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Compare our hospital and extras covers

Hospital Cover Extras Cover

Hospital cover

Key
Covered Tick
Not Covered Cross
Public hospital cover as a private patient only Tick Box
Partially covered.
Co-payments apply
Hash
Excess options Bronze Hospital
Starts at $13.20^/week
Silver Hospital
Starts at $19.90^/week
Gold Hospital
Starts at $29.65^/week
Level 0 $0 $0 $0
Level 1 $250 $250 $250
Level 2 $500 $500 $500
Excess waived for child dependants under 21 years old cross cross Tick
Some of the common services covered include:
Accommodation for overnight and same day surgery Tick Box Tick Tick
Accommodation – single room (where available) cross hash Tick
Accommodation – shared room Tick Box Tick Tick
Accidents Tick Box Tick Tick
Appendicitis Tick Box Tick Tick
Health Programs and Best Doctors Tick Box Tick Tick
Cardiac Tick Box Tick Tick
Cataract & corneal transplants Tick Box cross Tick
Dental implant surgery Tick Box cross Tick
Gastric banding and all obesity surgeries cross cross Tick
Haemodialysis cross cross Tick
Intensive and coronary care Tick Box Tick Tick
Joint investigations eg. knee arthroscopy Tick Box Tick Tick
Joint reconstructions eg. knee Tick Box Tick Tick
Joint replacements eg. hip Tick Box cross Tick
Medical gap cover Tick Box Tick Tick
Minor gynaecological procedures Tick Box Tick Tick
Operating theatre Tick Box Tick Tick
Pregnancy related services (including childbirth) Tick Box cross Tick
IVF and assisted reproductive services Tick Box cross Tick
Healthy Start Benefit cross cross Tick
Psychiatric services Tick Box Tick Tick
Rehabilitation services Tick Box Tick Tick
Removal of tonsils and adenoids Tick Box Tick Tick
Removal of appendix Tick Box Tick Tick
Surgically implanted prostheses - (Government Prosthesis List group benefits) Tick Box Tick Tick
Options
Remove IVF related services and pregnancy - - Tick
Gap Saver – increased medical gap cover and a single room guaranteed - - Tick

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Hospital Cover Extras Cover

Extras cover

Effective March 1, 2014

Options   Bronze Extras
Starts at $4.30^/week
Silver Extras
Starts at $7.85^/week
Gold Extras
Starts at $15.25^/week
Set Benefits   Tick Tick Tick
Percent Back   55% 65% 75%
Services included Waiting Period Annual limit
Dental   $1000 $1,500 $2,000
- General dental 2 months      
- Preventative services 2 months Up to $300 Up to $400 Up to $500
- Major dental 12 months      
- Orthodontics 12 months   Max $1,710 per course of treatment Max $2,550 per course of treatment
- Combined crown and bridgework 12 months   $450 $600
- Indirect restorations 12 months   $350 per person
$700 per family
$400 per person
$800 per family
- Implants 12 months   $500 $600
Optical 6 months $150 per person $200 per person $250 per person
Physiotherapy, myotherapy and hydrotherapy 2 months $300 per person
$600 per family
$400 per person
$800 per family
$500 per person
$1,000 per family
Exercise Physiology 2 months     $350 per person
$700 per family
Chiropractic and osteopathy 2 months   $300 per person
$600 per family
$350 per person
$700 per family
Naturopathy, homeopathy, acupuncture and remedial massage 2 months   $300 per person
$600 per family
$350 per person
$700 per family
Ambulance subscription/transport N/A   $300 per trip
$500 per person
$300 per trip
$500 per person
Psychology 2 months   $350 per person
$600 per family
$500 per person
$800 per family
Pharmacy including travel vaccinations – private script 2 months $150 per person
$350 per family
$250 per person
$450 per family
$350 per person
$550 per family
Dietetics and Diabetes Education Consultations 2 months   $400 per person $500 per person
Fluoride dietary supplement 2 months $45 per person $45 per person $45 per person
Audiology 2 months   $400 per person $500 per person
Antenatal and postnatal classes 2 months     $350 per person
Eye therapy and speech therapy 2 months   $400 per person $500 per person
Occupational therapy 2 months $300 per person
$600 per family
$400 per person
$800 per family
$350 per person
$1,000 per family
Podiatry 2 months (12 months for surgical procedures)   $250 per person $300 per person
Nursing 2 months   $1,000 per person $1,000 per person
Prostheses (non-surgical) 12 months   $200 per person every 3 years $250 per person every 3 years
Health aids and appliances        
- Blood glucose monitor 12 months   $150 per person $200 per person
- Extremity pump 12 months   $300 per person $300 per person
- Nebuliser pump 12 months   $150 per person $150 per person
- Sleep apnoea monitor 12 months   $200 per person $200 per person
- Tens monitor 12 months   $100 per person $100 per person
- Hearing aids 12 months   $1,200 per person every 3 years $1,500 per person every 3 years
- Orthotic appliances (foot) 12 months   $200 per person
$400 per family
$250 per person
$550 per family
- Pressure garments 12 months $100 per person every 3 years $200 per person every 3 years $300 per person every 3 years
- Orthopaedic appliances 12 months $200 per person every 3 years $300 per person every 3 years $400 per person
- Weight loss program 2 months     $400 lifetime limit per policy

Preventative Health Benefits

Preventative Health Service limit Bronze Extras Silver Extras Gold Extras
Bowel cancer identification kits (purchased through GMHBA) 1 every 2 years $50 per person
$100 per family
$100 per person
$200 per family
$150 per person
$300 per family
Melanoma Surveillance Photography 1 per year
Quit smoking programs 1 per year
Nicotine replacements patches 1 x 12 course of patches per year

Waiting periods and pre-existing conditions

Waiting periods and rules around pre-existing conditions apply to all GMHBA's Hospital covers. Please read the Waiting Periods page for a general overview. For more detailed information you should read the Waiting Periods and Pre-existing Conditions section of the Important Information Flyer.

^The starts at price shown is per week, applies to a single living in VIC and assumes a Base Tier Government Rebate.

Weekly payment frequency is shown for comparative purposes only and is not an available payment frequency.

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