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 ide 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:
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