Private 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.

Cover the whole family.

No matter the size or shape of your family, we’ve got you covered. Big or small, settled or growing, we have flexible family cover options to help you manage the health of your family at every stage. Choose your preferred family practitioner, add extras you need and enjoy great value private health insurance.

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.

Browse and compare some of our family products


Find health insurance for you

Tell us a little about yourself to help us find the right cover for you.

Get 6 weeks free* when you join GMHBA on combined cover by October 31.

*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 the 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 31 October 2021.

Family Cover FAQs

What is the best private health insurance for a family?

With any type of private health insurance when it comes to choosing the best cover, you need to consider your lifestyle and what matters most to you. Family cover that doesn’t charge excess or co-payments for children is a great place to start.

As a young family you’re focused on making sure they’re growing and developing as best they can. With little family members, consider looking for extras that give you money back on common childhood health obstacles, such as orthodontics or speech pathology.

If you spend most of your weeknights and weekends at sports training and games, you should look for cover that will support your active family and keep them on the court. Ensure you’re covered for niggling sports injuries and accidents on the field with extras such as emergency ambulance and physiotherapy.

If they’ve outgrown the nest but they still need your support, extended coverage is something to look out for. 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, as long as they’re studying. For more information on dependents read this.

How much is family private health insurance?

The cost of private health insurance for a family depends on the level and type of cover you want for your family.

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. You can expect to pay a lot less for a basic level of hospital cover without extras, versus a premium level of hospital cover with top extras.

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.

At GMHBA, we will include children under 21 on your cover at no additional cost and will continue to cover them until the age of 25 if they meet student dependent requirements.

Is private health insurance worth it for my family?

Private health insurance is a valuable investment for any family. It means peace of mind for the health and wellbeing of your brood and can minimise the worry that comes with unexpected mishaps and trips to hospital.

Hospital cover gives you a choice of health provider and reduces wait times for treatment so you can give the whole family the best care possible right when they need it. And with extras cover you know you can maintain their dental and eye health as they grow.

With more money back in your pocket, you can invest those savings back into your family and put it towards the things that matter most.

Why choose GMHBA?

We are value based, not profit based

We are a not for profit organisation and every decision is made with our members in mind.

60 Day money back guarantee

We understand things can change or you can just change your mind. That's why we offer a 60 days money back guarantee and will refund any premiums paid as long as you haven’t made a claim.

Committed to customer service

Our mission to be your trusted partner in the provision of private health insurance goes beyond providing quality affordable products and high levels of customer service.