Hospital Cover
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.
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.
Why take out hospital cover?
You can't control when you get sick, but with private health insurance you have control of your healthcare journey. Enjoy the peace of mind that comes with choosing your doctor and avoiding public hospital waiting lists.
Switching to GMHBA Health Insurance is easy
1. Find the right cover for you
View our range of hospital and extras products, choose the cover that best suits your needs.
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.
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.
Hospital Cover FAQs
In most instances taking out private health insurance gives you access to be treated in the private healthcare system. You’ll often have the ability to choose your preferred doctor and reduced waiting times by avoiding the public waiting list for some services and elective surgeries.
Private hospital cover pays benefits towards treatment in hospital, reducing some of your out-of-pocket expenses and wait times if you choose to be treated in a private hospital. It also gives you the ability to choose your doctor and if you would like to be treated in a private or public hospital.
When you’re admitted to hospital your private health insurance will pay benefits towards your in-hospital treatment and admission costs.
What’s covered in your policy will depend on the level of cover you choose.
When purchasing cover through GMHBA, you will be able to view the services and treatments available on each product. Always take note of what’s included, so you know you’re covered for the things that matter most to you.
The level of cover that’s right for you will depend on your individual needs, age, health and lifestyle.
If you’re a young, healthy single looking to get covered for the basics without breaking your budget, then a low level of cover might be the way to go.
For young families or those living with existing health conditions, a more comprehensive level of cover may be more appropriate in order to gain complete peace of mind.