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?
Accidents happen. That’s why when you take out any new GMHBA hospital cover you get accident protection.
All GMHBA hospital covers come with emergency ambulance cover as standard for eligible states.
In 2025, GMHBA has claimed the Canstar Outstanding Value Award – Hospital & Extras Insurance: Victoria.
Since 1934, we’ve believed that health insurance should be run to benefit members, not shareholders.
Join the GMHBA family with our Healthier Together newsletter, podcast and community events.
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.
Canstar approved, four years in a row!
GMHBA has done it again with Canstar’s 2025 Winner of Outstanding Value Award – Hospital & Extras Insurance: VIC. We are proud to provide Australians with 5 star health cover for our hospital and extras products.
View hospital & extras 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 care, dental 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.
Canstar backs us again!
2025 Winner of Outstanding Value Award – Hospital & Extras Insurance: VIC
✝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)