Understanding health insurance

What is Private Health Insurance? 

Private health insurance is a great way to get peace of mind and have more control of your health care. Hospital cover helps with the costs associated with treatment if you are admitted to hospital as a private patient. As well as providing additional comfort to choose your specialist and avoiding public hospital wait times if you elect to have treatment in a private hospital.

Extras cover provides benefits for services that are not covered by Medicare, like dental, optical, and physiotherapy. You’ll pay less out-of-pocket costs when you use these services at your choice of registered provider.

Participating private hospital

GMHBA has negotiated special agreements with a number of private hospitals to provide a range of services.

What is Lifetime Health Cover loading? 

Lifetime Health Cover (LHC) loading is an aged based initiative introduced by the Australian Government to encourage people to take out private health insurance hospital cover earlier in life and to maintain their cover.

Medicare Levy Surcharge (MLS)

Earn over $97k as a single or $194k as a couple? Did you know that getting hospital cover may save you money at tax time?

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