GMHBA Health Insurance: Product & policy information for 2019

GMHBA is a not for profit health fund dedicated to helping Australians achieve optimum health¹. With over 80 years’ experience¹, GMHBA offers affordable health cover solutions and a range of programs designed to inspire, educate and help you manage your health.

What is included in a GMHBA health insurance policy?

As with most health funds, there are two product types for you to consider when it comes to taking out health insurance with GMHBA: Hospital cover and Extras cover.

• Hospital cover: helps you pay for treatment as a private patient in either a public hospital or private hospital. The type of treatment you are covered for will vary depending on the level of cover you choose.
• Extras Cover: covers some of the cost for out-of-hospital care and services not covered by Medicare. Extras cover helps you take care of the things that are important to your lifestyle including dental, optical, physio and chiro.

With GMHBA hospital and extras cover you have access to a wide range of care and treatment options, without the burden of public hospital waiting lists and potentially huge out-of-pocket expenses (for included services).

GMHBA Hospital Cover policy products:

GMHBA offer a range of private hospital cover policies², helping you to select one which suits your needs. Here’s what’s currently on offer as of June 2019:

• Basic Plus Hospital
• Bronze Essential Hospital with AIA Vitality
• Bronze Plus Hospital
• Silver Core Hospital with AIA Vitality
• Silver Plus Hospital
• Silver Plus Premium Hospital with AIA Vitality
• Silver Plus Premium Hospital
• Gold Ultimate Hospital with AIA Vitality

Each of these Basic, Bronze, Silver, and Gold products must contain the minimum requirements set by the Australian government. You can learn more about the Private Hospital product tiers here.

Extras Cover with GMHBA

While you can always bundle your extras cover along with your hospital cover, GMHBA also offer a range of Extras only policies to suit you. Here’s what’s available from GMHBA as of June 2019:

• Basic Extras Set Benefits: This includes cover for preventative dental and optical
• Basic Extras 55%: This includes cover for preventative dental and optical
• Mid Extras Set benefits: This includes cover for a range of services including general and major dental, optical, and remedial massage. This product also includes cover for chiropractic and osteopathy, acupuncture, orthodontics, remedial massage, psychology, dietetics, audiology, eye therapy, speech therapy, podiatry, nursing, blood glucose monitors, and more
• Mid Extras 65%: This includes cover for a range of services including general and major dental, optical, and remedial massage
• Top Extras Set Benefits: This includes cover for a range of services including general and major dental, optical, and remedial massage
• Top Extras 75%: This includes cover for a range of services including general and major dental, optical, and remedial massage. Also exercise physiology, antenatal and postnatal classes, and weight management programs

What other health services does GMHBA offer?

GMHBA is dedicated to helping Australians live their lives to the fullest. They know that taking care of your health and well-being is a lifelong commitment and offer a range of information³, support and educational resources to help you on your journey.

Post-hospital support programs:

Sometimes going to hospital is unavoidable, but if you do have to go, the last thing you want to do is stay longer than you need to.

To help you get back home as soon as possible, GMHBA offers eligible hospital policy holders access to its Hospital in the Home (HITH) and Rehabilitation in the Home (RITH) programs⁴.

• Hospital in the Home – offers an alternative to an in hospital stay for eligible patients. If you take part in a HITH program you will be provided with a nurse, doctor or appropriate health professional, and home support if required.
• Rehabilitation in the Home – allows eligible patients to undertake all or part of their rehabilitation in the comfort and privacy of their own home. As part of the RITH program, GMHBA will make sure the home is safe and provide a treatment program to help restore strength and mobility.

Care coordination service:

CCS organises care for eligible members with complicated health problems⁵. It doesn’t matter what level of hospital cover you hold, GMHBA’s care coordination service can provide you with support, information and access to health services, at no extra cost.

Chronic Disease Management Program:

CDMP provides eligible members who suffer from chronic diseases with the care and support they need to maintain optimal health⁶. To ensure you get the best support possible, GMHBA has partnered with Remedy Healthcare, a leading provider of evidence-based self-management programs and telephone based health coaching.

Looking to compare health insurance policies?

Although we don’t compare policies from GMHBA, with iSelect you can compare health insurance policies from our range of providers to find a policy which suits you. Start comparing online today, or call our friendly team on 13 19 20.

We don’t compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from our providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect will be available to all customers. Some policies and special offers are available only from our call centre and others are available only from our website. Click here to view our range of providers.

Sources:
1. https://www.gmhba.com.au/about
2. https://www.gmhba.com.au/health-insurance/quote?step=2&view=all
3. https://www.gmhba.com.au/health
4. https://www.gmhba.com.au/health/hith
5. https://www.gmhba.com.au/health/care-coordination-service
6. https://www.gmhba.com.au/health/chronic-disease-management