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GMHBA health insurance review

Our verdict: GMHBA is a reliable not-for-profit fund, with AIA Vitality on some hospital policies. It has good value Silver hospital coverage and some good extras policies for dental and hearing aids, but there are cheaper alternatives for Basic, Bronze and Gold policies.

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By

Gary Ross Hunter

&

Tim Bennett

Updated

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Pros

  • Access to AIA Vitality on some polices, so you can be rewarded for being healthy.
  • Good value at the Silver Plus tier. "Silver Plus Hospital" covers 34 treatments from around $125.30 a month ($500 excess).
  • The "Basic Extras" policies have a $1,000 limit for dental, from around $21.15 a month.
  • "Mid Extras" is one of the cheapest policies to cover hearing aids, from around $44.25 a month.

Cons

  • GMHBA's "Basic Extras" policies don't cover chiropractic services, psychology or remedial massage, which is covered by comparable policies from funds like Bupa and Frank.
  • AIA Vitality is not available on extras policies.
  • GMHBA had more ombudsman complaints than its market share, more than funds including nib, Bupa and HBF.

Good value GMHBA policies

These are some good value hospital policies from GMHBA, including 1 extras policy and 2 Silver tier policies.


*Quotes are based on a single individual with less than $93,000 income, $500 excess and living in Sydney.

GMHBA health insurance: Our verdict

GMHBA is a reliable not-for-profit fund that has a range of good value plans, especially if you're able to take advantage of the rewards offered through AIA Vitality.

GMHBA is good if:

  • You want a hospital policy with AIA Vitality, that rewards and motivates you to lead a healthy lifestyle.
  • You want a cheap extras policies with a high claim limit for dental. Either of GMHBA's "Basic Extras" policies will fit the bill.

GMHBA is not great if:

  • You want a cheap extras policy that has a benefit for chiropractic services, psychology or remedial massage.
  • You want a cheap Basic, Bronze or Gold hospital policy. In each of these tiers there are competitors that offer more coverage for a lower price.

Review by our insurance and innovations editor Gary Ross Hunter.

What types of health insurance does GMHBA offer?

1 - 4 of 4
Updated regularly
Name Product Treatments Price Apply Hide Compare
GMHBA Accident Only Hospital (Basic)
Basic$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$83.95
per month
Go to Site
All treatments
GMHBA Basic Plus Starter Hospital
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
    • +5 other treatments covered
$85.23
per month
Go to Site
All treatments
GMHBA Bronze Essential Hospital
Bronze$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
    • +14 other treatments covered
$93.64
per month
Go to Site
All treatments
GMHBA Gold Optimum $750
Gold$750 excess
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
    • +30 other treatments covered
$249.55
per month
Go to Site
All treatments
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1 - 9 of 9
Updated regularly
Name Product Treatments Price Apply Hide Compare
GMHBA Basic Extras Set Benefits
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +1 other treatments covered
$22.32
per month
Go to Site
All treatments
GMHBA Basic Extras 55% Benefits
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +1 other treatments covered
$32.19
per month
Go to Site
All treatments
GMHBA Essential Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$34.04
per month
Go to Site
All treatments
GMHBA Mid Extras Set Benefits
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +6 other treatments covered
$46.63
per month
Go to Site
All treatments
GMHBA Core Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +3 other treatments covered
$51.76
per month
Go to Site
All treatments
GMHBA Mid Extras 65% Benefits
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +6 other treatments covered
$70.38
per month
Go to Site
All treatments
GMHBA Premium Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +4 other treatments covered
$76.33
per month
Go to Site
All treatments
GMHBA Top Extras Set Benefits
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +6 other treatments covered
$76.64
per month
Go to Site
All treatments
GMHBA Top Extras 75% Benefits
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +6 other treatments covered
$110.37
per month
Go to Site
All treatments
loading

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GMHBA health insurance complaints

We looked at the 2022 Ombudsman health insurance complaints. Here's how GMHBA stacked up:

  • Among Australia's 19 biggest insurers, GMHBA had the 13th largest complaint ratio, which is a bad thing.
  • While GMHBA did have a proportionally large number of complaints, other health funds had more, including Australian Unity, HIF and HCF.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. GMHBA is tenth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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