Up to 10 weeks free* on combined cover plus no 2 & 6 month waits on extras until 15 July. *T&Cs apply.

Why choose GMHBA

As Australia's #1 regionally based not-for-profit health insurer, we've been placing the needs of our members at the centre of everything we do since 1934. 

Why choose GMHBA cover?

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Upgraded cover in the event of an accident

Accidents happen. That’s why when you take out any new GMHBA hospital cover you get accident protection.

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Emergency ambulance cover

All GMHBA hospital covers come with emergency ambulance cover as standard for eligible states.

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Award-winning hospital cover
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We’re for people, not profit

Since 1934, we’ve believed that health insurance should be run to benefit members, not shareholders.

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Supporting ​the ​life you live

Join the GMHBA family with our Healthier Together newsletter, podcast and community events.

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60 day money back guarantee

Unsure? We offer new members 60 days to get to know us and we’ll refund any premiums as long as you haven’t made a claim.

Special Offer:

Up to 10 weeks free* on combined cover plus no 2 & 6 month waits on extras.

*For new members joining on combined cover, paying by direct debit. Must not have been a GMHBA member in the last 12 months. Must pay first month's premium to receive initial 6 weeks free must maintain combined hospital and extras cover continuously and be financial for 12 months from the cover start date to be eligible to receive further 4 weeks free. No other discount can be applied in second year of membership. Other waits (including hospital waits), annual limits and sub limits apply. Extras claims made with a previous fund count towards annual limits. Not available with any other offer. Ends 15 July 2025.

 

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Award winner three years running

GMHBA has done it again with Canstar’s 2024 Outstanding Value Health Insurer Hospital Cover Victoria Award. We are proud to provide Australians with 5 star health cover for our hospital products.

View Hospital Products >

Helping reduce out-of-pocket costs 

The Australian Health Services Alliance represents a number of small to medium size private health insurance funds. 

Our AHSA agreement provides members with access to a more extensive coverage of medical providers and an improved medical gap scheme. Under this agreement, GMHBA pays higher benefits for most medical procedures when the scheme is used by a participating medical provider, meaning less out of pocket expenses for members.

The GMHBA Hometown Advantage

With exclusive member benefits at our health services locations, including eye caredental care, physiotherapy and GP/primary care services in Victoria, we are playing an even bigger role in caring for the health of our community.

This allows us to be a real partner to our members on their health journey and join private health insurance products with our health services practices to offer more value for members.

Caring on and off the field

Since 2017, two of Geelong's most iconic organisations, GMHBA and the Geelong Cats, have joined forces in a unique long term partnership. Both organisations have a long and proud history of supporting Geelong and regional Victoria. This partnership demonstrates our shared commitment to the region and its people and allows us to actively connect with new audiences, while positively influencing the health of our communities.

GMHBA members can also access exclusive Cats Rewards as part of the partnership. 

60 Day Money Back Guarantee*

We pride ourselves on providing great value health cover. That’s why all our products are backed by a 60 day money back guarantee. If for any reason your circumstances change and you have not claimed, we will fully refund your membership. *For new members.

✝Not available on pregnancy and birth related services and podiatric surgery. Accident must be an unforeseen event occurring by chance and caused by an external force or object, which results in involuntary injury to the body. Injuries must be treated within 48 hours by a doctor or emergency department, and hospital admission within 90 days. Injuries resulting from alcohol or not prescribed drug use are not covered. Hospital excess and out of pocket costs may apply. 

§GMHBA covers emergency ambulance services by a recognised provider Australia wide. This doesn't include cover for non-emergency ambulance transport ie. from a hospital to your home or ambulance transfers between hospitals. Publicly funded ambulance services and State Government transport schemes are excluded (eg.TAS/NSW/ACT/QLD)