Suspending or cancelling your membership

Thinking of suspending or cancelling your membership?

We understand that circumstances change, and some of our members may experience periods of financial hardship over the course of their lifetime. 

If you find yourself in this situation and are considering downgrading, suspending or cancelling your cover, please contact our customer service team on 1300 446 422 to discuss the support options available. They can guide you through the things to consider, help ensure you have the right level of affordable cover and answer any questions you may have.  

Having private health insurance helps protect you and your family so that you have the cover and treatment you require, by a doctor or specialist of your choice, when you most need it.



Things to consider

Before you cancel your health cover altogether, here are some things that could be helpful:

  • A cover review can give you the confidence that you are on the right plan.
  • You may be able to suspend your cover for a period of time due to financial hardship or overseas travel.
  • You may have to pay the Medicare Levy Surcharge (MLS), an additional tax which Australians need to pay if they are without private health insurance hospital cover and have an annual taxable income over $93,000 as a single or $186,000 as a couple/family.
  • Lifetime Health Cover (LHC) could apply. If you took out hospital cover with a private health insurer after the 1st of July following your 31st birthday, you would be paying a 2% Lifetime Health Cover (LHC) loading on top of your premium for every year you are aged over 30. The Lifetime Health Cover (LHC) loading is a Government loading on your private hospital cover premiums.
  • If you cancel your GMHBA Health Insurance cover within 60 days of joining, you will receive a full refund of any premiums received by GMHBA, provided you have not made a claim.

Popular and affordable covers

One of our popular and more affordable covers may better suit your health needs. They are great value for money with Australia-wide cover, providing peace of mind for you and your family.



Frequently asked Questions

  • We are committed to customer service.
  • Through our personalised approach, we provide more choice and flexibility when it comes to the health of you and your family
  • GMHBA is an Australian not-for-profit health fund which means we exist to serve our members, not shareholders
  • We have been in operation for 90 years, so you know you’re in good hands
  • GMHBA Limited is proud to be the health insurer of choice for more than 320,000 Australians
  • We support and empower our communities to live healthier lives
  • Mix and match to suit your needs. At GMHBA you can pick from a range of hospital and extras covers to cater for your life stage
  • Our range of affordable health covers deliver real value, great benefits and the freedom to choose your own registered provider, Australia wide
  • GMHBA is focused on investing in the health and wellbeing of local communities including local sporting groups, health seminars and local festivals

Value-based, not profit-based

  • We are a not-for-profit organisation and every decision is made with our members in mind
  • We are not thinking about the shareholder – we exist solely for our members. This means our focus is on putting more value into our products while ensuring that we can continue to meet our claim obligations and support our member’s health well into the future

Anyone with GMHBA extras cover can save 15 - 40% off* all dental treatments performed by a approved dentist.

*These savings may vary between dentists, and this is in addition to your existing GMHBA dental benefits.

Australian Health Service Alliance (AHSA) Medical Gap Agreement

GMHBA is part of the Australian Health Service Alliance, which represents a number of small to medium size private health insurance funds. This means GMHBA can leverage the power of the AHSA to implement better financial agreements with private hospitals and day surgeries throughout Australia and reduce members’ out-of-pocket costs.

60 Day Money Back Guarantee

If you cancel your GMHBA Health Insurance cover within 60 days of joining, you will receive a full refund of any premiums received by GMHBA, provided you have not made a claim.

Review your cover.

Make sure you are only paying for what you really need. We can complete a cover review and assess if you are on the right cover for your needs.

We have a range of affordable policies to suit your needs and budget.