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.
More about Australia's #1 regionally based not-for-profit health insurer
From Basic cover for just in case, to Gold for peace of mind - and a bunch in between - we’re sure to have a cover to suit you. Browse our range of hospital covers.
All GMHBA hospital covers come with emergency ambulance cover§ as standard for eligible states.
We've added an excess waiver to same day hospital procedures on all eligible* hospital covers.
Accidents happen. That’s why when you take out any new GMHBA hospital cover you get accident protection✝.
If you're aged 18-29 you could be eligible to receive a discount on your hospital cover.
We believe in local and it's evident in everything we do. Like our Geelong call centre, supporting our local economy.
We're founded on the principle of looking out for your mates
The Australian Health Services Alliance represents a number of small to medium size private health insurance funds.
The AHSA agreement provides members with access to a more extensive coverage of medical providers and an improved medical gap scheme.
With exclusive member benefits at our health services locations, 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.
A real partner to our members on their health journey.
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.
GMHBA members can also access exclusive Cats Rewards as part of the partnership.
Benefits of private hospital cover
With private hospital cover, you have the option of being treated as a private patient, often within a private hospital.
Hospital cover gives you the option to choose your own doctor or specialist and you can avoid the public hospital waiting list by receiving treatment in a private hospital.
Earn over $105k as a single or $210k as a couple? Did you know that getting hospital cover may save you money at tax time?
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.
Get more from your GMHBA extras cover
With optical cover, you can enjoy exclusive discounts at GMHBA Eye Care and a range of participating eye care retailers.
If you have extras with optical included, you'll still receive your maximum benefit on the discounted price, helping you get more value from your cover.
We've partnered with smile.com.au to make dental care more affordable and accessible for our members across Australia.
With GMHBA SmartCare Extras cover you can get 100% back on preventative dental without needing to change your dentist.
Health programs and support
Receive eligible hospital-level treatment in the comfort of your own home, helping you recover in familiar surroundings while remaining under clinical care.
Access rehabilitation support at home, including physiotherapy, occupational therapy and nursing services, if you're eligible.
Improve, manage or recover your heart health with tailored education, coaching and rehabilitation programs available to eligible members.
If you're living with complex health needs, our care coordination team can help connect you with the right services and support throughout your healthcare journey.
Access expert guidance, education and practical support throughout pregnancy and the early stages of parenthood through our partnership with Nourish Baby.
Build healthier habits with a personalised program designed to support sustainable weight management and long-term wellbeing.
New to Private Health Insurance?
Looking at health insurance for the first time can be overwhelming. That’s why we’ve put together a handy three-step guide to help you get started.
✝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)
*All open hospital products