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New to health insurance?

There are many good reasons to get private health insurance: It provides more health care options, peace of mind and it may help you avoid tax. Here's our four step guide to getting started.


See why you need it


Choose your cover


Get a quote


Join online

Let's start
Flexible Cover Choices for You

Covers that let you choose

Preview our range of tailored health covers that give you more choice and flexibility!

Our range of hospital and extras covers make it easy for you to manage your health. Select the level of cover best suited to you and your families needs.

Our Products

Minimise tax

Great value covers without all the bells and whistles. Perfect for reducing tax, locking in your Lifetime Health Cover loading and taking advantage of Government rebates.

By taking out one of our hospital covers you could avoid paying the Medicare Levy Surcharge which is an extra tax for individuals earning over $90,000 or $180,000 as a family/couple.

Active lifestyle

Extra benefits and higher claiming limits for sporty people. These cover options include higher claiming limits for physio, dental and chiro to keep you performing at your best.

GMHBA has developed a range of health covers specifically for people who are into sports and fitness. Get more back for sports related extras services and be covered for injuries which are more likely to occur whilst playing sport.


Get optical cover with Australia-wide coverage and higher benefits back on frames, lenses and prescription sunnies.

Get a least 80% back on your lenses and frames with a range of extras covers to suit your needs and budget. Annual limits apply.

Starting a family

Flexible covers for starting a family with maternity cover in a private or public hospital with the option to choose your own room.

GMHBA has a range of hospital covers that can help cover the cost of giving birth in a private or public hospital.

Cover The Kids

Protect your family with Australia-wide coverage across a range of extras services including dental, optical and physio. Choose hospital cover for peace of mind but don’t pay for the things you don’t need right now like maternity and cataract cover.

We have a range of extras options including cover for dental, optical, braces and speech therapy and hospital cover to suit you in case of an accident, or for procedures like grommets.

Peace of mind

Affordable health covers with Australia-wide coverage, perfect for total peace of mind and protection.

Have the option to be treated privately, if hospital treatment becomes necessary and get extras cover for services like dental, optical and alternative therapies, so you don’t have to pay the full cost.


Member centre

Your online Member Centre gathers information, documents and links into one easy-to-find location.

Member centre

Member login

Log into your member self-service area to claim online, check your annual limits and manage your membership.

Member login

How to claim

Claiming works differently for hospital costs, medical costs, or extras provider costs. Read about how to claim.

How to claim

Member events

Oct 28 Fitness sessions
Oct 29 Yoga classes
Jan 9 - 10 Pier to Pub & Mountain to Surf

More reasons to choose GMHBA Private Health Insurance