Health Insurance

Health insurance is important to many people and here at Which Way To Pay we know how important it is to compare policies. Health insurance provides that bit extra that might be lacking from the regular Medicare service. For example, getting private health insurance can mean that you are exempt from paying the Medicare Levy Surcharge. You might also be interested in knowing that if you want less waiting around and quicker access to medical help, a private health insurance policy can take care of this. Using the comprehensive table below, compare the options available for the Health Insurance area. You'll see various columns for aspects of different health insurance policies like what is actually covered with each policy and how much it costs. Once you have found the right company that provides the health insurance that best suits you, click on 'Apply' to be taken through the next steps. Please read the terms and conditions of any insurance policy carefully.

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COMPANYPOLICY

POLICY

Health insurance policy

COST

COST

Cost of policy

DEDUCTABLE

DEDUCTABLE

What is deductable from policy

COVER

COVER

Details of cover available

UNDERWRITER

UNDERWRITER

Insurance underwriter

METHODS

METHODS

Method of application

HEALTH INFO

HEALTH INFO

Health information

PAY MONTHLY

PAY MONTHLY

Monthly payments acceptable

HOSPITAL

HOSPITAL

Hospital cover included

AMBULANCE

AMBULANCE

Ambulance cover included

RESTRICTIONS

RESTRICTIONS

Restrictions for applicants

MORE INFO

GMBHA Health Insurance

Health InsuranceFrom $39.35$0 - $500Type

Cover Type

Hospital/Extras/Combined


Level

Cover Level

Bronze/Silver/Gold


Detail

Cover Detail

1. HOSPITAL COVER: Bronze/Silver/Silver Hospital Single Parents/Gold Hospital/Silver Plus/Gold Plus.
2. EXTRAS COVER: Bronze extras/Silver Extras/Standard Extra Plus/Special Care Extra Plus/ Gold Extras/ Platinum Extras
3. COMBINED: Bronze Young Singles Package/ Silver Young Singles Package/ Silver Evertday Package.

GMBHAOnline, Tel, Branch, PostN/AYesYesNoRestrictions

Restrictions

A waiting period is the time between when you join GMHBA and when you can start claiming. Waiting periods exist to protect members’ funds from those who wait until they are sick and then join a health fund just to claim large sums immediately. Waiting periods apply to:
 
1. New members to health insurance (members who have never held hospital or extras cover with a health fund).
2. Existing GMHBA members who upgrade to a higher level of cover or reduce their excess payable.
3. Members who transfer from another health fund who have not fully served the required waiting period for equivalent benefits.
4. Treatment for a pre-existing condition.

Apply for GMBHA Health Insurance
Pick between an all encompassing health insurance service which means you can either get Hospital, Extra or Combined Cover. Each policy comes in Bronze, Silver and Gold levels so you only pay for what you need/your budget allows. Fill out the online form in just a few hours. This will help you work out the best package for you. Please make sure that you read all of their terms and conditions in detail before you apply so that you thoroughly understand what you are purchasing. If you have any questions contact their customer support team. DETAIL INFORMATION >>Services

Services

1. Join today, claim tomorrow.


Advantages

Advantages

1.Your health is one of the most important things so go private and maximise your treatments and service.
2. Get money back from medical procedures.
3. Pay less after you turn 31.
4. If you take out Combined Cover you are eligable for GMHBAs loyalty programme, Connect Rewards Plus.
5. Choose between Hospital, Extras or Combined Cover in Bronze, Silver or Gold levels.
6. Save on tax by getting eligable hospital cover.
7. Pay 30% to 40% less on your premiums with the Private Health Members’ Rebate.
8. All inclusive cover.
9. Apply online in just a few minutes.


Disadvantages

Disadvantages

1. Only available to Australians who have an Australian address.
2. There are waiting periods e.g maternity can be up to 12 months. Check 'waiting periods' on website for full details.
3. Excess is age dependent (30%-40%) Goes up with age.

If you wish to speak to someone: Contact Us

Compare Health Insurance

Prepare for the unexpected with a great Health Insurance policy.

Why take out Health Insurance when there is free health care?

In Australia you are lucky to have free healthcare. While this service can be sufficient many people are looking to private healthcare.

Being in good health is something that should never be taken for granted and health insurance can help you get on the road to recovery faster. Health insurance gives you the peace of mind that should something happen you can be treated fast.

What are the benefits of Health Insurance?

The main benefit is that you will be treated quicker than you would through Medicare. You will not have to wait weeks for an appointment or months for operations and treatment.

With private healthcare you will be given more control and more choice when it comes to the treatment you are given. You can often decide where and when you are treated and in some instances which consultant or surgeon you want to treat you. You will be able to choose when you want appointments and treatment which is particularly useful is you are trying to schedule these in around other commitments such as work.

Another advantage is that you will see a higher standard of facilities. If you need to stay in hospitals you are likely to have private rooms with an en suite bathroom. In general you will find that private healthcare comes with extra support and advice that you wouldn’t have otherwise and you will be seen by the same consultants and doctors throughout your treatment.

As well as an overall better healthcare experience you will be given faster access to new treatments and technologies.

Choosing a Health Insurance policy

Private medical insurance policies vary in the level of cover provided. In an ideal world, your private medical insurance would cover every condition, consultant and hospital for the full duration of your treatment and aftercare, but this level of cover can be prohibitively expensive. Make sure you choose a policy that is tailor made to suit you and your pocket. There are a range of insurance plans for every budget.

You need to make sure that should you need private healthcare that you have the right level of cover in place. The main aim is to reduce your premiums without compromising your medical cover. The cheapest policy isn’t necessarily the best as it will offer you the least amount of cover.

Use the table above to compare different health insurance policies. Make sure you read the terms and conditions thoroughly before applying.

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