Hospital Cover

Hospital Cover

At GMF we're all about keeping things simple, so we've taken the confusion out of hospital cover. Our straightforward options cover you for a whole range of things, including theatre fees, inpatient treatments and a shared or private room. We've even won a CANSTAR award for outstanding value. We've created three levels of hospital cover so you can choose the one that's right for you.

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
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What is excess?

Selecting an excess means you pay less for your Hospital Cover. Excess is an upfront amount you pay towards your hospital stay, or day surgery on admission. It applies to each person on your policy.
Excess is only payable when you or someone on your policy goes to hospital
Excess is capped at $500 per person ($1,000 per family) each membership year and is only payable when you, or someone on your policy goes to hospital.
https://www.gmfhealth.com.au/%23

Need something Extra?

Want a few extra benefits? Our Extras cover is affordable and easy to add on to your hospital cover. For just a few dollars a week, you can be covered for handy benefits like dental, optical and chiro.

Just the Essentials
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Balanced option
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Peace of Mind
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Create your own
The basic cover you need

Covers the all the basic services you’ll actually use, like a scale and clean at the dentist and a new pair of glasses. Plus, you’ll be covered for a range of hospital treatments like an emergency appendectomy.

Our Lite Extras & Lite Hospital package will let you claim on all these services, and more.

Lite Hospital Cover Benefits
Ambulance
Hospital Accommodation
Medical Gap Cover
Theatre Fees
Broader Health
Psychiatric Care
Plastic & Reconstructive
Rehabilitation
+
Lite Extras Cover Benefits
Optical
General Dental
Chiropractic
Physiotherapy
Osteopathy
Ambulance
Natural Therapy
Pharmacy
Podiatry
Our most popular package

Cover that ticks off the important things you might need without blowing your budget. With our Mid Extras and Mid Hospital package you can get money back on orthodontics or a trip to the physio. Plus, you can choose to be covered for maternity and assisted reproductive services.

Mid Hospital Cover Benefits
Ambulance
Hospital Accommodation
Medical Gap Cover
Theatre Fees
Broader Health
Psychiatric Care
Plastic & Reconstructive
Rehabilitation
Maternity & Birth (Optional)
Assisted Reproductive (Optional)
Heart Procedures
+
Mid Extras Cover Benefits
Optical
General Dental
Chiropractic
Physiotherapy
Osteopathy
Ambulance
Natural Therapy
Pharmacy
Podiatry
Major Dental
Antenatal
Dietetics
Clinical Psychology
Occupational Therapy
Accommodation
Travel
Health Appliances
Speech & Eye Therapy
Audiology
Hearing Aids
Home Nursing
Hospital Boarders
Cover for pretty much everything

With our Complete Hospital and Complete Extras package, you’ll be covered for most hospital treatments, including joint replacements and dialysis. Plus, you can claim on heaps of Extras, including everything from new glasses to yoga classes.

Complete Hospital Cover Benefits
Ambulance
Hospital Accommodation
Medical Gap Cover
Theatre Fees
Broader Health
Psychiatric Care
Plastic & Reconstructive
Rehabilitation
Maternity & Birth (Optional)
Assisted Reproductive (Optional)
Heart Procedures
Dialysis
Gastric & Obesity
Major Eye Surgery
Joint Replacement
+
Complete Extras Cover Benefits
Optical
General Dental
Chiropractic
Physiotherapy
Osteopathy
Ambulance
Natural Therapy
Pharmacy
Podiatry
Major Dental
Antenatal
Dietetics
Clinical Psychology
Occupational Therapy
Accommodation
Travel
Health Appliances
Speech & Eye Therapy
Audiology
Hearing Aids
Home Nursing
Hospital Boarders
Exercise Physiology
Nutritionist
Natural Therapies Extra
Create Your Own Package

Prefer to create your own combination of Hospital and Extras package? You can tailor the options to suit your needs. Pick which type of cover you would like to begin with and build your quote from there.

I want to start with
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