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GMHBA Health Insurance Review

Megan Fraser Fact Checked Updated: 28 April 2021
Types of Health Insurance

Now more than ever, health insurance is essential. It’s vital for both ourselves and our families. But with many different plans, policies, and insurers out there, it can be challenging to choose the one that fits our lifestyle.

GMHBA insurance is one of Australia’s leading not-for-profit health care insurers. With different policies, such as nine Extras policies and six Hospital plans, on offer, you’ll be able to find a plan that best suits you and your family’s life. Make your choice easier by going through this GMHBA review.

ComparingExpert does not currently have access to this provider. Visit GMHBA website to request a quote and compare their price and benefits to the Australian private health insurance companies we have access to.

About GMHBA private health insurance

The insurer is a not for profit regional health insurer in Australia. Since its inception in 1934, the fund has grown into one of the country’s leading health funds, with over 370 000 members. They provide a large range of health covers, plans, policies, and various Extras policies.

Pros and cons

Advantages Disadvantages
All eligible Hospital plans get access to AIA Vitality. Ambulance cover is dependent on which state you live in.
Members younger than 30 receive discounts when purchasing the Basic or Bronze Plus Package.A higher than average premium rise is expected, being 3.31%
Provides primary care, eye care, dental care, and allied health services in Victoria.
The company forms part of the Australian Health Services Alliance (AHSA) medical gap agreement, where better financial agreements with private hospitals and day surgeries are implemented and therefore save you money.

Waiting periods

GMHBA Hospital Cover

Basic Plus Hospital$123.65
  • Blood Ear, nose and throat
  • Miscarriage and termination of pregnancy
  • Bone, joint and muscle
  • Eye (not cataracts)
  • Pain management
  • Brain and nervous system
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Silver Core Hospital$157.80
  • Implantation of hearing devices
  • Tonsils, adenoids and grommets
  • Dental surgery
  • Joint reconstructions
  • Diabetes management (excluding insulin pumps)
  • Kidney and bladder
  • Digestive system
  • Lung and chest
  • Ear, nose and throat
  • Male reproductive system
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Silver Plus Premium Hospital$227.30
  • Back, neck and spine
  • Chemotherapy, radiotherapy and
  • immunotherapy for cancer
  • Insulin pumps
  • Rehabilitation
  • Dental surgery
  • Joint reconstructions
  • Hospital psychiatric services
Silver Plus Classic Hospital$215.55
  • Back, neck and spine
  • Eye (not cataracts)
  • Miscarriage and termination of pregnancy
  • Blood
  • Gastrointestinal endoscopy
  • Pain management
  • Bone, joint and muscle
  • Gynaecology
  • Pain management with device
  • Brain and nervous system
  • Heart and vascular system
  • Palliative care
  • Hospital psychiatric services
Gold Ultimate Hospital$237.70
  • Back, neck and spine
  • Eye (not cataracts)
  • Miscarriage and termination of pregnancy
  • Blood
  • Gastrointestinal endoscopy
  • None

Source: 01 April 2021

GMHBA Extras

There are nine Extras policies, each with its own unique set of benefits, waiting periods, and annual limits, allowing you to pick the plan that best suits your lifestyle and price range. Below are a few of the core Extras policies.

Basic Extras 55% $16.90
  • 2 months: General dental, Non-PBS pharmaceuticals, Physiotherapy, Occupational therapy, Vaccinations
  • 6 months: optical
  • Dental: $1,000
  • Optical: $150
  • Non-PBS pharmaceuticals: $150
  • Physiotherapy: $300
  • Occupational therapy: $300
Mid Extras 65%$85.00
  • 2 months: General dental, Non-PBS pharmaceuticals, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Audiology, Dietetics/dietary advice, Eye therapy, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations
  • 6 months: Optical
  • 12 months: Major dental, Endodontic, Orthodontic, Hearing aids, Blood glucose monitors
  • $1,500 per policy
  • Orthodontic: $2,400
  • Optical: $200
  • Non-PBS pharmaceuticals: $250
  • Physiotherapy, Dietetics/dietary advice, Eye therapy, Occupational therapy: $400
  • Chiropractic: $300
  • Podiatry: $250
  • Psychology: $350
  • Acupuncture, Remedial massage: $300
  • Hearing Aid: $1,200
  • Blood Glucose: $
  • Audiology: $400
Top Extras 75%$135.30
  • 2 months: General dental, Non-PBS pharmaceuticals, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Audiology, Ante-natal/Post-natal classes, Dietetics/dietary advice, Exercise physiology, Eye therapy, Occupational therapy, Osteopathy, Speech therapy, Vaccinations.
  • 6 months: Optical
  • 12 months: Major dental, Endodontic, Orthodontic, Hearing aids, Blood glucose monitors, Orthotics
  • Orthodontic : $3,200 lifetime limit
  • Optical: $250
  • Non PBS pharmaceuticals: $350
  • Physiotherapy: $500
  • Chiropractic: $350
  • Podiatry: $300
  • Psychology: $500
  • Acupuncture and Remedial massage: $350
  • Hearing aids: $1,500
  • Blood Glucose monitors: $200
  • Audiology: $500
  • Ante-natal/Post-natal classes: $350
  • Dietetics/dietary advice: $500
  • Eye therapy: $500
  • Occupational Therapy: $500
  • Orthotics: $115 per service up to $25

Source: 01 April 2021; AIA Vitality

Does GMHBA offer any discounts or special benefits?

With AIA Vitality and as a member, you can receive several discounts and special benefits depending on the health service required. Below is a list of rewards and discounts you can get:



Chronic Disease Management Program:

Hospital in the home:

Safe Sleep Space and Nourish Baby:

Rehabilitation in the home:

How to join GMHBA

  • Visit a branch and speak to a broker in person.
  • Call the customer care centre at 1300 446 422.
  • Join online using the link in their Quote tool and complete the application form, which you can post to the company.
  • Request a quote on their page.

How do you claim from GMHBA?

Your bill will be sent directly to your insurer after visiting either a public hospital or one of the company’s participating hospitals. If this is the case, you only pay your agreed Excess and Co-payments.

If you’re claiming from an Extra’s policy, you have a couple of options. You can swipe your membership card at the provider, claim online through the insurer’s member self-service centre, post your completed claim form with receipts online. Or lodge your claim with Medicare, who will then forward it to your insurer for you.

Frequently asked questions

  • What does GMHBA stand for?

    The abbreviation GMBHA stands for Geelong Medical and Hospital Benefit Association. However, in October 2000, they formally changed their name to GMHBA Limited.
  • Is GMHBA a good health fund?

    With over 370 000 members and 75 years experience, a number of people find that this is the right insurer for their needs. However, whether they’re the right fund for you will typically depend on your circumstances and requirements. Typically, it’s a good idea to compare all of the options to find the right insurer for you and your family.
  • Is GMHBA a not for profit health fund?

    Yes, the company is a not for profit health fund. This means that any fees received from members are fed directly back to the insurer. Typically, members premiums are used to run the business, pay claims and improve existing products on offer.
  • Does the company cover ambulance services?

    GMHBA offers different ambulance services, depending on the state you reside. For example, live in Victoria and have an Ambulance Victoria Subscription with any Mid or Top Extras cover from GMHBA. The insurer will pay a benefit towards your ambulance subscription each year to help you offset the cost of comprehensive ambulance cover.
  • How to pay GMHBA premiums?

    Payments can be made online, in person at one of the branches, by phone, by mail, or you can ask your employer to deduct premium charges from your salary.

Other topics

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