GMHBA health insurance review
GMHBA is a non-profit so its policies are generally well-priced and some come with access to AIA Vitality.
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Key takeaways
- GMHBA's Silver Plus Hospital cover is often cheaper than average for its level.
- GMHBA's SmartCare Extras policies give you the flexibility to spend your benefit limit how you see fit.
- GMHBA achieved a 4.54/5 trust rating in customer satisfaction awards.
What different scores mean
9+
Excellent
Competitive pricing coupled with highly ranked extras.
7+
Great
Balanced pricing and features, offering overall good value.
5+
Standard
These products offer a balance between price and features.
0+
Basic
These products usually offer fewer extras or above average pricing.
What different scores mean
9+
Excellent
These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer treatments covered or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
Pros
- GMHBA's "Silver Plus Hospital" is a cheaper health insurance than average for policies of that cover level.
- GMHBA's "Mid Extras Set Benefits" covers hearing aids, from around $46 a month.
Cons
- If you're just looking for the most affordable policy, GMHBA isn't usually the cheapest option.
GMHBA health insurance
GMHBA offers a range of health insurance policies. Be sure to compare a range of policies to help find the best health insurance for your needs.
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Get the lowdown on Finder Score
Each month we analyse over 10,000 hospital and extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare products a bit faster.
Before we start scoring, we need to make sure we're comparing like-for-like. Just as it doesn't make sense to compare a toy car with a Porsche, it doesn't make sense to compare basic policies to top-tier gold policies. Each policy is given a price score and feature score. These are then combined to determine each policy's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.
How to make a claim
There are a few ways to make a claim on your GMHBA health insurance.
If you're claiming for extras services
- On the spot: Swipe your GMHBA membership card when paying for your appointment and GMHBA pays the provider directly.
- Online: Log into your online account to make a claim. Benefits will be paid into your nominated bank account.
- In a branch: Visit your local GMHBA branch to make a claim.
- By post: Complete a claim form and post to PO Box 761 Geelong, Victoria 3220.
If you're claiming for hospital services
If your healthcare provider participates in Access Gap Cover, the bill will be sent directly to Medicare and GMHBA. You will still need to pay your excess for any relevant hospital services and out-of-pocket costs.
If your health care provider is not participating in Access Gap Cover, you will need to submit a two-way claim form to Medicare. After Medicare completes its part of the two-way claim, it'll be sent to GMHBA. The provider will then bill you for whatever is not covered by Medicare and GMHBA - these are the out-of-pocket costs.
Complaints info
GMHBA has a reasonable track record for complaints. The organisation has 2.2% of market share but only accounted for 0.9% of all complaints received by the Commonwealth Ombudsman's Office in 2023-24. However, it did account for 2.7% of all complaints investigated by the Office.
FAQs
Sources
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