60 Day Money Back Guarantee - For new members, we will refund any premiums paid as long as you haven’t made a claim.

Hospital Cover

We have a range of cover for any budget, take the stress out of your next hospital visit with GMHBA hospital cover. 

Special Offer:

Get 6 weeks free* when joining on combined cover with AIA Vitality by January 31.

*For new members who have not been a member during the last 12 months joining on combined hospital and extras cover with AIA Vitality paying by direct debit. Must pay first month to receive discount. Offer only available via GMHBA website, phone and branch or GMHBA corporate program. Not available in conjunction with any other offer. Offer ends 31 January 2022.

New to health insurance?

We understand that looking to get health insurance for the first time can be overwhelming. That’s why we’ve put together our four step guide to help you get started.

Healthy families

Not sure why you need health insurance?

We’ll help you find out what the benefits are and the types of cover available for your needs.

We’re part of your community

GMHBA is committed to supporting our local community and embraces opportunities to connect with our members and broader community in positive and meaningful ways.

Pricing covers Single, aged 30 living in VIC earning $90,000 or less, base tier government rebate. Excludes . Prices and displayed products can change if details vary.

Browse and compare some of our hospital only products


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 hospital waiting lists

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.

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.

Need some help?

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