GMHBA Health Insurance

After the fees on credit cards were abolished on 1 October we changed our monthly payment method from bank eft to credit card. Within 2 days an email from GMHBA advising that because we changed to using a credit card our premium would increase by 2% from the next payment date. If this is the way they do business we'll be looking for another health insurance provider. A miserable, cheap money grab. Not happy. Show details

Absolute nonsense! As if I know what a clearance certificate is? Went to these guys through one of those compare services and the entire family was put on 12 months wait. Now my wife and I can claim but not the kids. Looking to cancel now, you know what? Freedom to just do what we like when we like feels pretty fun. No more trying to wring value out of $1000/year. Bye bye! Show details

TERRIBLE customer support...Closed my account in June 2025, as not competitive, they illegally deducted a $4000 plus premium in July and have failed to refund despite 9 phone calls and 6 emails. Completely useless support and have lied in every phone call and email. I can only be thankful I didn't need to make a claim. Show details

I’m new to private health insurance and gained many quotes before calling GMHBA. Spoke to Harrison M and was very pleasantly surprised about how personable he was, and it was immediately clear that he actually cared about supporting my personal situation. He proactively explained what products / extras I would need, to ensure I had the best cover.… Read more ·  1

This was in stark contrast to all of the other (big name) companies that I received quotes from where I felt like ‘just another number’. Harrison also suggested that I double check exactly what I needed in terms of rehabilitation before taking out cover. I’m very grateful to him for his thoroughness and it’s such a weight off my mind now that I have my cover and extras sorted. The option to cover for different levels of extras cover was an added bonus and in the end was one of the reasons that I went ahead with GMHBA. The other reason I went ahead was how confident Harrison made me feel about the cover he was suggesting. Thank you so much for helping me through a very stressful and complex time!

'Not for Profit', Excellent Service and Partners with Convenient Medical Services – We have been members of GMHBA since we changed from another provider back around 1996. We felt the other company let us down badly and a friend recommended this Geelong based company as an alternative. It was a huge eye-opener back then as GMHBA's personal service was so different from the big company and at the end of each year, we got a cash… Read more

bonus for our good health (non-use of certain categories, rewards for being healthy). We lived overseas for a while, so suspended GMHBA till we returned and they helped us through the entire renewal process with no hassles and a lot of personal phone service. Nice manner from the service chap and it is always like that. Their training must be very diligent. Our only regret is that they don't allow us at our advanced age to opt out of anything to do with childbirth, quitting smoking and other services we don't use. We are very healthy and would love some discounts on decent sneakers, a swimming club for instance, instead of inappropriate options. I like the fact that they don't waste money on branches as everything can be done digitally. Claims are easy, fast and if I have any queries, they are answered very fast with little hanging on a phone line and certainly never any handing off of the call to other workers. Plus the call centres have always been local and let's hope it stays that way as I cannot stand dealing with overseas call centres. While I understand that insurance is a shared liability across many age groups, it would be nice if they introduced an option for mostly healthy oldies, and if they do, I'll give them 5 stars!

Misleading Money Back Guarantee Claims – I never heard of GMHBA before but I wanted to try a not for profit fund. With their 60 day money back guarantee I thought it’s a safe risk to take. After being with them for almost 2 months I kept getting automatic emails asking for documentation that I didn’t need to provide. Emailing them didn’t work so I had to call to fix that. I soon… Read more

realized also that they don’t have a mobile app to allow members to manage their cover. This was very inconvenient. It’s not cheap to be with GMHBA either.

So after 2 months I decided to claim my money back. However what I later found out was that GMHBA gave me a clearance certificate that was back dated 2 months from when I cancelled my membership.

This means I can’t transfer across the 2 months I’ve spent with the fund to my new fund and for me this also meant I was no longer eligible for a lifetime health cover loading of 0%.

I was never told of this policy prior to cancelling and you won’t find it on their website either. Which makes me wonder if they just made this rule up on the spot or deliberately did this so they didn’t have to honor how their money back guaranteed would be perceived by customers.

A essentially because most people would move from one fund to another one, they would in almost all cases want to transfer the time they’ve spent with their old cover to their new provider. But doing this means you have to forfeit the money back guarantee.

