Hospital Cover
We have a range of cover for any budget, take the stress out of your next hospital visit with GMHBA hospital cover.
We know that getting health insurance for the first time can be overwhelming. That’s why we’ve put together a guide to help you get started.
Learn more about the reasons people often take out health insurance and the types of cover available.
We're a not-for-profit health fund and have been putting the health of our members first for over 85 years.
^Pricing based on Single, aged 30 living in VIC earning $93,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
Browse and compare our hospital products.
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Accident Only Hospital (Basic)
FROM$ 19 .25
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per week
Hospital Excess $750-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Emergency Ambulance cover
Minimum basic hospital cover with accident protection.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Basic Plus Starter Hospital
FROM$ 19 .40
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per week
Hospital Excess $750-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Dental surgery
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Joint reconstructions
Basic Plus Hospital cover with some key inclusions, as well as accident protection.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Bronze Plus Hospital
FROM$ 23 .30
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per week
Hospital Excess $750-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Bone, joint and muscle
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Blood
Everyday value cover for a range of procedures with exclusions.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Bronze Plus Advantage Hospital
FROM$ 23 .70
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per week
Hospital Excess $750-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Plastic & reconstructive surgery (medically necessary)
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Back, neck & spine
All the benefits of our Bronze Plus Hospital cover, powered up for Back, Neck & Spine.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Silver Plus Hospital
FROM$ 30 .10
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per week
Hospital Excess $750-
No excess for dependants under 21
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Excess waiver for same day stays
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Heart & vascular system
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Lung & Chest
A popular choice for established families looking for cover on a range of services with some exclusions to keep costs down.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Silver Plus Premium Hospital
FROM$ 42 .25
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per week
Hospital Excess $750-
No excess for dependants under 21
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Excess waiver for same day stays
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Joint replacements
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Cataracts
High level cover with minimal exclusions.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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Gold Optimum Hospital
FROM$ 62 .85
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per week
Hospital Excess $750-
No excess for dependants under 21
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Excess waiver for same day stays
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Single room guarantee
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Pregnancy and birth
Peace of mind hospital cover with no exclusions.
Hospital Services
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Gynaecology
- Dental surgery
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Bone, joint and muscle
- Kidney and bladder
- Male reproductive system
- Digestive system
- Gastrointestinal endoscopy
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain management
- Skin
- Breast surgery (medically necessary)
- Diabetes management (excluding insulin pumps)
- Blood
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (by an accredited podiatric surgeon)
- Back, neck and spine
- Rehabilitation
- Palliative care
- Heart and vascular system
- Lung & Chest
- Implantation of hearing devices
- Sleep studies
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Insulin pumps
- Pain management with device
- Hospital psychiatric services
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
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What is AIA Vitality?
The globally renowned health & wellbeing program that rewards you for healthy behaviours.
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Up to $500 in shopping rewards per membership year at Myer, Woolworths, rebel, Bunnings, House, Amazon and Ticketmaster
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Up to 50% cash back on the base fare of eligible Virgin Australia flights
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Up to 50% off endota spa e-Gift Cards
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Up to 50% off selected gym memberships includes Virgin Active, Fitness First and Goodlife
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The cost of AIA Vitality is $10 per month per eligible adult, less 5% discount off your health insurance and AIA Vitality package. For more information: https://www.gmhba.com.au/aia-vitality
The health insurance product may be purchased without AIA Vitality by calling 1300 446 422.
Lifetime Health Cover (LHC)
The Lifetime Health Cover (LHC) loading is a Government loading on your private hospital cover premiums. It was introduced on July 1, 2000 to encourage people to take out private hospital cover earlier, and to maintain their cover.
Understanding what services are covered
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Included
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Not Included
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Restricted
Restricted services are limited to a minimum (default) benefit as set by the Australian Government for accommodation as a private patient in a shared room of a public hospital. The benefit does not cover the cost of a private room in a public hospital or any room in a private hospital, and does not cover theatre costs. If you are admitted to a private hospital for treatment that is restricted by your policy, large out of pocket expenses will apply.
Waiting Periods
Hospital services
A waiting period is the time between joining GMHBA and when you're covered for a hospital treatment.
Waiting Period: 0 days (accidents must occur after joining)
Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover.
Waiting Period: 2 months
Any other benefit for hospital (or hospital substitution) treatment unless otherwise stated.
Waiting Period: 12 months
Obstetrics and maternity, pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care).
Pre-existing conditions
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Waiting Periods
Extras services
A waiting period is the time between joining GMHBA and when you're covered for a treatment or service.
Waiting Period: 2 months
Any services that are not specified below.
Waiting Period: 6 months
Optical, home and domestic aids and medical aids.
Waiting Period: 12 Months - Major dental services
Including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth (including wisdom teeth).
Waiting Period: 12 Months - Health appliances
Including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot).
Looking for hospital and extras cover?
Why take out hospital cover?
You can't control when you get sick, but with private health insurance you have control of your healthcare journey. Enjoy the peace of mind that comes with choosing your doctor and may reduce wait times by being treated in a private hospital
Switching to GMHBA
Find the right cover for you
View our range of hospital and extras products,and choose the cover that best suits your needs.
We'll do the paperwork
We’ll cancel your old membership, request the transfer certificate from your old insurer and handle all of the paperwork for you.
You won't re-serve waiting periods*
We'll recognise the waiting periods at your previous fund.
*Waiting periods apply for increased cover, must join within 30 days of ceasing your previous cover.
Hospital Cover FAQs
In most instances taking out private health insurance gives you access to be treated in the private healthcare system. You’ll often have the ability to choose your preferred doctor and reduced waiting times by avoiding the public waiting list for some services and elective surgeries.
Private hospital cover pays benefits towards treatment in hospital, reducing some of your out-of-pocket expenses and wait times if you choose to be treated in a private hospital. It also gives you the ability to choose your doctor and if you would like to be treated in a private or public hospital.
When you’re admitted to hospital your private health insurance will pay benefits towards your in-hospital treatment and admission costs.
What’s covered in your policy will depend on the level of cover you choose.
When purchasing cover through GMHBA, you will be able to view the services and treatments available on each product. Always take note of what’s included, so you know you’re covered for the things that matter most to you.
The level of cover that’s right for you will depend on your individual needs, age, health and lifestyle.
If you’re a young, healthy single looking to get covered for the basics without breaking your budget, then a low level of cover might be the way to go.
For young families or those living with existing health conditions, a more comprehensive level of cover may be more appropriate in order to gain complete peace of mind.
Need some help?
Can't find what you are looking for? Visit our help page or contact our friendly customer service team.