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GMF Health is now part of HBF Health Insurance. Browse cover options. Existing members, recent changes explained.

GMF Health Products

Find the cover that's right for you

While you can no longer take out a health cover policy with GMF, we’ve matched all of our products to the best HBF equivalent. Take a look at all your options and choose a product that covers you for services that you're most likely to use.

GMF Product Holders, find out about your existing cover

Hospital cover

You never know when you might need to go into hospital. Depending on what life stage you're at and what your health needs are, we have the right level of hospital cover for you. If you were looking for GMF hospital cover, we have recommended a suitable HBF equivalent.

GMF Lite Hospital

A basic hospital cover that will cover most unexpected trips to hospital, as well as a shared room.

HBF Young Saver Hospital

Low cost hospital cover for everybody. Covers more than 5,000 common hospital treatments and shared room accommodation. You'll be able to choose your own doctor, avoid public waiting lists and may avoid the Medicare Levy Surcharge. Ideal if you want the benefits of hospital insurance, but only need basic cover.

GMF Mid Hospital

Great value cover for a wide range of common hospital services that includes cover for maternity and heart procedures. Plus, you'll be fully covered for a private room. 

HBF Mid Hospital

Great value hospital cover with heart and private room cover. You'll avoid public hospital waiting lists and be covered for over 5,000 hospital treatments, plus heart procedures, psychiatric and podiatric surgery. If you're looking for cover with maternity - HBF has other extensive cover options to suit you. Click below for more options.

GMF Complete Hospital

A comprehensive hospital option that covers hospital services like joint replacement, gastric banding, dialysis and a private room.

HBF Top Hospital

Comprehensive hospital cover for complete peace of mind. Covers almost all hospital procedures and treatments including joint replacements, heart procedures, maternity & IVF. Ideal if you're looking for the best hospital cover and complete peace of mind.

Hospital without maternity

GMF Mid No Maternity Cover

A mid-range hospital option that covers hospital services that are important, including heart, theatre fees and cover for a private room - but not maternity or assisted reproductive services.

HBF Mid Hospital

Great value hospital cover with heart and private room cover. You'll avoid public hospital waiting lists and be covered for over 5,000 hospital treatments, plus heart procedures, psychiatric and podiatric surgery. Perfect if you want quality hospital cover but don't want to pay for services you may not currently need - like maternity & IVF.

GMF Complete No Maternity

A comprehensive cover option that includes a full range of services, including joint replacements, gastric banding and dialysis – but no maternity and assisted reproductive services.

HBF Top Hospital

Comprehensive hospital cover for complete peace of mind. Covers almost all hospital procedures and treatments including joint replacements, heart procedures, but does include maternity & IVF. Ideal if you’re looking for the best hospital cover and complete peace of mind. 

Combine your hospital and extras

Choose which everyday healthcare services you want to be covered for, whether it's a dental check-up, an appointment with your chiro, or getting a new pair of glasses. You can add extras onto your hospital cover, or you can get it as a standalone product. See the best HBF equivalent to the GMF extras cover options.

Extras cover

Choose which everyday healthcare services you want to be covered for, whether it's a dental check-up, an appointment with your chiro, or getting a new pair of glasses. You can add extras onto your hospital cover, or you can get it as a standalone product.

GMF Lite Extras

Covers nine of the the most common health services, so you can claim on things like general dental, chiro, physio and optical.

HBF Saver Flexi Extras

Low cost Extras cover for everyone. You get 4 services to fit your lifestyle, and choose your level of cover. Plus if you join now, you can claim straight away - 2 month waiting periods are waived.

GMF Mid Extras

Great value cover for a useful selection of services, like dental, physio, optical and preventative services such as massage therapy.

HBF Flexi Extras

Australia's most flexible Extras product! The award winning product offers great value Extras cover for everyone. You get to choose 10 services from 19 options - and the option to swap services in and out when your needs change at any time. Only pay for what you need.

GMF Complete Extras

A comprehensive Extras option that covers all the essentials with a selection of services, everything from optical, dental, nutrition advice to Pilates.

HBF Flexi Extras Mid

Australia's most flexible product with higher benefits - so you get more back when you claim. Choose 10 services from 19 options, so you can tailor your cover to suit your needs. Needs change? No worries - you can swap services in and out at any time.

If you're visiting Australia

If you're looking for visa compliant private hospital cover, HBF have a range of affordable cover options to suit your working visa requirements while working in Australia.