New to health insurance?

Looking to get health insurance for the first time?

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 our four step guide to getting started:

1. Understand the benefits of health insurance

More benefits


Our hospital covers can provide you with:

  • Treatment as a private patient
  • Greater choice and flexibility around when you're treated, which doctor you see and in which hospital (compared to public patients in a public hospital)
  • Avoid the Medicare Levy Surcharge if it applies to you
  • Lock in your Lifetime Health Cover age
  • Have peace of mind knowing you are covered for unexpected medical bills.

Our extras covers provide you with insurance on the common services Medicare doesn’t cover including:

  • Dental & Orthodontic care to keep your teeth healthy
  • Visits to the Physio, Chiropractor or Remedial Massage
  • Optical care including glasses or contact lenses.

2. Choose a cover type

Hospital cover includes coverage for the two types of costs associated with private treatment while you're an inpatient in a registered hospital - hospital costs and medical costs. Having hospital cover means your health insurer will help pay these costs.

Extras cover provides benefits for services like dental, optical (glasses and contact lenses), physiotherapy, podiatry and ambulance. The cost of these services is often not covered by Medicare, so whenever you use any of them you incur the full cost yourself.

You can mix and match any of our hospital and extras covers to create a customised combined cover to suit your life stage.

3. Get a quote

Get a quote


We recommend that you use our online quote tool to obtain a quote for cover. It factors in your Federal Government Rebate tier, your State and your family status to provide you with a personalised quote.

4. Join online

How to join


The online application form is straightforward and takes less than 10 minutes to complete. Just make sure you have the following information handy:

  • Your Medicare card
  • Your bank account or credit card details
  • The names and dates of birth of all the people who will be covered by your policy

There are other ways to join GMHBA too: over the phone, in a branch, or via post.