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GMHBA Health Insurance Review

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.
Fact Checked

Updated: 24 May 2024

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

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

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

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 and Answers

The abbreviation GMBHA stands for Geelong Medical and Hospital Benefit Association. However, in October 2000, they formally changed their name to GMHBA Limited.

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.

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.

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.

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.



Megan has extensive experience writing about health and life insurance in Australia. Megan has a special interest in health and wellness. She relies on her background in counselling psychology to convey the latest findings in a manner that is most beneficial to ComparingExperts readers. In every article she writes, Megan aims to uphold the standards of the Private Health Insurance Intermediaries Association (PHIAA) which ComparingExpert is part of.

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