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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Our verdict

Pros

  • GMHBA's "Silver Plus Hospital" is a cheaper health insurance than average for policies of that cover level.
  • Access to AIA Vitality on some policies, so you can be rewarded for being healthy.
  • GMBHA's "Mid Extras Set Benefits" covers hearing aids, from around $45 a month.

Cons

  • If you're just looking for the most affordable policy, GMBHA isn't usually the cheapest option.
  • GMHBA's "Basic Extras" doesn't cover chiropractic services, psychology or remedial massage, but similar-priced policies from Bupa, Frank, and others do.
  • AIA Vitality is not available on extras policies.

GMBHA 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.

Name and lozenges Finder Score Treatments Price
Finder score
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$111.35
per month
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Finder score
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$113.05
per month
Go to SiteView details
Finder score
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
$124.20
per month
Go to SiteView details
Finder score
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
$331.00
per month
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Showing 4 of 4 results
Name and lozenges Finder Score Treatments Price
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$29.60
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$42.70
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$45.15
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$61.85
per month
Go to SiteView details
GMHBA Core Extras
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$68.65
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$93.35
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$101.25
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$101.65
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$146.40
per month
Go to SiteView details
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Showing 9 of 9 results

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 Porche, 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 policies's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.

What do Australians think of GMHBA health insurance?

  • 4.06/5 overall for Customer Satisfaction — lower than the average of 4.13
  • 4.54/5 for Trust — higher than the average of 4.46
  • 4.09/5 for Customer Service — lower than the average of 4.17

Based on GMHBA health insurance scores in Finder's 2024 Customer Satisfaction Awards.

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 1.9% of all complaints received by the Commonwealth Ombudsman's Office. However, it did account for 2.7% of all complaints investigated by the Office.

FAQs

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 240 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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