6 weeks free plus no 2 & 6 month waits on extras* when joining on combined cover by 15 July. *T&Cs apply.

Hospital Cover

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

New to health insurance?

We know that getting 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.

^Pricing based on Single, aged 30 living in VIC earning $93,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.

Browse and compare our hospital products.


Looking for hospital and extras cover?

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 may reduce wait times by being treated in a private hospital

Switching to GMHBA

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Find the right cover for you

View our range of hospital and extras products,and choose the cover that best suits your needs.

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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.

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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.

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.