Premium freeze FAQ’s
COVID-19 lockdowns may have made it difficult for members to use their cover at times over the last 2 years. As a not for profit, we‘ve made the decision to put premium increases on hold. This is a simple way GMHBA can return value to members during this challenging time.
During the COVID-19 pandemic, many health services were interrupted, and many people delayed health care treatments.
GMHBA set aside funds to pay for claims that had to be postponed, as we expected our members would seek treatment in the future. However, not all claims that we planned for have been made, which is why as a not for profit organisation, we are returning value to our members through a 6 month premium freeze.
GMHBA will defer premium increases until 1 October 2022.
Health insurance premiums go up because health care costs increase year-on-year. Health care costs are driven by a number of factors outside of the industry’s control, including:
- Growing demand on services with more people accessing more services than ever before
- Increased cost of health service delivery with things like new medical technologies and treatments
- An ageing population and people living longer
- Increases in chronic conditions.
Make the most of your extras. Check your cover to find out which extras you can claim benefits towards. Then you’ll get better value because you’ll use more of the benefits you’re entitled to.
Review your cover to make sure you’re only paying for what you’re likely to need. Contact us to assess your cover and see if you’re on the right cover for your health needs.
GMHBA continues to assess the support measures put in place during the pandemic.
Hospital cover expanded to include COVID-19 related hospitalisations
COVID-19 related hospitalisation cover has been extended until 1 October 2022 as part of our extended COVID-19 support package. Members will continue to be covered for COVID-19 related hospitalisations as a private patient during this time, whilst they hold any level of active Hospital cover with GMHBA and have served their two month waiting periods.
Telehealth benefits extended for another 6 months.
Telehealth benefits for some extras services that were introduced as part of our COVID-19 support package have been extended until 1 October 2022.
In line with their level of cover, members can access benefits for telehealth consultations for;
- Antenatal and postnatal classes
- Approved quite smoking programs
- Diabetes education consultations
- Exercise physiology
- Occupational therapy
- Speech therapy
- Weight management programs
Members can even claim for telehealth services at the end of their consultations through HICAPS. To do this, members need to advise their provider of the 19-digit GMHBA member card number.
Given the importance of quality healthcare during a pandemic, it’s more important than ever that members understand the value of having private health insurance.
- Greater choice of provider/doctor/specialist
- Private hospital accommodation
- Protection and peace of mind for members and their families
- Cover for services not covered by Medicare such as dental, physiotherapy and optometry
- People have delayed accessing health services due to the pandemic. Access to extras benefits is a great way for people to catch up on their health checks, such as dental check-ups.
Great news, your premium is set to receive a modest decrease. We will apply this decrease from 1 April 2022, but in line with our premium freeze, you will not see this reduction reflected in your premiums until 1 October.
Don't worry, we will back-date this decrease from April onwards, and communicate with you closer to October to confirm how you will receive this.
COVID-19 support package for members
Our COVID-19 support package has been created to help our members get value and support when they need it most.
Telehealth for members
GMHBA members can claim on a range of telehealth consultations in line with their cover.