
- Implantation of hearing devices
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Insulin pumps
- Pain Management with Device
- Sleep studies
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination
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Silver Plus Premium Hospital & Mid Extras Set Benefits
FROM$ 93 .35
-
per week
Hospital Excess $750-
Excess halved for same day stays in a private hospital
-
No excess for dependants under 21
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$1,500 to claim on dental each year, sub-limits apply
-
$300 to claim on optical at GMHBA Eye Care ($200+$100 bonus)
High level cover with minimal exclusions plus set benefits paid on preventative and major dental, optical, physiotherapy and remedial massage.
Hospital Services
- Public hospital accommodation
- Private hospital accommodation
- Shared room
- Single room in a private hospital (where available)
- Rehabilitation
- Hospital psychiatric services
- Palliative care
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Tonsils, adenoids and grommets
- Bone, joint and muscle
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Digestive system
- Hernia and appendix
- Gastrointestinal endoscopy
- Gynaecology
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain Management
- Skin
- Breast Surgery (medically necessary)
- Diabetes Management (excluding insulin pumps)
- Heart and vascular system
- Lung & Chest
- Blood
- Back, neck and spine
- Plastic and reconstructive surgery (medically necessary)
- Dental surgery
- Podiatric surgery (by an accredited podiatric surgeon)
- Implantation of hearing devices
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Insulin pumps
- Pain Management with Device
- Sleep studies
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination
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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 (when included on cover)
Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover.
Waiting Period: 0 days (accidents must occur after joining)
Obstetrics and maternity.
Waiting Period: 12 months
Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care).
Waiting Period: 12 months
Any other benefit for hospital (or hospital substitution) treatment.
Waiting Period: 2 months
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).
Existing members (with less than 12 months membership)
Existing members with less than 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.
Waiting Periods
Extras services (when included on cover)
All extras benefits except as specified below.
Waiting Period: 2 Months
Optical, home and domestic aids and medical aids.
Waiting Period: 6 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).
Waiting Period: 12 Months
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.
New to health insurance?
We understand that getting health insurance for the first time can be overwhelming. That’s why we’ve put together a four step guide to help you get started.
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
We’ll cancel 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*
We'll recognise the waiting periods at your previous fund.
*Waiting periods apply for increased cover, must join within 30 days of ceasing your previous cover.
Family Cover FAQs
With any type of private health insurance when it comes to choosing the best cover there are many factors to consider, such as your lifestyle, budget, age of children and what matters most to you.
The age of your children is also important as most health insurance providers will cover for children under a family policy until the age of 21. If your child turns 21 and is studying full time they can register as a student dependent and remain on your policy till the age of 25.
Whether you’re a family of 2 or 5, the amount you pay won’t change. The cost is determined by the level of cover and extras you choose.
If you’re looking for specific inclusions, such as pregnancy, they may only be found on certain levels of cover which will influence your decision and the amount you pay.
Private health insurance can be a valuable investment for any family. It means peace of mind for the health and wellbeing of your brood.
Hospital cover gives you a choice of specialist and may reduce wait times for treatments in a private hospital. And with extras cover you can maintain your family’s dental and eye health with the ability to reduce your out of pocket costs.
Need some help?
Can't find what you are looking for? Visit our help page or contact our friendly customer service team.