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Full information about your chosen cover's applicable waiting periods, excess, copayments, exclusions, restrictions, limits, pre-existing conditions and services covered is available within the member guide. The price shown excludes any LHC loading.
Rates are effective 1 April 2021. | All contribution quotes by this calculator are subject to variation and should therefore be considered indicative contribution rates. | Weekly and fortnightly payment frequencies are only available for Direct Debits. | Calculations include the 2% Direct Debit Discount, excluding products with AIA Vitality packages. | All calculations include Base Tier federal government rebate | Hospital Cover contributions do not include any applicable Lifetime Health Cover loading. | Health insurance and AIA Vitality are separate products, with the combined price including your health insurance premium and monthly AIA Vitality fee, less 5% discount off both. When packaged with a single or single parent health insurance policy, AIA Vitality costs $10 per month (less applicable discounts) and entitles one eligible adult member to an AIA Vitality membership. When packaged with a couple or family health insurance policy, AIA Vitality costs $20 per month (less applicable discounts) and entitles two eligible adult members to AIA Vitality memberships. If you cancel your AIA Vitality membership, you will lose your associated discount on your health insurance product. | GMHBA with AIA Vitality packages are only available for members paying by direct debit. Please call 1300 446 422 if you would like the health insurance product only.
AIA Vitality Program
The globally renowned health & wellbeing program that rewards you for healthy behaviours.
Health insurance and AIA Vitality are separate products, price includes health insurance premium & $10 monthly AIA Vitality fee per eligible adult, less 5% discount off both. Please call 1300446422 if you prefer to only purchase the health insurance product.
Extras benefits
With GMHBA mix and match extras you have the flexibility to choose from either set benefits, or a percentage based refund.
Set benefits: When you receive treatment for a covered extras service you will receive a set amount back, known as a set benefit.
Percentage back: This gives you the certainty of receiving a percentage of the providers fees back when you claim, up to annual limits. The percentage received depends on the whether you select Top (75%), Mid (65%), or Basic (55%) extras cover. Our range of family health covers and packages with AIA Vitality pay a percentage based refund.
Hospital Excess
The amount of money a member agrees to pay for a hospital stay before GMHBA pay benefits. The excess is per person, calendar year based. Selecting a higher excess will lower the premium. No excess applies for child dependants under 21 on GMHBA’s Gold Hospital, Premium Hospital, Packages with AIA Vitality and Starter, Everyday and Premium Family Packages.