Family Choice

If you’re part of a growing family who might need access to a range of services, Family Choice is the perfect way to combine both Hospital and Necessities health insurance.

It’s a great value option that will give you peace of mind as well as many useful benefits, including maternity cover.

Family Choice Hospital

You can receive benefits for most hospital services including maternity, with a few exclusions for services that you are less likely to need – which helps to keep your premium down.

Family Choice cover has an excess of $150 per person, per year. This means you pay a lower health insurance premium, but you’ll pay an excess of $150 per person for any overnight hospital stays within each calendar year.

There is a maximum of $300 each year, so after two overnight hospital stays you won’t have to pay the excess again for that year. And of course, if you don’t have an overnight hospital stay you don’t have to pay the excess at all.

Family Choice doesn’t cover joint replacement and only pays limited benefits for psychiatric care, cosmetic surgery (with MBS item number only), assisted reproductive services and major eye surgery. This also helps to keep your health insurance premiums low.

With Family Choice, you’ll be covered for most unexpected trips to hospital.

Cosmetic surgery and other treatment without an MBS item number

Procedures that do not attract a Medicare benefit only receive accommodation benefits which are equivalent to the cost of a shared room in a public hospital. No other benefits are payable. No benefit is payable for Bronze Hospital members.

How do I find out if I am covered for the medical gap?

We can tell you if your referred Medical Practitioner is fully covered by GMF Health. Simply call us on 1300 653 099 BEFORE you arrange a hospital stay.

Family Choice Necessities

With Family Choice Necessities you can receive cover for twelve common services that aren’t covered by Medicare. The services covered include:

Please note that benefit limits and annual maximums apply to these services – you can read full details in our Membership Guide.

Some of these services also have specific conditions that apply before benefits can be paid, so please read the Membership Guide before you decide to take out cover.

Find out about our health insurance waiting periods.

For full details about Family Choice, please read our Membership Guide.

Your Documentation

Your insurance Policy Certificate is an important document, please read it carefully and contact us if you require any further information. Please keep your Policy Certificate in a safe place for future reference.