Pay no excess on same day procedures
At GMHBA we know that small things can help you get value from your hospital cover, which is why we've added an excess waiver to same day hospital procedures on all eligible* hospital covers. It's one of the ways we're helping you save on out-of-pocket costs.
*Does not apply to closed hospital products. All hospital waiting periods apply, including standard 2- and 12-month waiting periods and waiting periods for pre-existing conditions which may be up to 12 months.
^Pricing based on Single, aged 30 living in VIC earning $101,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
All of our hospital covers include no excess for same day stays, pick one that suits you
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Accident Only Hospital (Basic)
FROM$ 19 .30
Hospital Excess $750Minimum basic hospital cover with accident protection-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Emergency ambulance cover
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Basic Plus Starter Hospital
FROM$ 19 .50
Hospital Excess $750Basic Plus Hospital cover with some key inclusions, as well as accident protection-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Dental surgery
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Joint reconstructions
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Bronze Plus Advantage Hospital
FROM$ 24 .35
Hospital Excess $750Our most comprehensive Bronze Plus cover which balances peace of mind with great value-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Plastic & reconstructive surgery (medically necessary)
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Back, neck & spine
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Silver Plus Hospital
FROM$ 30 .25
Hospital Excess $750A popular choice offering a range of services with some exclusions to keep costs down-
No excess for children under 21
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Excess waiver for same day stays
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Heart & vascular system
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Lung & chest
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Silver Plus Premium Hospital
FROM$ 43 .25
Hospital Excess $750High level cover with minimal exclusions-
No excess for children under 21
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Excess waiver for same day stays
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Joint replacements
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Cataracts
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Gold Optimum Hospital
FROM$ 72 .20
Hospital Excess $750Peace of mind hospital cover with no exclusions-
No excess for children under 21
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Excess waiver for same day stays
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Single room guarantee – if you request a single room in a private hospital
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Pregnancy & birth
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Why choose private health insurance with GMHBA
Accidents happen, that’s why we have included accident protection on all hospital products.
Peace of mind during an emergency means a lot, which is why we have included emergency ambulance cover on all hospital products.
Through our Healthier Together newsletter, podcast and, community events, we continue to support the health of our members.
GMHBA partners with a number of organisations to support the health and wellbeing of our members and community.
Canstar approved, four years in a row!
GMHBA has done it again with Canstar’s 2025 Winner of Outstanding Value Award – Hospital & Extras Insurance: VIC. We are proud to provide Australians with 5 star health cover for our hospital and extras products.
Switching to GMHBA
Find the right cover for you
View our range of hospital and extras products, and choose the cover that best suits your needs.
We'll do the paperwork
That's right - we’ll take care of cancelling your old membership, request the transfer certificate from your old insurer and handle all of the paperwork for you.
You won't re-serve waiting periods*
Join on the same or lower level of cover within 30 days of your previous cover ceasing, and we will recognise waiting periods served with your old insurer.
*Waiting periods apply for increased cover.