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GMHBA is a private health insurer that operates as an open health fund.
Background
GMHBA was established in Geelong in 1934 when a group of workers from the Australian Cement Company set up the Cement Workers Hospital Benefits Scheme. Their objective was to ensure workers and their families could afford quality health care.
In 1958, it became the Geelong Medical and Hospital Benefits Association. Gradually, it evolved into an ‘open’ scheme and expanded outside Geelong.
It changed its name to GMHBA in 2000.
In 2009, GMBHA set up Frank Health Insurance, which claims to make health insurance clear and simple and keep costs to a minimum.
Today, GMBHA has a network of regional branches providing private health insurance to more than 300,000 members across Australia.
Who can join GMHBA?
Anyone can join GMBHA because it is an open health fund.
For residents of ACT and NSW with Hospital Cover, GMHBA provides emergency Ambulance Cover.
For residents of NT, SA and VIC with Extras Cover, GMHBA will refund up to 100% of the subscription with your state- or territory-based ambulance service.
For residents of WA, GMHBA does not provide cover and recommends you purchase an ambulance subscription.
For residents of QLD and TAS, you are already covered by a state-based scheme.
Does GMHBA offer corporate policies?
Yes. GMHBA provides corporate policies to certain organisations. Search your organisation’s website or intranet to find out whether a corporate health insurance policy is available to you, and what conditions apply.
Does GMHBA have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?
Yes. GMHBA has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:
Location
Number of private Agreement Hospitals
Industry maximum
ACT
5
6
NSW
97
98
NT
2
2
QLD
51
60
SA
20
23
TAS
5
9
VIC
74
76
WA
22
24
GMHBA also hasagreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:
Yes. GMBHA is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance.
Does GMHBA let me claim online or via an app?
Yes. GMHBA allows you to make a claim via its online portal if it is for the full amount.
To claim a partial refund, you need to download a claim form and post it to GMHBA.
You can also swipe your GMHBA membership card when paying the account and your provider usually bills GMHBA directly.