The “supervisor” who I escalated to on the phone admitted the company’s mistake in not communicating the rules properly to me but would refuse to waive any fees or even give me a discount. So I essentially had to pay the entire money I received back from the guarantee before they would accurately reflect the period of time I had coverage for on the clearance certificate.

I wanted to review our current private health insurance and was told by a friend to look at GMHBA. Harrison answered my call and after a short time discussing my needs with him I was able to make a decision to move across to GMHBA. His knowledge of policy F and B was great, his advice sound, and his manner relaxed and easy going. Recommended highly Show details

Member since 1962 aged about 21. Never considered changing Your phone response/staff are wonderful - thankyou Show details

We are on Silver Premium Plus, and have been with GMHBA for many years. GMHBA’s extras cover at this cover level is clearly superior to BUPA and most of the other big brands… higher payouts and less tricky sub-limits. My wife and I are over 60 and have unfortunately needed a total of four hip replacements, plus one other major surgery and some… Read more ·  1

critical dental work… all since 2019. GMHBA level of cover was very good, and the hospital claims were all straightforward.

Some people have reported issues with using the GMHBA website. However, I have had no problems submitting online claims e.g. Ambulance cover (Victoria) and other manual claims. I find their online claims history very easy to navigate. And their Fact Sheet and accompanying information is relatively clear.

When I have rarely had to contact phone support, the staff have been knowledgable and able to resolve my issue on the first call. (Unlike Telstra, the banks, Centrelink etc etc).

It is true that health insurance is extremely expensive, and no fund is perfect. But I would rather be with GMHBA than other providers.

I have had several friends and relatives well over 60 that thought they could get away without hospital cover, or cover that did not include “joint replacement”. When their hips went, they all had to hobble around for two years waiting for the public system, or nearly as long to upgrade their level of cover and go private. One could not wait for surgery and had to pay fully for a double hip replacement and was out of pocket by about $40,000.

So many people over 65 now require hip and knee replacements. I recommend that anyone over 60 has hospital cover that includes “joint REPLACEMENT” as a minimum. Extras cover is not critical.

Transferred from BUPA. Despite the clearance certificate being sent, many days have passed without it being added to my policy. We have made payments and are not able to access the services we are paying for. My son is waiting to attend the dentist! Poor responses, I sincerely regret after being with BUPA for over 20 years. Show details

Switched to GMHBA after advice from a comparison service that I have used before.After about 6 weeks I recived an email advising that my prmium was going up a lot because they hadnt received a clearance letter. After many phone calls Compare the… Read more

market advised me that thet had sent everything to GMHBA to arrange the letter. So I had been paying premiums to 2 health funds while this was going on. GMHBA refused to refund my premium as I had made a claim for $20. They got nearly $500 out of me for nothing. I was supposed to get a call from their complaints officer but nothing and its 2 weeks later. Too busy making money. Shame on you GMHBA.

Been with GMHBA for over ten years. The recent move to two-factor authentication would be fine if it actually worked for real households. Instead, GMHBA only allows a single login tied to one email address. So now, because the account is in my name, I’m the default admin for everything. Submitting receipts, checking limits, managing claims… all on… Read more

me. I’m chronically ill and don’t need this. My husband travels for work so it’s often difficult to contact him to get a login code. Why can’t they support multiple logins for a single policy? (Yes, we’ve asked).

Just got off the phone with Tegan who was absolutely fantastic. Wanted to talk to her about my cover and she was so knowledgeable friendly and just made the whole process so easy and nice. Would recommend GMHBA very highly and they have super workers like Tegan. Show details

I've been with GMHBA since I was 30 im now 70. I was having few financial issues and rep from GMHBA said he would suspend the cover for 3 years and I can reboot cover no waiting periods etc. Well the person I spoke to said I couldn't do that and I'd have to start a whole new cover but with waiting periods etc. I don't have any medical issues, it's… Read more

just the public health service in Albury is abysmal and scary. My 90 yo mother had to wait over 3 hours in ED to even see a Dr. She died 6 weeks later of bowel Ca. Therefore im going elsewhere. Im not letting GMHBA push me around. They can get stuffed.

