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New to Private Health Insurance

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

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 you will often have shorter wait times to receive treatment.

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.

Benefits of private hospital cover

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Private patient

With private hospital cover, you have the option of being treated as a private patient, often within a private hospital. 

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Your choice of doctor when you need it

Hospital cover gives you the option to choose your own doctor or specialist and avoid the public hospital waiting list by receiving treatment in a private hospital.

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Medicare Levy Surcharge (MLS)

Earn over $93k as a single or $186k as a couple? Did you know that getting hospital cover may save you money at tax time? Learn more

How to get started

There are many good reasons to get health insurance. It provides more health care options, peace of mind and it may help you avoid tax. Here's how to find the right insurance for your needs and take out cover. It's easy, just follow these three steps and we'll help you get set up.

1. Choose a cover type

Whether you are looking for hospital, extras or combined cover, find the right health insurance for your budget and check that it covers everything you need.

2. Get a quote

Get a personalised quote that factors in your Australian Government Rebate tier, your age, state of residence and lifestage. You can email yourself the quote information, so it's easy to review and compare.

3. Join online

Found the perfect cover for you? You can sign-up online. All you need is a valid Medicare card and payment method. It's a simple process and takes only minutes.

Your questions answered

When you’re admitted to hospital, your private health insurance will pay benefits towards your in-hospital treatment and admission costs. There are different levels of cover, so it’s important to know your budget and what services you are looking to claim on. The level of the cover you choose will determine what you are covered for.

For extras insurance, the benefit amount paid towards a treatment will often depend on your level of cover, so will how many different treatments you can claim. Your level of cover will also usually determine the benefit amount available each year. This benefit amount will determine your out-of-pocket expenses, and this can vary between insurers. It’s a requirement that the health provider you choose to see is registered in their field for benefits to be paid.

There are varying annual limits and waiting periods applied to each service, so always read the product disclosure statement to understand what you’re entitled to claim and when.

GMHBA is an Australian not for profit health insurance and care company. We have served the community since 1934, and with 90 years experience, we have become one of Australia’s leading regionally based private health insurers.

Through our personalised approach and exceptional customer service, we put the health and wellbeing of our members and communities first. Our approach is guided by our philosophy, Healthier Together our decisions are made with our members first and foremost in mind.

The cost of your private health insurance is dependent on the type of cover you decide to go with and whether you are eligible for any rebates or loadings. Health insurance is an ongoing cost, and you can decide the frequency you pay your premiums (weekly, monthly, or annually).

Introduced by the Australian Government, Lifetime Health Cover (LHC) loading is a 2% loading on your private hospital cover premiums for every year you do not have hospital cover since turning 30. Find out more

Are you aged 18-29? 

GMHBA offer age-based discount on all our hospital covers. If you're under the age of 30 and purchase any of our hospital covers, you will receive the discount depending on your age.

Need some help?

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