GMHBA GOLD HOSPITAL COVER
GMHBA Gold Hospital Cover (Health Insurance)
        
GMHBA Gold Hospital Cover is available to everybody including singles, single parents, couples and families and covers you for a wide range of hospital services. Hospital cover will cover some or all of your expenses while you are in a hospital. How much is covered, however, depends on your level of cover, the procedure or care given and the hospital you choose to stay in.
Location: Australia
Advantages:
1. Be treated as a private patient.
2. Choose your own doctor and hospital.
3. Lock in your Lifetime Health Cover age
4. Avoid the Medicare levy surcharge.
5. Have peace of mind knowing you are covered for unexpected medical bills.
6. Join GMHBA online before the end of this month and you won’t have to serve the normal 2 month health insurance waiting periods for general dental, physio, occupational therapy, pharmacy or any level of hospital cover excluding psychiatric, rehabilitation or palliative care.
Disadvantages:
1. You cannot claim for pharmacy items, where they are available over the counter and purchased with or without a prescription.
2. A range of dental procedures when provided on the same day e.g. a filling on a tooth that has been removed.
3. It does not cover for services like dental, physiotherapy or glasses.
4. Limited benefits may apply to cosmetic surgery and high cost drugs. Drugs purchased outside of the hospital are not included.
Services:
1. Claims may be made personally at any GMHBA branch, by post or by the assignment of your benefit entitlement to a hospital or health care provider

Policy Name: Gold Hospital Cover
Policy Cost: Apply to confirm
Policy Excess: Nil excess or different excess levels

Cover Type: Hospital Cover
Cover Level: Comprehensive
Cover Detail:
1. No matter what excess option you choose, Gold Hospital provides cover at participating private hospitals for:
a. Accommodation - shared and private room (where available)
b. Theatre Delivery suite
c. Intensive and coronary care
d. Same day treatment
e. Surgically implanted prostheses (Government prescribed benefits)
f. Medical gap
g. Other agreed charges.
 
2. You will also be covered for hospital accommodation costs when you are admitted to a private or shared room (subject to bed availability) as a private patient in a recognised public hospital.

Application Methods: Online, Tel, Branch, Post
Underwriter: Ask on application
Pay Monthly: Yes

Suitable:
Singles, single parents, couples and families.
Restrictions:
Benefits may not be paid or may be paid at a lower level where you have already claimed the maximum allowable benefits during a specified period.
Availability:
Singles, single parents, couples and families.
Discounts:
Save 2% by having your premiums deducted directly from a savings or cheque account from either a bank, credit union or building society account. Please note that renewal and reminder notices are not sent if you pay by automatic direct debit.

HEALTH INSURANCE
Health Type:
Health Info:
Ambulance Cover: Yes
Hospital Cover: No
        

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