Their coverage is good have competitive prices, they are reasonable, but customer service is pathetic. I forgot the name of the rep who i spoke with, she qas dumb, rude and definitely should be terminated. I asked her a question and she aaid i dont know we are busy. I said you think i m free? Who wasted 1.5 hours on hold just to speak with… Read more

someone. And ahe hung up on me, i canceled my services bcz of her, n not at all returing, no matter what. Just bcz of her 1 star to the company and loss if 18 members. Cheers!!

Do not touch gmhba . I have hours apon hours to try and get hold of the. To no avail . They have turned off the message app . And the complaints department is the same department that you can't get hold of anyone ! I have been with them for many years and will now find someone that can answer a phone . Kylie Show details

Their call wait times are currently horrid. They have turned off their online chat assistant feature. Eventually I got through after 3 failed call attempts waiting for hours on hold. You should all do a policy review. I discovered I was on a grandfathered plan at $2000 pa, but they had a newer plan same inclusions for $1605 pa. They should be… Read more

advising all of their members that have been with them for a longish time about the existence of newer plans at cheaper rates. They may claim it's the customer's responsibility to check - I say no, as a customer centric organisation it's your responsibility to ensure your existing members are getting the best deal. I complained about this and they offered me 6 weeks extra for free. I'd highly recommend everyone ask for the same kind of deal or else threaten to walk!

GMHBA claims a commitment to customer service. I don't think so. Waited 55 minutes on the phone last week and 20 minutes this week and gave up. Tiresome to listen to the continual self promotion. Visited the local shop front , but no wiser as the person was reading from the website. Still unable to clarify a situation which is becoming urgent. Show details

I have not had a problem with GMHBA until recently, when I purchased a blood pressure monitor and made a claim with them on my extras cover, and wow, I sent them the Drs letter to conform I needed one for my high blood pressure and I also sent them the receipt from the chemist I bought it from, but NO the receipt is not good enough, have no idea… Read more

why, the receipt is ok for taxation purposes but not for my claim for my blood pressure monitor, so I am feeling ripped off by them, they have all the proof they need but they just want to make it impossible so they don't have to pay out , so beware of the hoops they make you jump thru when claiming on their extras, I will be cancelling my extras with them Max

After 15 years as a GMHBA member, my experience has deteriorated significantly. I can no longer log into the online portal or app, which means I cannot make claims digitally. Repeated calls to the call center have not resolved the technical issue. I was eventually advised to submit claims via email. The claims sent via email have been ignored.… Read more

Furthermore, I was asked to put sensitive personal information (DOB, address, etc.) in the body of an unsecure email for processing. This contradicts GMHBA’s own advice regarding data security, which seems particularly contradictory given the recent rollout of an authenticator for app security. The inability to securely and reliably process claims, coupled with the lack of resolution from the call center, is unacceptable. I am very unhappy with the current service and will be looking for a new health insurer.

Phoned to make some queries about a PHI package I was looking at. Spoke with Harrison who was able to answer all my questions quickly and easily. Provided additional information that was helpful to know. Ensured the policy I've chosen was best suited to my family. Many thanks Harrison. Show details ·  1

Had been a happy GMHBA Silver plus hospital only policy holder who paid in advance annually. Phoned to add extras and asked if they would waiver waiting periods as per the promotion for new members who take out the same policy as acknowledgment of our ongoing patronage. This was denied, the person I spoke to also refused to take it to her manager… Read more

for review. As a result we have moved to another health fund who were able to provide the same policy cheaper and waiver all waiting periods. GMHBA puts a lot of effort into new customers but little care or acknowledgement to those that try to remain loyal.

Staff are rude to talk to on the phone. The don't return emails and requests. They don't pay out claims, I have been trying to get my ambulance ride claimed since February and it is now July, in the end I paid for it and now I am out of pocket $800. They don't reply to my claims and when they do it is not helpful and they make you jump through… Read more

hoops and I dont even understand what they want me to do. SPELL IT OUT, why make it so hard with copy and paste mumbo jumbo? As for my travel and motel expenses I am entitled too, sent them all the relevant information and still have not received my refund. So now I have moved on to another healthcare fund that not only offers more but makes claiming so much easier and covers the GAP.

I have just recently changed from GMHBA to ahm after 10 years ( too long) and have been offered a much better deal, paying less and better refunds for extras. They refunded the portion of my premium and just credited my bank without any explanation of the number of days credited. Not happy with their service. Show details