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.
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.
Why you can trust Finder's health insurance experts
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
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 238 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.