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Health insurance that's made for you

No matter who you are, how old you may be, or if you’re single, married or retired, we've got you covered.

Hospital Cover for Everyone

Our great value options will cover you at any hospital you choose, ambulance trips and more.
Lite Hospital
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Our low cost hospital option covers you for most unexpected trips to hospital, as well as a shared room. Only pay for services you need.

Ambulance
Hospital Accommodation
Medical Gap Cover
Theatre Fees
Broader Health
Psychiatric Care
Plastic & Reconstructive
Rehabilitation
Mid Hospital
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Great value cover for a wide range of common hospital services that includes maternity cover. Plus, you're fully covered for a private room.

Lite Hospital
Maternity & Birth (Optional)
Assisted Reproductive (Optional)
Heart Procedures
Complete Hospital
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Our most comprehensive hospital option covers most hospital services, like joint replacement, gastric banding, dialysis and a private room.

Mid Hospital
Dialysis
Gastric & Obesity
Major Eye Surgery
Joint Replacement
*Prices are for {{type}} in {{state}} with {{rebate}} Australian Government Rebate and {{lhc}}% Lifetime Health Cover Loading and ${{excess}} excess applied. Rebate levels vary from 0% to 37.094%, which you can change when you get a quote. Minimum payment frequency is fortnightly.

Why do you need Private Hospital Cover

Find out why Hospital insurance is something that you should have.
Hospital Cover
https://www.gmfhealth.com.au/health-insurance-explained

No public waiting list

With private hospital insurance, you won't have to be in the massive public queue waiting to get medical attention.
no public waiting list
https://www.gmfhealth.com.au/health-insurance-explained

You get to choose your own doctor and hospital

You might have a specialist or hospital that you would prefer to go to. Private Hospital insurance lets you choose.
choose your own doctor and hospital
https://www.gmfhealth.com.au/health-insurance-explained

Covers out-of-pocket hospital costs with Medical Gap Cover

When you see a doctor for a hospital treatment, it's up to them how much they charge you. If they charge more than what Medicare covers, you'll have to pay an out-of-pocket Medical Gap. Private hospital insurance will help cover this additional cost.
Get money back with private hospital insurance
https://www.gmfhealth.com.au/health-insurance-explained

Save on tax

You don’t have to pay a Medicare Levy Surcharge at tax time if you have private Hospital cover.
save on tax
https://www.gmfhealth.com.au/health-insurance-explained

See the value for yourself with our Extras Cover

Get covered for everyday things like dental check-ups, glasses and chiro.
Lite Extras
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Our low cost Extras option covers you for nine of our most common health services, so you can claim on things like general dental, chiro and optical.

Optical
General Dental
Chiropractic
Physiotherapy
Osteopathy
Ambulance
Natural Therapy
Pharmacy
Podiatry
Mid Extras
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Great value cover for a useful selection of more than 20 Extras, like dental, physio and preventative services such as massage therapy.

Lite Extras
Major Dental
Antenatal
Dietetics
Clinical Psychology
Occupational Therapy
Accommodation
Travel
Health Appliances
Speech & Eye Therapy
Audiology
Hearing Aids
Home Nursing
Hospital Boarders
Complete Extras
from $ {{defaultDollar}} .{{defaultCents}} * / {{frequencies[frequency].label}}
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Our most comprehensive Extras option covers you for all the essentials with a selection of 25 services, everything from optical, nutrition advice, to pilates.

Mid Extras
Exercise Physiology
Nutritionist
Natural Therapies Extra
*Prices are for {{type}} in {{state}} with {{rebate}} Australian Government Rebate. Rebate levels vary from 0% to 37.094%, which you can change when you get a quote. Minimum payment frequency is fortnightly.

What's Extras Cover?

Extras Cover allows you to claim on things like glasses, trips to the dentist and chiro.
Extras Cover
https://www.gmfhealth.com.au/health-cover/extras/lite

Need a new pair of glasses?

We’ll cover them. And, if you’re looking to get to contacts instead, we’ll cover those too!
Optical cover
https://www.gmfhealth.com.au/health-insurance-explained

Get covered for out of hospital services like Chiro and Physio

Do you have pain from a past sport or work injury and would like to see a specialist? We’ll cover part of the cost.
Physio and Chiro cover
https://www.gmfhealth.com.au/health-insurance-explained

Need to schedule a trip to the dentist?

Extras Cover will cover part of the cost for services from a simple scale and clean, to a root canal treatment.
Dental Cover
https://www.gmfhealth.com.au/health-insurance-explained