Top 3 features
- Good for people who want the flexibility to mix and match their hospital and extras cover.
- Good for people who want access to a generous rewards program.
- Beware if you get overwhelmed by too many choices.
If you like the idea of a not-for-profit health insurer that puts people before profit, you might like GMHBA. They offer a wide range of hospital and extras policies giving you a ton of choice and allowing you to be flexible with your cover.
They also keep things interesting by offering access to a fully featured and highly generous rewards program on most policies.
GMHBA Health Insurance was founded in 1934 in Geelong by a group of workers from the Australian Cement Company. Today, this not-for-profit, member-based organisation offers a choice of health insurance policy options to suit the cover needs of a wide range of Australians.
All policies come with access to the AIA Vitality rewards program unless otherwise stated.
A majority of GMHBA hospital policies include access to the AIA Vitality health and wellbeing program that rewards you for a healthy lifestyle.
<With AIA Vitality, you'll get:
GMHBA offers an age-based discount to customers under 30, but only if you buy one of two combined hospital plus extras policies: the Basic Plus Package or the Bronze Plus package.
The percentage discount you receive is based on the age you are on 1 April 2019 or when you purchase your policy, whichever is later. You get to keep that discount until you are 40 and then it decreases by 2% per year.
Here is the discount you'll receive based on how old you are on the date mentioned above:
GMHBA members can lodge an extras claim in the following ways:
If you need to make a claim for medical costs, the claims process differs depending on whether or not your doctor participates in GMHBA's Gap Cover Scheme. If the doctor does participate, the bill for your medical costs will be sent to Medicare and GMHBA. If the doctor does not participate, you'll need to follow these steps:
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.