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

Family health cover is designed to protect your whole family at all stages, with peace of mind and flexibility to meet the changing needs of a growing family.

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.

Kids in the kitchen enjoying activities with GMHBA and Geelong Cats Healthy Heroes

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.

People in the garden, GMHBA supports local community

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. 

Couple walking together on the beach after saving at tax time with their health insurance hospital cover

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.


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.