Contents
3 simple steps to buying health insurance 2
Jointhehealthfundthat’sforpeople,
What is your lifestage and why do you
notforprofit.
want health insurance? 4 At GMHBA, we won’t waste your premiums on
gimmicks, sports stars or extravagant sponsorships.
How we help our members 6
Because we’re for people, NOT for profit, our goal is
paying your claim, not dividends to shareholders.
How to save money 8
In fact Australia‘s leading consumer magazine
Why people choose GMHBA 10
invited health funds to participate in a health
Health insurance made easy 12
insurance review. Of the 16 that responded GMHBA
was awarded as many ‘hospital cover best buys’
Why you need hospital cover 18
as Medibank, HBA, Australian Unity, MBF, NRMA,
HBF, Health Partners, SGIO and NIB combined!
Why you need extras cover 19
When you call us, you’ll speak to a real person
GMHBA hospital covers 20
who can help you decide which level of health
GMHBA extras covers 34
cover is best for you. And, we don’t just claim
that we provide exemplary customer service… we
Waiting periods 54
can prove it through our outstanding customer
satisfaction results.
Connect rewards plus 55
GMHBA is 75 years young and provides health
Healthy services 57 insurance for 166,000 Australians. We’re one of the
fastest growing health funds in Australia because
Save time and money 58
we simply sell value-for-money health insurance
and provide excellent customer service! So if you
Important information 63
want high quality, low cost health insurance that
Direct debit service agreement 78
has its members in mind… join GMHBA.
Join GMHBA 79
Application forms
Rate chart (insert)
GMHBA is a not-for-profit private health insurance company governed
by the Private Health Insurance Act 2007, Private Health Insurance Rules
2007 and our fund rules.
Information in this member guide is designed for people who have
full Medicare eligibility and is current as at the 1st of April 2008 and
replaces all earlier versions. It summarises our policies, benefits,
premiums, and fund rules which are subject to change from time to
time. Any personal information provided to GMHBA will be treated in
accordance with our Privacy Policy.
Please read this member guide carefully including the important information
on pages63-77 and retain with any other GMHBA documents. Please call
our customer service centre on 1300 4 GMHBA (46422) or visit a branch
if you’d like clarification on any of the terms used, or simply want help
choosing your health cover.
We recommend you contact GMHBA for a benefit estimate before
commencing treatment to confirm the benefit payable.


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