Non-residents, migrants and overseas travel

Membership for non-residents of Australia

GMHBA hospital covers are designed for people who have full Medicare eligibility. These covers will not meet the cost of public hospital treatment, medical treatment or diagnostic services for people who do not have full Medicare eligibility.

Temporary residents of Australia who do not have full Medicare eligibility should contact GMHBA on 1300 446 422 or visit a branch to discuss appropriate health insurance arrangements.

If you're an overseas visitor looking for hospital cover, you should consider Frank Overseas Visitor Health cover. Frank OVHC is a brand provided by GMHBA Limited.

For more information about the temporary resident health insurance: Visit Frank Overseas Visitor Health Cover.


Migrants who join GMHBA within two months of arriving in Australia shall receive the following concessions:

  • No two month waiting period for any level of hospital cover.
  • No 12 month waiting period for pre-existing conditions/illnesses will apply to Basic Plus Hospital cover.

All other waiting periods for hospital and extras will apply. Proof of residency must be presented to GMHBA. Lifetime health cover regulations also apply to migrants. Please contact GMHBA on 1300 446 422 or visit a branch for more information.

Overseas travel

GMHBA does not provide benefits for services or treatment received overseas. GMHBA advises that you take out travel insurance for the set period of your travel and that it’s suitable to the destinations you’re visiting.