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.
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 $46 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.
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
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.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 241 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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