3simplestepstobuying
healthinsurance
Step
Hospitalcover,extrasorboth?
• Level 0 Nil excess
1
If you’d like to be covered for treatment • Level 1 ($250 single and $500 families/
when you’re admitted to hospital you’ll need couples/single parents)
hospital cover. See pages 20-33 for details.
• Level 2 ($500 single and $1,000 families/
If you’d like cover for services like dental, couples/single parents)
physiotherapy or glasses you’ll need extras cover.
We also offer 3 levels of extras cover:
Medicare doesn’t always cover these services so
having extras cover will help pay for them. See Gold – Covers a comprehensive range of
pages 34-53 for details. services with excellent benefits.
You can take out hospital on its own but many Silver – Covers an extensive range of
people choose to combine it with extras cover. services with adequate benefits.
You can mix and match any of our hospital covers
Bronze – Covers a range of common services
with just about any extras cover to create a cover
with adequate benefits.
that’s just right for you. Or you can take out a
packaged cover that GMHBA has designed for If you want the best hospital cover and only basic extras
young singles. then combine a Gold hospital cover with Bronze extras.
If extras cover is most important then combine Gold
Step
Whatlevelofcoverdoyouneed? extras with a Silver or Bronze hospital cover. Or you can
2
We have different levels of hospital and
just take out one or the other.
extras cover so that you can find one
See pages 4-5 for our recommended covers depending
that suits you.
on your reason for taking out health insurance.
There are 3 levels of hospital cover:
Step
Howtojoin
Gold – Private hospital cover with nil excess
There are 4 simple ways you can join
or different excess levels.
3
GMHBA health insurance
Silver – Private hospital cover with an excess
1. Get a quote and join online at GMHBA.com.au
and some exclusions to make them
2. Call our Customer Service Centre on
more affordable.
1300 4 GMHBA (46422).
Bronze – Public hospital cover with nil excess
3. Refer to the rate chart and fill in the application
or different excess levels.
form at the end of this member guide.
4. Visit a branch.
You can reduce the cost of your hospital cover by
choosing an excess. There are 3 different excess
levels available on Gold and Bronze Hospital:


2


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